U.S. BANCORP

2019-10-23

Altadena, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Saint Clair Shores, MI

Getting a credit card

Credit card or prepaid card: General-purpose credit card or charge card

Application denied
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Marina Del Rey, CA

Problem with a credit reporting company's investigation into an existing problem

Credit card or prepaid card: General-purpose credit card or charge card

Problem with personal statement of dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Vista, CA

Managing an account

Checking or savings account: Checking account

Cashing a check
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Warrenton, VA

Trouble during payment process

Mortgage: VA mortgage

Complaint: My mortgage payments are due on or before the XXXX of every month. Each monthly statement says " after the XXXX a late fee may occur '' My monthly amount is {$1800.00} I sent use ACH from 2 different banks to may payments of {$920.00} the Total amount of which is XXXX Both payments processed on the XXXX of the month, please see attached yet US Bank still charged me a late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Rncho Domingz, CA

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: My complaint is against US BANK regarding account # XXXX XXXX XXXX XXXX. Back in on XXXX XXXX I sent to the mentioned company a dispute letter, explaining to US BANK what had happen to me : that I never received my statements from XXXX or XXXX because my mail was stolen, therefore I incur in to 1 late payment on XX/XX/2019. I also filed a police report that I sent to them, with a Federal Trade Commission Report as well. This company not only disregarded my letter but also a police report with an FTC report. This company didnt even mark my account as disputed once they received my dispute notice, they arbitrarily decided to just leave the negative mark on my reports. I know the company has no obligation to remove account but they are in obligation of at least to make an in investigation according to the Fair Credit Reporting Act. In my dispute process the mentioned company incurred into multiple violations plus disregarding the mentioned documents I sent to them. I would not like to take this case to court but if US BANK does not provide a deletion letter for the negative mark ; I will have no other option but to search for justice in court. Im attaching letter I sent to them, the police report and the FTC report, including the proof of fax that they received all of my documents. I have a {$500000.00} loan pending because of this negligence. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

WA

Struggling to pay mortgage

Mortgage: Conventional home mortgage

Complaint: Good Afternoon, My house is in foreclosure proceedings and the foreclosure sale date is set for XX/XX/2019 of this month. I have tried hard to work with my servicer, Us bank, and all my efforts have resulted in vain. I have been asking Us bank and its representatives to provide me with all foreclosure related correspondence in writing via email and they have ignored all my request so far. I have also mentioned to them that i have a XXXX XXXX and hence difficulty in understanding almost all forms of oral communications and also for something to fall back on for legal purposes should the matter go to legal proceedings. My relation manager with Us bank is so keen on pointing out to me that foreclosure sale is only imminent and that I am doomed. So far all the options explored to save my house and to stay in it have been researched by myself independently. I had submitted a mortgage assistance packet back on XX/XX/2019 of this year and it got rejected on the grounds that I do not have enough equity in my house and one or two months prior to myself submitting this packet, I had received a letter from Us bank indicating the appraised value of my house and this appraised value stood at {$560.00} XXXX or very close to this figure. Us bank used XXXX XXXX decision of not having enough equity in my home vs the market value price of my house as a reasoning to disqualify myself for any mortgage assistance help or to stay in my home options. Us bank and its representatives informed myself that it was at XXXX XXXX discretion. I went directly to XXXX XXXX and they informed me that they have no record of Us bank approaching them on this matter and I had also researched that a program called XXXX XXXX streamline flex modification existed but this time and Us bank and its representatives had failed to advise myself of this option. XXXX XXXX assigned a case manager to look in to this matter and this case manager contacted Us bank and they launched an internal investigation in to the matter. I repeatedly asked for updates in to this Investigation i and at same time.reapplied for mortgage assistance and submitted another help packet. Once again. I requested Us bann and its representatives to communicate all correspondence in a writing via email for my records. My request was ignored again and asked to call the 1 -800 mo. For Us bank to get further information or updates for my file and mortgage assistance application. It is interesting to know that communication via email was okay for Us bank previously and all of the sudden I had to depend on oral correspondence for UPDATES on my complaint and my mortgage assistance application. Please note that this went on for few weeks and I have record of all emails sent by myself to Us bank and did not receive any response and the auction date of XX/XX/2019 had been approaching rapidly. I have also had great difficulty in working with my relationsnoo.manager aa she did not understand the concept of myself having a XX/XX/XXXX rand the diffculities or issues I was facing due to oral forms of communications. She also asked, during our last phone call conversation, If I would need a different relationship manager a s my response was, " YES. '' As of today, we are siting on three days to foreclosure auction date and on the notion that a man with XXXX is going to be homeless and nothing is being done ot accomplished in the matter! I am in need of immediate assistance and I am requesting it with both hands and I need your help. Plesse reply back with proper legal guide line or towards a organisation or an individual who can guide or assist myself so I can stay in my home. I have not come this far with a XXXX to loose my home and be on streets to wander around aimlessly! I will keep knocking on doors till my cry for help is answered. I have worked day and night to get this little home of mine and turned my blood in to sweat to be a proud home owner and live the American Dream only to loose it Sinecelry XXXX ( XXXX ) XXXX XX/XX/XXXX XXXX XXXX XXXX -- - In Immediate Need Of Assistance in WA state
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Las Vegas, NV

