U.S. BANCORP
Consumer Complaints
There are over 18695 complaints on file for U.S. BANCORP. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 24
2019-09-16
Roxbury, NY
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: XX/XX/2019 I logged into my credit card online account and scheduled a single payment for XXXX dollars. Two listings in the scheduled payments queue appeared. Each listed scheduled payment as the ability to click on it individually and cancel it. I intended to cancel one of the two scheduled payments, with no explanation of why the two listings appeared after only one payment was scheduled in the first place. Both listings of the scheduled payments disappeared. This left me with no scheduled payments pending and I was left to again may a second attempt to enter a scheduled payment. Again two separate listings appeared, this account was rather new to me and I made the determination this must be how the website lists a payment schedule in its pending payments section so I tried to make no further attempts to fix this. I had faith only one payment would process and this is just a programing graphic glitch. The next day two payments processed to my original concerns. I called the credit card company immediately and was told that one of the two identical payments would be refunded in 24 hours, Saturday. No refund appeared and I checked again on Monday with nothing having taken effect. I called again and was told the last agent I spoken to on Friday was very incorrect and it would take three weeks. I told the agent that was way too long to wait for US Bank to correct their programming error and get back my XXXX dollars. I was then told I can call my own bank to contact US Bank to expedite this, then I asked what information do I need to refer to my bank so they knew how to proceed. I was placed on hold for a long time and then told to forget that original set of instructions. That there was no need to contact my bank because that is not part of their internal processes. I would just have to wait three weeks as originally told before being placed on hold. I told them I wanted to cancel my card and make payments on the balance for the rest of the term that I had an introductory zero APR. I was told if I pursued canceling my credit card that my introductory zero APR would end. I complained that US Bank really made some huge mistakes beginning with their website and their process for fixing them. I was told if there was nothing else they were going to end the call on me. I am afraid to use my credit card online account because a double payment can happen the next time I schedule a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
Saint Clair, MO
Managing an account
Checking or savings account: Checking account
Funds not handled or disbursed as instructed
Complaint: This is the second complaint regarding my bonus not received. I sat down with the flier that was mailed to me with the XXXX branch manager XXXX XXXX. He says a promotional code was not provided to him. It was. He's suffering from a memory lapse, " misrepresenting the truth '', or covering his tracks. It's become a he said she said moment at this time. You can be proud of your manger as he saved the bank 300 bucks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
Louisville, KY
Written notification about debt
Debt collection: Credit card debt
Notification didn't disclose it was an attempt to collect a debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
NV
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Complaint: XX/XX/2019 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NV XXXX Complaint Department Elan Financial Services To whom it may concern, I am writing to dispute the following information in my credit file. The item Im disputing is Elan Financial Services Account # XXXX XXXX XXXX XXXX, as reported by XXXX XXXX.
This delinquent account record is inaccurate because I was having extreme difficulties paying my account starting in the month of XXXX, XXXX, and XXXX. However, I continued to make my payments online and I one day received a delinquent letter that I was more than 30 days late! There was no way I was late when each month I was making my payments. I called XXXX Nevada XXXX XXXX as that is where my credit card is from. They stated a new company had bought out their old payment company and therefore payments were to now be made at MyAccountAccess.com. I had to create a new profile for me to make my payments. At this point my account was behind and I had to play catch up as I was never notified of this change. This whole time I thought I had been making my payments on time. This account has now been paid in full on XX/XX/2019 of the amount of {$1800.00}.
I am requesting that the account be corrected to show that it has always been current, with no record of being delinquent. As you can see, my payment history is perfect other than this one mistake that I dont believe was my fault. The late payment is also showing up on my credit reports and its done a lot of damage to my credit scores.
Please investigate this matter and correct the disputed item as soon as possible.
