Date Received: 2022-11-30
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: 1. According to contract Law, US. BANK has no right to collect on this account. They do not have the original promissory note. 2. Promissory note is false. 3. It is stated that we have received funds from a lender. We do not have any records of a {$190000.00} check deposited in our bank account at time of purchase. 4. Im reporting Fraud on a loan that U.S BANK is looking to foreclose through XXXX, XXXX XXXX XXXX XXXX and whomever working on the case : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06516
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Re : Increased Interest Rates I have contacted US Bank four ( 4 ) time concerning increased interest rates on past purchases. Requesting they reduce these rates. My request is based on the regulations by CFPB and the Credit Card Act passed into law ( XXXX XXXX thru XX/XX/XXXX ). I have never received any information from CFPB or the Credit Card Act making changes or canceling these regulations, or they are no longer effective. ( There is a ban on arbitrary interest rate increase, including retroactive rate increases. The Act states that banks can not raise rates on your existing past balances, unless you have failed to make payments for 60 days or more ). I feel US Bank has not adhered to these regulations. US Bam stated they have the authority to raise the rates based on the Federal Reserve increasing the Prime Rate. These increased started before the Prime Rate was increased. US Bank has been increasing my interest rates for a long time, sometimes every month. ( Beginning XX/XX/XXXX, interest rates for purchases was 7.24 %. Rates have increased monthly/yearly to XXXX to 17.24 % and 21.24 % for purchases ). I have contacted them other times concerning the rates. They have never reduced rates. I have had this account for many years. I have always made on time and before due date. ( Was late one time for 2 days, because I had not received my statement ). I have requested they review and re-evaluate the increased interest rates, based on the valid regulations, and apply a rate deduction. This request was denied. I received a Platinum Card Agreement letter from US Bank state the interest rate for the APR will be effective XX/XX/XXXX. This letter was received 5 to 10 days after my contact with US Bank. This is the first time I have received a letter re interest rate increases. I am filing this complaint for review, based on the valid regulations. I want to be treated fairly as a loyal customer. RESOLUTION : Lower/reduce past retroactive interest rates applied to past purchases, based on valid regulations. Credit account, and adhere to regulations. THANK YOU I
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank Loss Draft Department Hurricane Ian Flooded my home, flood insurance cut a check and I sent to Mortgage company. The company sent me a check for XXXX dollars- I deposited the check they cancelled it. I have contractors lined up and the company will not explain the issue or why I was given the check and it was then taken away. I was able to call and they stated their policy changed. I called on XX/XX/XXXX at XXXX and XXXX stated I would get a check for the total amount, called back on XX/XX/XXXX XXXX stated the check was mailed and at my home. I deposited the check on XX/XX/XXXX. I was notified by my bank on XX/XX/XXXX that the payment was stopped. I still haven't received notification from the company or a supervisor of why this occurred. I have a letter saying final disbursement was given and claims is complete. I have contractors coming next week and I won't have money to pay them to get my home where I can live in my home. I was able to get notification after multiple calls today that they would send XXXX for repairs. The problem I have is the poor information shared so I can plan to fix my investment ( home ) and the lack of communication and cancelling funds so my checks are going to bounce without that money and I will have to pay additional fees due to the incompetence of this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32807
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Theres a few things a few banks I have issues with that Ive had problems with US Bank and XXXX XXXXXXXX XXXX, as well as union bank in California. XXXX XXXX another one. Tell this year is Ive been trying to receive my money from the XXXX as well the XXXX XXXX XXXX they deliver their money to their banks or their establishing, and stay on, but I never seen to receive it especially with XXXX XXXX I can give me long list and insists and I dont have exactly what you guys want for me to show you but I have proof if you could get hold of me and I want see if I can resolve this I just want my money that I work for XXXX is another. How do you want that I need to check into it so Im going to others and ever receive my money for my customers to pay me houses in some kind of problems going on with something in the middle of in between pocket so I figured I was I was a victim is it that that is the reason. Im just tired of not exceing the money the mu I said to pay for have a ride services. As far as my customers go out I do great job I havent received one paint I think someone see if you could look into his XXXX XXXX as well
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95695
Submitted Via: Web
