U.S. BANCORP

2019-08-02

Tewksbury, MA

Struggling to pay mortgage

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

2019-08-01

Champlin, MN

Closing an account

Checking or savings account: Other banking product or service

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 explanation

Timely Response

2019-08-01

Cedar Rapids, IA

Other features, terms, or problems

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

Problem with customer service
Complaint: Elan Financial Services sent XXXX PLATINUM CARD AGREEMENT with no identifying information as to which company they are performing credit servicing for. I contacted customer service at XXXX XXXX on XXXX XXXX and spoke to XXXX ( they record conversations, per XXXX ). She requested my SSN and I declined as uncertain whether this was a scam. She was unable to locate an account for me using my complete name and mailing address. She stated " this is probably a scam letter ''. I commented " are you a scam as all phone numbers point to you ''? She said " no, as i didn't give her my SSN ''. I advised her at that moment I would be reporting them to the XXXX, Fair Trade Commission and Office of the Attorney General. Thank you, XXXX 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

Timely Response

2019-08-01

Tarzana, CA

Problem when making payments

Payday loan, title loan, or personal loan: Installment loan

Complaint: XXXX and I were told by U.S. Bank rep XXXX XXXX that my last payment on Loan # XXXX___ would beXX/XX/XXXX. XXXX and I are 100 % sure that these were " His Words ''. What I signed was not whar Mr. XXXX represented to us ( my wife and I ). We liked him and trusted him, we go to appointments together for this very reason, just in case we hear things differently. During the presentation, I personally asked MrXXXX XXXX when the last payment was ; again he responded XXXX of XXXX. Instead the last payment is XXXX of XXXX when I initially signed, I asked to sign the Hard copy, XXXX XXXX said he had to work it up ... .we later did an e-mail signature : click, click, click. I did not find out until XXXX XXXX that the " Real '' last payment is 12 months later : XXXX of XXXX from U.S. Bank XXXX XXXX provided us documentation XXXX We are not disputing the paper work of the loan. To be specific, it is what was presented to XXXX and I was a " Bait & Switch ''. It was not a truthful presentation. U. S. Bank has denied any wrong doing as we have already been thru the U.S. Bank complaint process. We requested to be interviewed, we were not. U.S. Bank is not going to investigate itself. I also spoke with XXXX XXXX of U.S. Bank ( concerning follow up from U.S. Bank letter dated XXXX XXXX ). Ms. XXXX with No Results. Both XXXX and I are 100 % sure MrXXXX XXXX stated @ least ( XXXX ) times XXXX of XXXX. TRUST is a Big word ... .very important in Banking as XXXX ( XXXX. XXXX U.S. Bank ) and I discussed. I said to XXXX XXXX ( U. S. Bank Branch Mgr. ) I would have to file a complaint ; XXXX replied, " Sounds Good ... .You do that ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Hghlnds Ranch, CO

Applying for a mortgage or refinancing an existing mortgage

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 explanation

Timely Response

2019-08-01

Brooks, OR

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

2019-08-01

Navasota, TX

Trouble during payment process

Mortgage: Conventional home mortgage

Complaint: I was unable to pay my US bank Home mortgage payment of XXXX online today ( XX/XX/2019 ), as I usually do every month. When I called the customer service number provided at XXXX, I was transferred to the online banking department who informed me that I would no longer be able to pay my mortgage payments online due to updated compliance regulations for borrowers that had a previous bankruptcy. I stated that the bankruptcy over 10 years ago and my mortgage was reaffirmed in the bankruptcy. Also we never missed a payment on our mortgage even during the bankruptcy. I further stated that I was NEVER notified in writing by US Bank Home Mortgage of this change in policy. The representative told me that I could pay a XXXX fee to pay through the automated phone system, or I could pay XXXX fee to have her process the payment. I asked for a supervisor who did eventually waive the fee to pay online, but I would like an answer as to why I was never notified in writing of this change in policy? I feel that this policy is a extremely discriminatory and bias especially since we NEVER missed a payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-08-01