Attempts to collect debt not owed

Debt collection: Credit card debt

Debt was result of identity theft
Complaint: This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whether it's a charge off? The balance is, in fact, wrong, please make sure to reverse it to XXXX or remove the item fully. Please also produce documentation to verify all the charges and credits in this supposed account that caused the extremely high credit figure you might have displaying on my account. My demand to present this records is a standard information demand in accordance with my rights honored within the fair credit billing act. If you fail to give these details per my civil rights petition, please make sure you quickly remove this specific wrong posting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-22

Brooklyn, NY

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Fdl, WI

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Millbrae, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief

Timely Response

2019-10-21

Chicago, IL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Complaint: I notice that my credit report was ran without my consent on XXXX by ELAN FINANCI twice , XXXX by XXXX XXXX XXXX and XXXX by US BANK. I have been a victim of Identity theft and I been trying to reach out to the creditor to have this inquiry removed along with the other inquiries that were placed on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-21

Foothill Ranch, CA

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I opened a business checking & money market savings account at a U.S. Bank branch in XXXX XXXX, CA onXX/XX/2019 with an advertised promotion for {$400.00}. The terms stated that I must deposit {$5000.00} within 30 days of account opening and that the {$400.00} bonus would be deposited into my account within 45 days of this event. I deposited the {$5000.00} minimum on XX/XX/19. The 45 days would be XX/XX/19 and the deposit still had not been credited to my account. I called the branch and they assured me that I had met the terms and the deposit would by seen in my account the following week. After waiting a week, I did not see any activity, so I called again, and they assured me it would then be credited the following week. Finally, I went into the branch where I opened the accounts on XX/XX/19 and sat with a banker to explain the situation. They said it looks like I met the terms, but it could take another 8 weeks to look into it. It seems they are giving me the run around, and do not plan on following their own terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