Sincerely, XXXX XXXX Enclosures : Dispute Letter
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
Hanover, IN
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
MN
Struggling to pay mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: my wife died in XX/XX/XXXX andXX/XX/XXXX I filed bankruptcy and left out my home mortgage and the home equity loan of {$48000.00} so I could kept my home I kept up the payments till one day the home equity bank took it off line that was the way I was making the payments. So I called them and they put lien on the home that I would pay it off when I sold the home and I said no more payments they said yes. A few years later I get a foreclosure letter. I have talk to the county and a legal assistant and the attorney general of Minnesota. All I want is for the bank to clear the payment history so can refine my home to to pay them off thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-16
AZ
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: On XX/XX/XXXX three VISA prepaid gift cards ( The Visa Gift Card is issued by XXXX XXXX XXXX XXXX pursuant to a license from Visa U.S.A., Inc. ) were purchased from XXXX XXXX XXXX XXXX, each with a gift value of {$120.00}. I was presented one of these cards, as were two other friends, as a gift. Prior to any of us being able to use the cards, we found out that the three cards had been fraudulently used. I found this out when I attempted to register the card at XX/XX/XXXX and was not able to do so. I found out that the card had been used for {$110.00} on XX/XX/19 and on XX/XX/19 for {$5.00}.
I first attempted to register my card on XX/XX/XXXX. When I called customer service per the instructions on the website, I was told to fax ( not email ) copies of the original gift receipt, the front and back of the prepaid gift card, and my ID ( including enlarging the materials 200 % and lightening them for the fax ). Which I did on XX/XX/19, and the facsimile machine confirmed receipt. After not hearing from the VISA prepaid gift card company, I called on XX/XX/19 only to be told they never received the fax. So I re-faxed everything again on XX/XX/19 ( again receiving a confirmed fax report ). After again not receiving any response, I called the company yet again on XX/XX/19, the company told me the copy of the original receipt was not clear enough and to-refax it yet again. On XX/XX/19, after not hearing anything from the company I called yet again ... this time they told me the copy of my ID was not light enough and to refax it yet again.
This is worse than the thief who stole the money off the cards in the first place. For that matter, I'm beginning to think the whole thing is a scam. I mean, it's 2019, who doesn't allow you to EMAIL documents in! Relying on a fax?!?!? And not calling me ( even though every time I included my phone number on the faxed messages ) despite the multiple iterations of faxing the materials?? These guys are just making it impossible to get the money that rightly should be refunded and put back on the card!! VISA XXXX is a horrible business!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-15
MO
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: Banks wont approve my applications and not giving an explanation of why being the fact i filed for stolen identity
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-15
Stewart, AL
Incorrect information on your report
Vehicle loan or lease: Loan
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
2019-09-14
Kansas City, MO
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 explanation
2019-09-14
Corona, CA
Closing an account
Checking or savings account: Checking account
Can't close your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-14
Grosse Ile, MI
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 have a credit card from Elan Services which is valid till XX/XX/XXXX, they made two new " Hard Inquiry '' on my credit report on XX/XX/2019 without my authorization. I also have a supplement card for my son, they have made a similar hard inquiry on his credit report too without his consent.
I what to report this and also what this company to remove the Hard Inquiry.
Elan Financi XXXX, MN XXXX ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-14
Murray, UT
Trouble using the card
Credit card or prepaid card: Gift card
Trouble getting information about the card
Complaint: On XX/XX/2019 I purchased a {$100.00} Visa gift card for my grand-daughter. I gave it to her on graduation night XX/XX/XXXX. On XX/XX/XXXX, she called and told me she had spoken with Visa when she tried to register the card and found the money was spent. According to Visa it was spent on XX/XX/XXXX. She didn't even have possession of the card then. She found someone had registered it and transferred it to their XX/XX/XXXX account without the pin number. I called Visa XX/XX/XXXX.Visa told me it was probably stolen online. Told to fax front and back of card, my ID, Copy of receipt from store. Because it had been 7 weeks since purchase, I no longer has the original receipt. The said no problem, get copy from XXXX/XXXX. I faxed info first time on XX/XX/XXXX. Called XX/XX/XXXX. Told it takes 10 days to get in computer, call back in a few days. Called again XX/XX/XXXX. Fax not found. Found out I had not faxed all the info needed. Needed case number listed on each page, needed to put on cover sheet proof of ownership and change owner to my name and address. Re-faxed XX/XX/XXXX. Called XX/XX/XXXX no fax in computer. Called XX/XX/XXXX told it was denied because they wouldn't accept copy of receipt from store. What!! This is a major chain. The last 4 of my Debit card is on it, my fresh value customer number is on it, been mine for 24 years, first 10 numbers of gift card on it. I don't know what else they want. they said copy of receipt from store not good enough. It has been 4 months of calls and faxes. I'm done fighting with them and need some help to resolve this. Thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-09-13
Gastonia, NC
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
2019-09-13
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
2019-09-13
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
2019-09-13
Flushing, NY
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-13
Beaufort, SC
Trouble during payment process
Mortgage: Conventional home mortgage
Complaint: In XXXX of XXXX we refinanced our mortgage with XXXX. Said mortgage is serviced by US Bank, including the escrow account associated with many traditional mortgages. Until this year, we have had no issue with payments being made from the escrow account.
