U.S. BANCORP

2019-10-04

Lenexa, KS

Problem caused by your funds being low

Checking or savings account: Checking account

Overdrafts and overdraft fees
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

2019-10-04

Portland, OR

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

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

Their investigation did not fix an error on your report
Complaint: My Elan Financial Services ( credit card ) account was charged off years ago before I understood credit. I contacted Elan Financial recently and created new payment arrangements I think back in XX/XX/2019. I have not been late on any payments since then. Despite my on time payments from XX/XX/XXXX to present, the credit bureaus continue to report the payments as late.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

W Bloomfield, MI

Incorrect information on your report

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

Account information 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

2019-10-04

CO

Problem with the payoff process at the end of the loan

Payday loan, title loan, or personal loan: Personal line of credit

Complaint: I have been a US Bank customer since XX/XX/XXXX In XX/XX/XXXX I opened an individual checking account with a reserve line attached to that checking account. My daughter XXXX XXXX XXXX was XXXX years old at that time. In XX/XX/XXXX I requested a check debit card for my daughter in order to provide access to an ATM for emergent withdrawals from MY checking account while she was away attending college. XXXX XXXX XXXX was never added as a signer or guarantor on the account, she did not have access to online banking, she did not make any deposits or payments to the checking or reserve accounts. She was an XXXX year old college student. She did not have any credit history. For over 4 weeks I have been attempting to remove XXXX from my account. After 3 visits and 4 hours, and sending my daughter to a California branch for 2 hours, XXXX XXXX, Branch Mgr at XXXX XXXX Branch told me his title was just a title and he couldnt help. On XX/XX/XXXX, I contacted the Main Branch. There was no answer all day. I contacted the toll-free customer service number. They tried to transfer me to the Main Branch. They were not able to reach anyone or even a voicemail, all day. On XX/XX/XXXX, I called the Main Branch. XXXX explained, there were a lot of people on vacation the previous day and they were busy helping other customers and therefore could not answer the phone. On XX/XX/XXXX, XXXX XXXX called. On XX/XX/XXXX, after 10 calls since XX/XX/XXXX, XXXX stated shes new in her position and doing the best she can but cant help. She stated all records are destroyed after 7 years. If that is the case then US Bank would not have proof that I am obligated to repay my loan on my reserve account. I requested a copy of the agreement and our signatures showing XXXX agreed to be a responsible party for my debt. The only document I have received is a pamphlet titled, Your Deposit Account dated XX/XX/XXXX. I am requesting copies of MY agreement and to have my daughter removed from MY obligation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Kalamazoo, MI

Trouble during payment process

Mortgage: FHA 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

2019-10-04

Lenexa, KS

Managing an account

Checking or savings account: Checking account

Fee problem
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

2019-10-04

Minneapolis, MN

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-04

Dallas, TX

Closing your account

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

Company closed your account
Complaint: This is a complaint for actions in violation of FTC Section 5, specifically as it related to unfair or deceptive acts or practices in or affecting commerce. '' It further violates The Dodd-Frank Wall Street Reform and Consumer Protection Act with " abusive '' acts designed to takes unreasonable advantage of the consumers inability to protect his or her own interests when selecting or using a financial product or service. US Bank closed my account ( ending in XXXX ) for their stated reason of believing that I fell victim to a credit card scam. After a phone call to them to inform them that that was assuredly not the case, they seemingly weren't interested that I wasn't actually the victim of a scam and kept the account closed. It is therefore my belief that US Bank closed my account for some other stated reason that had nothing to do with the safety of my account - the information they provided me was misleading. In addition to the closing of the account in concern ( ending in XXXX ), they also closed my account ending in XXXX. While US Bank has the prerogative to close my account, in the process of closing the account, they refused to return the {$400.00} annual fee on account ending in XXXX ( which had been paid just 60 days previous ), the {$49.00} annual fee on the account ending in XXXX, and confiscated more than {$2000.00} in reward points across both accounts. They do not own the prerogative to confiscate money paid to them for services not rendered, nor do they own the prerogative to confiscate promised rewards which were obtained at cost to the consumer and which profited the bank. It's evident that US Bank baited me with a premium product and then inexplicably closed my account, taking my money and points without recourse or compensation. They were the beneficiaries of having an additional cardholder, receiving money in the form of an annual fee, credit card processing fees, and confiscation of rewards, while not providing any of the benefits promised to me. At best this is a case of mistaken conclusions, handled poorly by a lending analyst. At worst, this is a case of blatant disregard of the laws contained in the Federal Trade Commission Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-04