E Meadow, NY

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: Reopening Claim : XXXX Initial Complaint : violates visa/us bankfraud protect garunt. not enough characters. Card was open just 3 months before I noticed ~2/3 of all transactions on this card ( via electronic statement access ) were fraudulent. The bank did not contact me in any capacity in just three months of rampant abuse when the card 's numbers were used out of state, internationally, repeatedly for the same charge and multiple charges a day from the same vendor, for mostly XXXX purchases not associated with my identity and out of state and country purchases made concurrent with in person charges i made in california. I can not quantify with any accuracy what % of credit was fraudulent, but with a balance of ~ {$6500.00}, knowing I made a 0 % transfer of $ 3K-5K ALSO ILLEGALLY UNDOCUMENTED BY US BANK, and with nr $ XXXX in fraud, that's over 100 % fraud vs. legit transactions. I repeatedly called the fraud division and corporate offices to ask for full credit card forgiveness and was denied it by the 877 number and not allowed to connect with a corporate office professional at all.Compliant with the XXXX and US Banks 's false/unsubstantiated 24/7 protection compliance in reporting suspicious activity, I am entitled to for full card forgiveness AND DAMAGE, and with each supervisory call and each correction I found more mistakes in having to report that tripled the size of my 3-mo bill -- with more transactions to void than possibly can be validated in frequency and number of occurrences ' ; without a single flag -- in context of my credit cards always getting flagged even when I do give travel notice -- when the card was used internationally despite lists of suspicious XXXX activity, not even a red flag there. I was actually protected from all foreign transxn fees to my knowledge but even so, I received not one call or flag ever from US Bank or Visa. I canceled this fraudulent card and left it open compromising my security. US Bank Response : Re : Consumer Financial Protection Bureau ( Case No. XXXX ) Dear Ms. XXXX : [! I ; jbank. usbank.com U.S. Bank has received your request for assistance from the Consumer Financial Protection Bureau. We appreciate the opportunity to respond to your concerns. In your correspondence you express concerns regarding our effort to protect both our account holders and the bank, we have established fraud detection systems, which monitor authorization requests and transactions for every account. Certain criteria, including current fraud trends, locations of the transactions, the type of transactions, and authorization amounts may flag an account for potential fraud. In the majority of circumstances, this system is effective in preventing fraud. Although no bank error had occurred, we have elected to grant you a {$50.00} cash plus reward bonus to your account. This will be reflected on your next billing statement. Our records reflect that on XX/XX/XXXX, we initiated a fraud claim on transactions totaling {$800.00} made between XX/XX/XXXX and XX/XX/XXXX. On XX/XX/XXXX, we issued provisional credits for the transactions totaling {$800.00} XXXX to your account, credited {$0.00} for the foreign transaction fees and mailed you the enclosed Statement of Fraud letter. Please note that provisional credits are provided with the understanding that if your claims are denied, our credits will be reversed. On XX/XX/XXXX, we added a transaction to your existing fraud claim for {$11.00} with the merchant XXXX XXXX XXXX, we issued provisional credit for the transaction, and mailed you the enclosed Statement of Fraud letter. We also sent you the enclosed letter advising you that we had concluded part of your fraud claim and the provisional credit that was issued totaling {$64.00} is now final. On XX/XX/XXXX, we sent you the enclosed letter informing you that we have concluded another part of your fraud claim and the provisional credit for {$540.00} is now permanent. On XX/XX/XXXX, we initiated a fraud case on transactions totaling {$960.00} plus a credit of {$110.00} for applicable interest and sent you the enclosed letter. On XX/XX/XXXX we sent you the enclosed letter advising that we have also concluded your fraud claim and the provisional credit totaling {$960.00} is now final. On XX/XX/XXXX, we sent the enclosed letter advising you that your remaining fraud case totaling {$210.00} had been resolved and the provisional credit is now final. In your correspondence, you express concerns regarding a balance transfer. Our records indicate that on XX/XX/XXXX, we sent you the enclosed letter advising that the balance transfer that you had requested for {$10000.00} to XXXX was not processed due to Insufficient funds. At that time, you had a credit limit of {$3500.00}. On XX/XX/XXXX, we sent you the Creditor is U.S. Bank National Association, c/o U.S. Bancorp Service Center , Inc., XXXXXX/XX/XXXXXXXX, XXXX, ND XXXX ~ XXXX usbank.com enclosed letter advising that we approved a credit line increase to {$20000.00} that you had requested and but there were no new balance transfer requests. In your correspondence, you also expressed concerns regarding the card not being closed when you called to report fraudulent activity on your account. After reviewing the telephone interaction, we can confirm that, you had asked the supervisor in the Fraud Department not to send you a new card as we could not send you documentation listing out all valid and frauduler transactions, other than a copy of a billing statement. The supervisor did not proceed with sending you a new card. If you would like to close your account, please contact the Customer Service department at the below phone number. Please accept our apologies for any inconvenience this matter may have caused you. If you have further questions concerning your account, please contact our Cardmember Service Department at XXXX ( we accept relay calls ). Sincerely, XXXX U.S. Bank Retail Payment Solutions Office of the President cc : Consumer Financial Protection Bureau Response to US Bank : The bank has not in anyway addressed to two key issues with card ; 1 ) 2/3 of card transactions were fraudulent and US Bank and Visa both provide/advertise the card as having premium security features. 3 months of illegal foreign transactions, out of state transactions, numerous transaction in a row with the same vendor, nothing was ever flagged for my attention as suspicious and I had to dispute and redispute each individual transaction when the Company and its Visa sponsor did nothing to protect my consumer identify and had no security clearly monitoring my card. My other cards wouldn't even work in another country, and sometimes don't when i do authorize. There is no security feature let along a premium as you advertise. 2 ) I absolutely canceled the card due to the security breach. I asked not to send me another card because of the security breach and implied in that is I don't want another card, not keep my account open and not give me my card. You left my account open and exposed to identity theft after all that I had done to close the card and my account. For the failure to have the technology and provide security coverage both US Bank and Visa claimed to have for this highest grade card -- clearly was not there and you left me exposed to more fraud for years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Watkins, CO

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Problem with balance transfer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-21

Clearwater, FL

Problem with customer service

Money transfer, virtual currency, or money service: Check cashing service

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-20

Palos Park, IL

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XXXX i got call from US bank requesting me to visit nearest US Bank branch to update my ID, which i did on XX/XX/XXXX i visit the branch on XXXX XXXX XXXX, XXXX XXXX, IL XXXX, and i did what they asked me to do Later on XX/XX/XXXX i got call from the same number asking me to go again to nearest is branch to answer some question about transactions happen in my account which i did, on XX/XX/XXXX to find out that my account had Hard block on it since XX/XX/XXXX and the manager assistant was not able to remove the hard block on my account stating that they need to check further, the same thing happened on XXXX and the account was hard blocked for more than 22 days and for no known reason which am afraid the same will happen this period no one know why my account is blocked, nor when this account will be unblocked thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Maplecrest, NJ