We received a statement from our insurer, XXXX XXXX XXXX XXXX, dated XXXX XX/XX/XXXX which referenced a premium due of {$4300.00}. This differed from the estimate used for our escrow payments of {$4000.00}. With our monthly payments of XXXX and XXXX, XXXX, we made additional payments of {$150.00} and {$150.00} respectively to make up for the escrow shortage. We have never been late on a monthly payment, and review our escrow statements annually for accuracy and make up any shortages.
On XXXX XX/XX/XXXX, we received a Final Payment Reminder - Impending Cancellation from XXXX XXXX XXXX XXXX. On XXXX XX/XX/XXXX, we called XXXX to verify if payment had crossed in the mail, which it had not. To ensure that our policy was not cancelled, XXXX XXXX made the minimum payment by phone in the amount of {$730.00} at XXXX.
Also dated XXXX XX/XX/XXXX, we received a letter from US Bank requesting we provide insurance information for the property, the tone of which we did not appreciate considering that : 1 ) we had never made a late payment ; and 2 ) we escrow funds for US Bank to pay insurance and property taxes. Also on XXXX XXXX, XXXX XXXX called US Bank to find out why we were receiving letters of cancellation, both from our insurer and US Bank, for funds that were escrowed to pay for the insurance. The final representative we spoke with on that day was XXXX at XXXX. He claimed that they never received the insurance statement, that US Bank had called XXXX once to request one and did not receive a response, and that was the only action taken. No follow-up was done by US Bank, other than to send the aforementioned unappreciated letter. During this call, XXXX conferenced XXXX XXXX in with XXXX at XXXX. We verified the policy, that the amount due was the full {$4300.00} and our partial payment of {$730.00} should not be taken into account, and XXXX promised XXXX with XXXX, with XXXX XXXX on the line, that payment would be sent out the following day which would have been XXXX XX/XX/XXXX. XXXX XXXX was then transferred to the escrow department when she spoke with XXXX regarding the process for requesting an escrow waiver, to include the escrow waiver fee, as this series of events was wholly unacceptable. The instructions were followed, and the escrow waiver was granted, to include the escrow waiver fee, on XXXX XX/XX/XXXX.
On XXXX XX/XX/XXXX, XXXX XXXX called the US Bank escrow department to inquire as to how long after a waiver is granted will the account be reconciled, closed, and the balance of funds returned to us. XXXX XXXX spoke with XXXX at XXXX and was informed that the escrow account balance of {$2000.00} was emptied on XXXX XX/XX/XXXX, that the check had not yet been sent, and that the checks are typically mailed within one week of account closure.
On XXXX XX/XX/XXXX at XXXX, XXXX XXXX called the automated insurance line for XXXX XXXX XXXX XXXX to learn that the payment of {$4300.00}, which was supposed to have been made on XXXX XX/XX/XXXX, was not posted to the account. XXXX XXXX immediately called US Bank and spoke with XXXX at XXXX in their escrow department to inform them the payment had not been received by XXXX. She checked the record to find that the payment on XXXX XX/XX/XXXX was made to XXXX XXXX XXXX in XXXX XXXX, Iowa. Additionally, on XXXX XX/XX/XXXX payment in the amount of {$4300.00} was sent to XXXX and XXXX XXXX - the insurance agent for the XXXX. Both of these payments were returned, naturally, as they were issued to the incorrect payee even after XXXX XXXX heard XXXX speak with XXXX at XXXX, promising to make full and appropriate payment.