Alderton, WA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
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

2019-10-04

Alorton, IL

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Aloha, OR

Managing an account

Checking or savings account: Checking account

Problem making or receiving payments
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Moultrie, GA

Improper use of your report

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

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

2019-10-03

W Des Moines, IA

Threatened to contact someone or share information improperly

Debt collection: Credit card debt

Talked to a third-party about your debt
Complaint: The US Bank XXXX XXXX that I have has a vary large balance and is very unwilling to waive late charges and discuss about what a fee of other debits mean on the statement/account. The representative didnt know what those were. Also they denied me to waive the late charge but also failed to offer to waive interest accruing on the account. Also the interest rate is too high. My previous past employer XXXX XXXX has tapped into my personal debt to income ratio and was discussing to my employers to terminate me at the XXXX & XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Portland, OR

Managing an account

Checking or savings account: Checking account

Fee 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

2019-10-03

Willard, MO

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-10-03

Columbia, SC

Fees or interest

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

Problem with fees
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

2019-10-03

Clarksville, TN

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-10-03

Briones, CA

Problem caused by your funds being low

Checking or savings account: Checking account

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

Timely Response

2019-10-03

Chicago, IL

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: US Bank fails to accurately calculate my escrow used to pay my tax bill. I also sent them my correction letter of Taxes from XXXX county to show my taxes reduced from {$7500.00} to {$6800.00}. The website after 30 days finally reflected my current year taxes to the correct amount. however, I checked again and now its back to {$750000.00}. I am constantly being overcharge for my escrow as they originally assessment my taxes at {$12000.00}!! Much higher then it actually is. They overcharge me monthly for my escrow, then issue me a refund for a portion of it. Then once again, they increase my escrow and call it ( escrow makeup ) after they just issued me a refund. This has been going on for over a year and I have constant conversations and secure emails with the team with no resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Maiden Rock, WI

Problem with a purchase shown on your statement

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

Card was charged for something you did not purchase with the card
Complaint: On my Visa statement ending XX/XX/2019 through US Bank there were several fraudulent charges. I contacted the bank and they reversed all of the charges except one. That being transaction reference number XXXX on XX/XX/2019 in the amount of {$1000.00} for a round trip flight to XXXX from New York. I did not fly to XXXX or any where and can not leave the country as I do not have a valid passport. Further attempts to get this charge reversed have been ignored.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Scottsdale, AZ

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Tried to get a home mortgage through XXXX XXXX XXXX. Got approved for the first loan and was denied the second loan for {$97000.00} from a lender in NY. Spoke with representative at US Bank he told me that he could get the deal done for me and started working on the loan XX/XX/XXXX. He said we would close on XX/XX/XXXX. XX/XX/XXXX : not closed yet and said we would definitely have it closed this day. I told him that I was going out of town to Idaho on the XXXX. He said we would have it closed by the XXXX. XX/XX/XXXX : called me almost every day on my father 's day vacation with my dad XX/XX/XXXX : text message from employee and I quote " How lucky are you feeling : ) '' " We have your deal worked out. '' My reply : " Cool. Any idea how long it will take to get paper work to title? '' Because of his text I released the {$4000.00} earnest money to the seller He did not respond to my text. My follow up to him " tried to call his assistant, sent to voicemail. Call me or text me if you can. '' XX/XX/XXXX : Me " what's the word? '' Him : no response, no response to my email or phone call either. XX/XX/XXXX : I text him and said " I need your managers contact information please, Thanks. '' All he replied was her name and phone number. I spoke with her and she told me that she doesn't know why he would say the things he did because there was no way that I would be approved for the loan due to debt to income ratio. I told her I should be compensated for moving 4 times due to his promises and reimbursed the earnest money. She said no. Total I feel should be paid to me by him or US Bank {$4000.00} earnest money {$690.00} for the movers out of the original apartment end of XX/XX/XXXX and into storage unit {$1100.00} for XX/XX/XXXX-XX/XX/XXXX using demo apartment because no others were available {$1200.00} for the new apartment while waiting for approval XX/XX/XXXX-XX/XX/XXXX {$700.00} for having to move again into a demo apartment XX/XX/XXXX-XX/XX/XXXX {$110.00} for extra storage unit x2 months {$230.00} Total {$7900.00} Not only was I constantly lied to, but my pregnant wife and I were taking his word, which ultimately was a lie and cost us not only money but time and stress and ultimately a miscarriage No action was taken by the company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Dardenne, MO

