U.S. BANCORP

2019-09-30

Galena, OH

Trouble during payment process

Mortgage: FHA mortgage

Complaint: I've tried to work with US Bank Mortgage Company multiple times over multiple years to have the PMI on my mortgage loan removed. Most recently in XXXX of this year. I faxed another letter explaining how I've met the criteria for removal of PMI some years ago. Yet, they keep sending me letters denying that I have met the criteria. Every letter states that the LTV ratio must be 78 % of the original value and you must have good payment history. Both criteria has been met for over 4 years. I've never had a late payment and my LTV ratio is where it should be as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-30

Bluffdale, UT

Problems at the end of the loan or lease

Vehicle loan or lease: Lease

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

Timely Response

2019-09-29

TN

Trouble using the card

Credit card or prepaid card: General-purpose prepaid card

Trouble using the card to spend money in a store or online
Complaint: I was offered Kroger Rewards Prepaid VISA from Kroger through my Kroger Rewards App and I accepted. Im not sure of the exact date I received it but it was a few weeks ago.Shortly after I activated the card, put money on the card.The card was locked. I called Kroger to find out the problem and they said I need to verify my identity.So I did exactly what they said and faxed my information and they said they couldnt read it. I faxed a second time on XX/XX/2019.They couldnt see it even though I got confirmation.So on XX/XX/2019 I faxed another copy of my information. I called and they said they still couldnt verify anything. I have seen lots of complaints about people having the same issue.It feels as if they want me to just give up my money. Ive been dealing with this for a couple of weeks now and I dont believe that I will get my money back.These faxes are costing me money out of my pocket to get my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-28

LA

Incorrect information on your report

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

Information belongs to someone else
Complaint: I am a victim of identity theft since 2017. I still have Louisiana XXXX XXXX XXXX, us bank, XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX, XXXX, XXXX and a few other still reporting that these accounts are owned or are charge-off I filed a report with the FTC and they are still sending me to collections or suing me for the monies owned on these fraud accounts. I had paid all the accounts off in 2017. Then I got rob at XXXX time in 2017 all my cards were stolen and my social security card they even filed false income taxes with my social security number. Recently in XXXX all these creditors reported again to all credit bureaus and it s all on my reports like new information! everything PLEASE HELP! I will be going to court again in XXXX for one of them suing me.
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

2019-09-27

Delavan, WI

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

2019-09-27

Glendale, CO

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-09-27

Lafayette, CA

Managing an account

Checking or savings account: Other banking product or service

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

Timely Response

2019-09-27

Collinsville, OK

Closing your account

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

Can't close your account
Complaint: COMPLAINTIDPRIMARYCONSUMERPRODUCTANDISSUECONSUMER-IDENTIFIEDCOMPANYSUBMITTEDSTATUSXXXXXXXXXXXXGeneral-purposecreditcardorchargecardClosingyouraccountELANFINANCIALSERVICESXX/XX/2019Thecompanyrespondedpromptlywithanexplanationthathadnothingtodowithmycomplaint. STATUSSenttocompanyonXX/XX/2019CompanyrespondedonXX/XX/2019RESPONSETYPEClosedwithexplanation/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/-/Myoriginalcomplaintwas:Icannotuseaphone. Iopenedtheaccountwithoutusingaphone.Icannotgetaccesstomyaccountwithoutusingaphone.Icannolongerusethecreditcardbuttheycontinuetakingmoneyfrommycheckingaccountmonthly,andIcannotstopit.Icannotevenclosethecreditcardaccountwithoutusingaphone.Irepeat:Icannotuseaphone. Thecompanyrespondedpromptlywithanincorrectexplanationthathadnothingtodowithmycomplaint. CompanyresponsesaysIcannowaccessmyonlineaccount.ButtheynowwantmetosupplytheanswertoasecurityquestionthatmakesnosenseandIhaveneverheardofbefore. "whowasyourfavoritemanager?''managerofwhat.. IwasgiventwophonenumberstocallifIhadanyquestionorcomplaint. CompanyresponsealsosaysIcannowaccessandusemycreditcard.whenItriedusingitIwasrefusedandgiventwophonenumberstocallifIhadanyquestionorcomplaint. Pleaseseethefirstsentenceofmycomplaint. XXXXXXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Saint Louis, MO

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

2019-09-27

Las Vegas, NV

Problem with a purchase shown on your statement

Credit card or prepaid card: Store credit card

Card was charged for something you did not purchase with the card
Complaint: My U.S. Bank Account Number : XXXX was overdrawn amounting to {$120.00} But, My transaction history dated XX/XX/2019 Trace ID number XXXX has a customer deposit of {$100.00}. On XX/XX/2019 Trace ID/Ref number XXXX has an overdraft fee of {$36.00} paid by the bank and I was left with nothing. I reported the problem with U.S. Bank employees and they printed all kinds of figures that I owed {$120.00} and will be reported to Consumer Reporting Agencies, which may prevent me from obtaining services at other financial institutions. The said letter was sent by U.S. Bank Cbdm - DDA Default Services Phone : XXXX. The money involved is only {$100.00}. - {$37.00} = {$62.00} The question is what happened to my balance of {$62.00}? The bank location is on U.S. Bank, XXXX XXXX XXXX XXXX 's Branch at XXXX XXXX XXXX XXXX, XXXX XXXX, NV XXXX. Thanks for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Queens, NY