Redwood City, 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

2019-07-31

Milwaukee, WI

Applying for a mortgage or refinancing an existing mortgage

Mortgage: Conventional home mortgage

Complaint: Completed online mortgage application online via US Bank Loan Portal, on XXXX/2019. Assigned XXXX XXXX as the mortgage loan specialist. Received a voice mail message from Mr. XXXXr (XXXX) and returned call on or about XXXX/2019 and left a voice message to contact me back (XXXX). No response via phone, mail or email. Application status is being delayed for no apparent reason. A hard credit pull was done on XXXX/2019 and impacted my credit score.
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

2019-07-31

City Industry, 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 explanation

Timely Response

2019-07-31

WY

Closing your account

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

Company closed your account
Complaint: Elan Financial Services closed my account because, as they claimed, they sent me a letter asking for information and I did not respond. I never received that letter. As a result, they closed my account and forfeited all rewords points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response

2019-07-31

Lewisville, TX

Incorrect information on your report

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

Information belongs to someone else
Complaint: US Bank put two inquiries on my XXXX file on XX/XX/2019. I was never reached out to. No one called to clear my Extended Fraud Alert, I did not apply for any products with Us Bank on XX/XX/2019. I SEE TWO Inquiries on the same date from the on my same file. This is on my XXXX Credit Report, And I can see that. I did reach out to XXXX whom advised me to contact US Bank. I did contact US bank and advised them I did not apply for credit with their instituion on XX/XX/2019 and that I am a victim of ID Theft, According to the rep they only show 1 inquiry and they said they would remove it. THEY DID NOT. It is Two inquiries both from the same company on the same date. XXXX is requesting me speak to US Bank. So this complaint is because US Bank refuses to assist even though I advised the Application was fraudulent and not authorized they refuse to remove the inquries they illegally placed. Please correct this.
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

2019-07-31

Parkrose, OR

Problem with a purchase or transfer

Credit card or prepaid card: Gift card

Charged for a purchase or transfer you did not make 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

Timely Response

2019-07-31

Fitchburg, WI

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

2019-07-31

Campbell, CA

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

2019-07-31

Boulder, CO

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

2019-07-31

Grand Jct, CO

Problem caused by your funds being low

Checking or savings account: Other banking product or service

Non-sufficient funds and associated 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

2019-07-31

Struggling to pay mortgage

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

2019-07-31

Mdn, MS

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

Timely Response

2019-07-31

Costa Mesa, CA

Managing an account

Checking or savings account: Checking account

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

Timely Response

2019-07-30

Chula Vista, CA

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

2019-07-30

Coral Springs, 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

2019-07-30

Boulder, CO

Problem getting a card or closing an account

Credit card or prepaid card: General-purpose prepaid card

Trouble getting a working replacement card
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

2019-07-30

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

2019-07-30

Nyc, NY

Managing an account

Checking or savings account: Checking account

Problem using a debit or ATM card
Complaint: XX/XX/2019at approx XXXX XX/XX/XXXX, I withdrew {$400.00} from the ATM in XXXX XXXX XXXX, and that the machine glitched because i had organically asked for {$600.00} but was denied ( was not on the receipt they sent me ) the ATM is owned by US bank, the money was never dispensed from the ATM machine, I filed a complaint with my bank XXXX, and they investigated, after the investigation US bank showed a receipt that the money was dispensed but it wasn't. anyway I asked them to check the video, after getting the run around of who has the video and speaking to to someone at Ballys, US bank, who said they dont have access to the cameras, HOW DO YOU NOT HAVE ACCESS TO THE CAMERAS?????? to check and see that the money didn't come out, anyway after all the phone calls and writing to a few places that was recommend by better get XXXX from XXXX, I have now been sent here. since nobody seems to be able to help me, which i find ridiculous, even when I spoke to someone at US bank he said he doesn't know if they can even access the cameras, UNREAL hopefully u can help me resolce this issue, I have since been back to XX/XX/XXXXXXXX and have withdrawn money from thier ATMs with no problems.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation

Timely Response