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account status incorrect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-20

Brockton, MA

Written notification about debt

Debt collection: Credit card debt

Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Hialeah, FL

Improper use of your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Credit inquiries on your report that you don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Stevenson, MD

Fees or interest

Credit card or prepaid card: General-purpose credit card or charge card

Charged too much interest
Complaint: Hello, I had held a XXXX XXXX credit card through US Bank for several years. I responded to a 0 % balance transfer offer on XX/XX/XXXX, at a transfer cost of {$390.00}. When the annual fee hit my account on XX/XX/XXXX I called on XX/XX/XXXX to see if it could be removed. Customer service representative XXXX informed me that I could close the account and the fee would be refunded. I notified her that I had a 0 % interest transfer that I was still paying. She placed me on hold and came back to say that I could continue with the 0 % interest until XXXX even if the account were closed. I asked again and she assured me that I could continue to pay based on the terms of the balance transfer. I checked my account on XX/XX/XXXX and {$230.00} in interest had been charged. I again contacted US Bank. Another CSR said that interest had accrued since the card was closed and that this was US Bank policy. I explained my conversation with XXXX and that the balance transfer offer did not have any such language on it, he put me on hold and came back to say that the interest charges would be reversed, and that he would look into why the annual fee had not been reversed. He cautioned me that he could not continue the 0 % interest until XXXX, in spite of what XXXX had assured me and what was written on the transfer offer. I asked what this meant going forward and he said I would need to pay off the card before the next statement date or I would be charged interest. I specifically asked if I paid off the card by the due date if I would be charged interest and he said if it was paid in full no interest would be charged. I paid off the credit card prior to the due date. I just received a statement and have another interest charge of {$170.00} even though the statement was paid in full. It also does not appear that my account is closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

Lake Placid, FL

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-20

MA

Other features, terms, or problems

Credit card or prepaid card: General-purpose credit card or charge card

Other problem
Complaint: I requested a credit balance check in the month of XXXX. I called US Bank and asked when the check would arrive. I was told, instead, that the bank pushed the payments back to the third-party bill payer, CheckFreeBillPay. I shared my frustration with this action as I would have never requested this option. I called XXXX and they only refunded me four payments totaling, less than {$10000.00}. They gave the reference numbers and I received the return. However, the total return from US Bank was supposed to be {$10000.00}. I called US Bank and my phone call was elevated to a supervisor who created a inquiry about the missing ~ {$700.00} returned payment. A week later I received a letter from the Payment Research Department stating that the refund was completed given a trace number ( XXXX ). I called XXXX and they had no record of such a trace number. I provided them the US Bank altitude card number and saw the refund for the 4 payments that I already received. They clearly stated that there was no other refunded money. They checked the trace number 3 times. I called US Bank again, and again elevated to a supervisor who apologized and elevated the issue. A week later I received another letter from the Payment Research Department, stating the exact same words as the previous letter. XXXX from Payment Research Department said they it was received XXXX to XXXX with the same trace number. Again, XXXX has no idea what this number refers to and I am still waiting on my full refund for over a month. I am very angry at the customer service I have received. Its one thing to receive same exact letter a second time, insinuating that it must be my fault or that US Bank is not at fault at all, its another to place the burden on me to find the money you returned in the way I did not ask. I have found calling a third time to be a waste and rather a letter stating what has happened and my request for US Bank to call XXXX and then call me at XXXX or my husband at XXXX to tell us where the money is at. I do not want another letter. A person should be calling me. I have been patient about this issue but the treatment I have received is one of the worst I have received. I hope this issue is resolved. If not, I will elevate to the consumer financial protection board and pursue other legal remedies.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-19

Oceanside, CA

Problem with a purchase shown on your statement

Credit card or prepaid card: General-purpose credit card or charge card

Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief

Timely Response

2019-10-19

Bellevue, TX

Incorrect information on your report

Credit reporting, credit repair services, or other personal consumer reports: Credit reporting

Account information incorrect
Complaint: I have contacted the mortgage company to inform them of inaccurate reporting of payments and loan balance. I have made several attempts to get the mortgage company to make the correction from XX/XX/XXXX to XX/XX/2019. The mortgage company did confirm payment was paid on time and the correct loan balance, however they will not make the correction with the Credit Reporting Agencies. I disputed the items XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/2019 with credit reporting agencies. The Credit reporting agencies stated that information was verified is accurate will not update the credit report with most accurate information. No supporting evidence of the balance and payment history was provided to support the decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response