Getting a credit card

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

Application denied
Complaint: This bank has discriminated against me numerous times they respond saying I cant have an account when I never had one Im avictim of identity theft their credit department told me to apply for a secured card which I have and their fraud department is very nasty to me Im tired of they esybim treated by then they refuse to process my application. And their credit department says I should build a relationship but they wont allow me this bank is crazy must be investigated they tell me to write them a letter like I have time for that to their office Of the president I wish they would contact me in regards to this this is not nice the treatment and lies of this bank they arent horibke I wish they went out of business
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Richardson, TX

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

Vehicle loan or lease: Loan

Difficulty submitting a dispute or getting information about a dispute over the phone
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-27

Bedford, TX

Trouble using the card

Credit card or prepaid card: Government benefit card

Trouble using the card to spend money in a store or online
Complaint: I received my US Bank ReliaCard issued for XXXX through the Texas Workforce Commission on XX/XX/XXXX, I called the 800 # provided around XXXX XXXX CST, said it was activated and gave me the available balance. At XXXX on the same day I went to use the card for groceries and it said the card was Not Authorized. I called the customer service 800 # to tell them about the issue and I was told it was locked because of the attempts to purchase the groceries and that I ha to wait 24 hours to call or go online to activate the card. On XX/XX/XXXX, I called the 800 # customer service only to tell them that I remembered when I called the day before it said the 3 digit # on the back of the card was incorrect, but because I called it locked me out another 24 hours. Therefore, I have money from XXXX because I XXXX my job and can not get access to it and I was told by the representative that it was absolutely nothing anyone could do about it to fix the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

CA

Managing an account

Checking or savings account: Checking account

Deposits and withdrawals
Complaint: On XX/XX/XXXX at XXXX XXXX I deposited into my personal account ( by error ) {$7900.00}. in cash via an ATM at the bank branch location. At that time, both the receipt from the ATM and on the bank 's app on my mobile phone, the funds were immediately available. About an hour or two later, I discovered that I had put them into my personal account, which is linked to my business account for transfers. I immediately saw my balance in my personal account was over {$10000.00}. so I transferred the {$7900.00}. deposit to my business account. It all went through with no problem - on my phone. This morning at around XXXX XXXX, I received 2 notifications - the first email said that my personal account showed a negative balance of over {$5000.00}. The second email a minute later showed that I was overdrawn by {$710.00}. When I checked my mobile app from the bank it showed I had over {$2100.00} in my account. I then went onto the computer and saw that the bank did not post my deposit until 24 hours after the cash was deposited - and that I transferred the money that I didn't have. I have been assured by several bank employees that when I deposit cash through an ATM at the bank that that cash is available immediately - and the deposit slip also notes the same thing. The bank would NEVER have allowed me to transfer {$7900.00}. out of an account if the money was not there. I just did my taxes for XX/XX/XXXX and I found that this bank did exactly the same thing to me last year and hit me with 4 late fees of {$36.00} each - and I didn't catch it. This is happening at other banks also. Their software does not record deposits and intentionally records checks and other withdrawals BEFORE recording deposits which at times generate late fees from the banks ... this is illegal and needs to be stopped.
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

2019-09-26

Sherman Oaks, CA

Trouble during payment process

Mortgage: Home equity loan or line of credit (HELOC)

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

2019-09-26

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

2019-09-26

New Britain, CT

Trouble during payment process

Mortgage: FHA mortgage

Complaint: On or about XX/XX/19 I received a Annual Escrow Acct Disclosure Statement from US Bank Home Mortgage ( the mortgage co. ) stating there is a {$1300.00} short fall in my escrow acct and I can either pay that amount or it will be set up within the next 12 payments starting in XX/XX/2019. 2 days later I received the XX/XX/XXXX statement showing an increase on the monthly of about {$120.00}. The statement breakdown shows the increase in the escrow contribution but shows the tax contribution unchanged. It also shows an increase in the home insurance contribution. Mon.,XX/XX/19 I called my town to verify that the property taxes had not gone up, they were the same as last time. I then called my insurance co and verified that my housing insurance has not changed. In fact I changed insurance companies back in XX/XX/XXXX ( will get back to this ) So having this information I then called the bank. Spoke with a rep, asked why there was a short fall. She first came back with the insurance had increased. I struck that down and also informed her that the taxes had not changed. She never answered that with why my insurance contribution had increased ( for no reason ) finally came back with the real problem. When the old insurance co sent me a check for the returned premium, {$1100.00}, I deposited it and wrote a check to the bank and put a note as to what the check was for, because I called them to find what address to send it to. Someone at the bank took the payment and credit it to my mortgage payments, {$1000.00}, an sent the difference towards principle. This would have been toward the XX/XX/XXXX payment, which I had made already and they cashed on XX/XX/19. So there is a payment floating around somewhere and my escrow account is missing the {$1100.00}. This information came out of the reps mouth to me but she could not figure out the problem. Now that leaves a difference of {$250.00} escrow short fall which I pointed out and again asked why, no answer. Plus the fact that they are trying to get {$20.00} more per month for my insurance which did not go up. I have unfortunately been with this bank for over 8 years as they bought my mortgage before the ink was dry on the paperwork and it has been a horrible experience. I have another complaint towards them about predatory lending but I will submit that as a second complaint.
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