XXXX XXXX then spoke with XXXX at XXXX in the US Bank insurance department who informed her that a third check was sent to XXXX XXXX XXXX XXXX at their address in XXXX PA on XXXX XX/XX/XXXX. XXXX XXXX countered that the number of checks sent do not matter if the checks do not clear. XXXX then informed XXXX XXXX that the payments could not be sent because US Bank requires evidence of insurance from XXXX, which they did not received until XXXX XXXX. This was not mentioned - at all - in any previous conversation, especially in the conference with XXXX of US Bank and XXXX of XXXX in which XXXX promised to send payment on XXXX XXXX, nor by XXXX in the escrow department who referenced two prior checks being sent. XXXX XXXX informed XXXX that she believed that US Bank had proven their gross incompetence, and that anything short of a check in the amount of {$4300.00} sent to the XXXX via XXXX was unacceptable, and that she considered the fact that they had collected escrow funds that were not paid out in a timely and appropriate fashion to be theft in light of the phone calls made by XXXX XXXX to rectify the situation. XXXX responded that he would like to do that, but could not until an appropriate amount of time had passed for the check to arrive at XXXX and clear the bank.
On XXXX XX/XX/XXXX at XXXX, XXXX XXXX again called the XXXX automated insurance line to learn that the payment still had not been applied to the account. This is ten business days after the third check was supposedly sent, but in light of the history and misinformation provided by US Bank the XXXX harbor doubt that the third check was even sent.
As millions of mortgagees entrust their money to mortgage servicing companies, per said companies ' and mortgagors ' requirements, to fulfill obligations of insurance requirements and property taxes, these accounts are regulated. This series of events cause concern that US Bank is not taking their responsibilities to their account holders seriously. The XXXX live in XXXX South Carolina - a hurricane-prone area - and this lapse occurred during hurricane season. Knowing how difficult it was to bind insurance in the first place, the XXXX have serious concerns about what their ability to rebind would have been if they had not been proactive in addressing the notices received. Many are not, and while they do have the ultimate burden of responsibility, it does not diminish that US Bank broke their trust by not properly addressing their responsibilities. More, many mortgagees can not afford to pay their insurance outside of the escrows they have already paid, putting them at further risk.
We thank you for your assistance to ensure that US Bank fulfills their obligation to other account holders. If I could refinance with no fees to remove all my business from US Bank, I would.
Also on XXXX XX/XX/XXXX, at
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-13
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
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-13
Hemet, CA
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
2019-09-13
Danville, KY
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 explanation
2019-09-13
Riverdale, GA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Was not notified of investigation status or results
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-12
Closing an account
Checking or savings account: Checking account
Company closed your account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-12
Sierra Madre, CA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: My name is XXXX XXXX XXXX, about a year ago, i had an checking account under XXXX XXXX. After i opened it, i received a letter from XXXX XXXX regarding my account had a check problem and had to closed my account. At that time i talked to one of the banker, the reason whyXXXX XXXX close my account is becasue one of the check deposted to my account, but that check is not belong to me and i never deposited. XXXX XXXX said they would do the investgation and would give me a call back. After they did the investgation, XXXX XXXX said was not my problem, but XXXX XXXX confirmed that my account had been closed, but I can open a new account at anytime. After 1 years later which is today XX/XX/2019, i tried to reopen it, but XXXX XXXX said they cant open an new account, so i asked them why they cant open for me, and they never give a reasonable reason at all, so the XXXX XXXX banker told me to call the customer service hotline, and the cusotomer service still cant answer me the question at all why they cant open account, i talked to the person name XXXX which is the sales department manager, he told me wait for the letter for the reason and i wanted to speak with other department which can help me out, they refused me, and no matter how many i ask him, he still not helping me at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-09-12
Savannah, GA
Problem when making payments
Credit card or prepaid card: General-purpose credit card or charge card
Problem during payment process
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with monetary relief