Trouble during payment process

Mortgage: FHA 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

2019-10-03

Flushing, NY

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

2019-10-03

Foothill Ranch, CA

Applying for a mortgage

Mortgage: Other type of mortgage

Complaint: I was about to make an offer on a HUD-approved manufactured home in a land-owned community and applied for this loan with USBank because they are listed as a participating lender for a grant program, which I needed. I was approved and was in underwriting and in escrow on the first home. However, the home did not pass inspection, so I immediately canceled escrow and notified USBank about this and informed them that I was interested in another manufactured home just a few lots up in the same community. USBank drew up another application for the second home and everything was in progress, I received more " congratulations, your loan has been approved '' type phone calls, as with the first loan. I was in escrow on the second home and in the middle of underwriting, once again. I received inquiries from USBank via their secure portal, which is extremely difficult to access and use, but did my best to immediately provide what was required. The loan officer 's assistant emailed me a list of items to produce and I was ready to upload everything to the secure site, but there was no way of uploading my documents upon logging in as the site indicated the loan officer will be in contact with me. Meanwhile, the day after we had completed inspection on the property, I received a shocking phone call from the loan officer that USBank has suddenly decided to no longer finance manufactured homes! There was nothing he nor I could do, but turn to another lender. I was packing to leave town for my aunt 's memorial, but yet had to scramble until midnight to find another lender to replicate the USBank loan as escrow is due to close in less than three weeks! I have now hurt my credit score with more hard inquiries to apply with other lenders. Moreover, I will likely lose this home and fall out of escrow if I can not find a lender to offer me a loan similar to USBank 's within three weeks which I can afford and which includes the grant I really need. It is so unacceptable for a reputable bank to do this at the eleventh hour! They should have at least honored my application to closing and not cut me off in the midst of underwriting! Moreover, I was told if I opened a USBank account, I'd get 1 % back at closing, so I went through the hassle of closing out my XXXX XXXX account to switch to USBank. I spent an entire weekend updating my bills, making arrangements for payroll direct deposit to USBank, go through the hassle of rushing to the bank after work to cash my payroll check prior to the new direct deposit coming into play in two weeks, etc. The numerous effort and time I've wasted and all the trouble I'm going through is beyond words. For USBank to suddenly drop me the way they did without any notice or written notification other than an apologetic phone call from they loan officer is just unacceptable. A major bank such as USBank to do this to an individual is outright cruel and unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-10-03

Tarzana, CA

Managing the loan or lease

Vehicle loan or lease: Loan

Problem with additional products or services purchased with the loan
Complaint: I purchased a New XXXX XXXX XXXX, Truck in XX/XX/2019. I have a 5 year loan with US Bank. I purchased the vehicle in the state of XXXX, and planned to register the vehicle is XXXX which is where I resided at the time. However shortly after purchasing the vehicle I decided to move to XXXX. But I didn't register the vehicle in XXXX since I moved to XXXX shortly after. I've attempted to register the vehicle at the XXXX DMV, however I'm not able to because XXXX DMV is asking for a copy of the title from US BANK in order for me to register the vehicle. I've called US BANK for over 3 months asking them to send COPY of title to XXXX DMV so I can register my vehicle. I'm told to have the XXXX DMV fax over the request for title, and that has been done 4 times already. When I call US BANK to check the status I'm told they put in a request to get the title from XXXX DMV and they will forward it to XXXX DMV however that still has not been done. I called US BANK again on XX/XX/2019 and spoke with an agent and I'm told they don't see anything and they don't know what I'm referring to. I'm told they don't have the title to my vehicle, and they don't know how to fix my situation. Because of this I have been unable to register my vehicle which is increasing my chances on receiving traffic citations. The temporary registration to my vehicle expired XX/XX/2019.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response