2019-09-26

Falcon, CO

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

2019-09-26

MO

Incorrect information on your report

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

Account information incorrect
Complaint: XX/XX/2017 I started an application to file bankruptcy but never completed the application process. Therefore the court dismissed XX/XX/2017. US Bank has failed to report my payments since to the three credit bureaus, thereby causing me not to be able to qualify for refinancing. I have paid all my payments to the on time monthly. However they did not report my payments to the credit bureaus. I did not know they were not reporting my payments to the credit bureau until I applied to refinance my home, and the perspective lender advised me the payments were not showing up on the credit reports and were hurting my score and ability to get a loan. I called US Bank and disputed with the credit bureaus repeatedly without their taking any action to help me. US BANK account # XXXX Balance approximately {$6000.00} Home Equity line of credit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

Calumet Park, IL

Opening an account

Checking or savings account: Checking account

Account opened as a result of fraud
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

2019-09-26

AZ

Problem with a lender or other company charging your account

Checking or savings account: Checking account

Money was taken from your account on the wrong day or for the wrong amount
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-26

Encinitas, CA

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: Called Us Bank customer service ( XXXX ) at about XXXX on XX/XX/2019. Spoke with a customer service advisor regarding a Mortgage Statement dated XX/XX/2019 for account XXXX XXXX. US Bank Advocacy, XXXX XXXX XXXX, XXXX, MN XXXX. The issue is that this statement shows my mortgage payment as being past due on the 6th of the month. I have a receipt showing it was paid on XX/XX/2019, which is within the contracted grace period which is between the XXXX and XXXX, as is seen in the Federal Truth In Lending Disclosure. Customer Service person stated that this is a new process and that the Mortgage Statements print date is on the XXXX of the month. Whereas, past Mortgage Statements, were generated the same date that the mortgage payment was received with a breakdown of my mortgage payment. The customer service rep said that under contract the mortgage is due on the First. She further went on to say that the Statement was issued on XX/XX/2019. In other words the mortgage is considered past due regardless of the 15 days grace period, provided for in the loan documents and justifies a late fee. I reiterated that the mortgage documents have a grace period up to the XXXX of the month before coming past due or being charged a late payment ( Truth In Lending document ). This practice is an attempt to persuade me to accept unfair terms through deceptive, coercive, exploitative or unscrupulous actions, by not allowing me a grace period of up to the XXXX of the month to pay my mortgage without having to pay a past due fee. This is contrary to the loan documents. This Mortgage statement from US Bank was received on the XXXX of the month by me, even though dated XX/XX/2019. The Mortgage statement sent out on the XXXX does not reflect my mortgage payment that was received by US Bank on the XXXX of the month and thus does not show the breakdown of the mortgage payment received by US Bank on the XXXX My mortgage statement shows a past due amount on the XXXX and suggests US Bank going to take late fees from the Mortgage Payment paid on the XXXX? This is what they did in the past even if I had documentation that they received the payment before the XXXX. This is what is causing me undue pressure and stress, US Bank taking my money and showing that I pay my mortgage past due, charging past due fees and not allowing me the grace period between XXXX thru the XXXX to make this payment. This is contrary to their loan documents obligation. The mortgage payment is due on the XXXX of the month, but should not be penalized if I pay the amount due within the grace period provided for in the loan documents Federal Truth in lending disclosure, which grace period ends on the XXXX of the month. Been having similar issues with the servicing of my loan since I received the loan. At first sent my payments to XXXX XXXX, where they said to mail it, and they would not post receipt of my payment upon receipt, but rather days after. Ignoring the prompt crediting rule. The mortgage payments were sent by priority mail to track the date the payment was received by US Bank, and supports this assertion. After months of conversations with customer service it was decided to just pay my mortgage, in person, at the local branch, which I have been doing. Have not received a periodic statement showing the breakdown of my payment made on the XXXX of this month, since the past due statement went out on the 6th of the month. This ongoing and continued harassment continues without any resolution, has cause lots of stress and pressure. This is why I am reaching out for help. Never missed a payment and have always paid within the grace period provided for in the loan documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-25

Randolph, MN

Opening an account

Checking or savings account: Checking account

Didn't receive terms that were advertised
Complaint: I received a flyer in the mail saying I would receive a XXXX bonus for opening a new checking account I just had to have 2 direct deposits of a XXXX or more in 60 days well I did everything on my part now they come up with excuse after excuse I feel mislead and there advertising is misleading.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-09-25

Las Vegas, NV

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

2019-09-25

Clearview, WA

Unexpected or other fees

Credit card or prepaid card: General-purpose prepaid card

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