Date Sent: 2022-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Person ( XXXX ) emptied our checking account ( $ XXXX ) using a XXXX bank transfer. If looks like all they needed was our account and routing numbers, which are printed on our checks, and the approximate money in the checking account at that time. If we fall to see this transaction in the 24 hour pending period, we would have no money. Need help. Please text XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 856XX
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a mortgage serviced by US Bank. The mortgage servicing includes escrow services. On XXXX I sent the my city tax bill for {$1000.00} which was due on XX/XX/XXXX. On XXXX I mailed them my county tax bill for {$6100.00}, due XX/XX/XXXX. On XX/XX/XXXX I received a delinquency notice from the city that my {$1000.00} bill had not been paid and they were assessing {$100.00} in penalty. I called US Bank that day and was told that they would research my case and give me an answer no later that XX/XX/XXXX. They told me on that phone call that payments had been made on XX/XX/XXXX for {$750.00} and XX/XX/XXXX for {$4200.00}. Both not the amount of my tax bills, likely bills for another property. The XX/XX/XXXX date for response has not been met and both bills are unpaid. I have penalties imposed and I worry about where the {$750.00} and the {$4200.00} were applied. I am 62 years of age, a CPA and have never paid a bill late in my life.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40356
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We had a XXXX XXXX XXXX XXXX XX/XX/XXXX. We reaffirmed the 1st mortgage ( XXXX XXXX ) and included the 2nd mortgage ( US Bank ). Case # XXXX On XX/XX/XXXX we received a Notice of Foreclosure from Attorneys for US Bank The XXXX Case # XXXX - ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, OH XXXX ). We have an attorney assisting : XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, OH. XXXX T. ( XXXX ) XXXX EMAIL XXXX We have the ability to pay the balance of the 2nd mortgage ( approximately {$85000.00} ) and have attempted to ger a payoff from US Bank. This has been going on since XX/XX/XXXX We also have been approved for a cash out mortgage to pay the US Bank XXXX. We informed our Loan Officer, ( XXXX XXXX XXXX # XXXX ) of all of this before we made our application. He assured us he had discussed our situation with a US Bank underwriter and that there would be no problem. However, it became apparent he did not discuss our situation with and underwriter and we were told it was declined because US Bank had filed the foreclosure. XXXX # XXXX We have had no success getting a contact to get this to a resolution. We have contacted the Consumer Loan Dept. They service the HELOCs, as well as loss mitigation. The contacts we have made will not supply a phone extension nor last name. We requested " Assistance '' and were given a link that required us to complete a Credit Application. We submitted this an 14 days later received a packet with a request to complete the application we had just completed. The bank has a full Residential Mortgage Application with an appraisal ( XXXX XXXX XXXX XXXX- XXXX XXXX XXXX XXXX XXXX # XXXX ) - Mortgage Application # XXXX We were assigned a Case Manager, XXXX XXXX ( XXXX ext. XXXX ) on Friday XX/XX/XXXX ). We have called 4 to 5 times per day on Friday XX/XX/XXXX, Monday XX/XX/XXXX and Tuesday XX/XX/XXXX. The case Manager has never answered and we are told that " anyone can assist us. '' None have been able to and eventually we are transferred to " Customer Service '' who then transfers us back to Loss Mitigation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45040
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This has been going on for almost a year. I've called US Bank informing them that I have never applied for anything with them. This inquiry does not belong to me and needs to be removed at once. US BANK ( Bank ) XX/XX/XXXX I have XXXX Business and personal bank account, and Credit card my credit report was run 3 times for my credit card. I want to keep all my accounts. Just please remove the inquires. Do not bother my accounts. XXXX XXXX XXXX XXXX. ( Bank ) XXXX XXXX, XXXX XXXX XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXX XXXX XXXX XXXX. ( Bank ) XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60453
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I made a principal payment of {$9900.00} on XX/XX/22. US Bank withdrew {$9900.00} from my XXXX XXXX checking account. However, US Bank has not given me credit for the principal payment. US Bank shows on my account activity a payment of {$9900.00} and then a payment reversal of {$9900.00}. When I spoke with customer service manager, I was assured that the {$9900.00} would be returned to my XXXX XXXX checking account. When after nearly a week I did not receive the {$9900.00}, I called back US Bank. I am now told by the customer service representative that the {$9900.00} seems to be lost in the process and was told an investigation has been requested. The investigation will take about XXXX business days. I want the {$9900.00} returned to me immediately and I do not want to be charged the interest on my XXXX loan for this amount while my money is missing due to the fault of US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30328
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-29
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: I have attempted to dispute a charge and have my funds returned to me, with US Bank since XX/XX/XXXX without any success for the amount of {$1000.00} charged to my credit card account on XX/XX/XXXX. The charge was made under false pretenses. I purchased an airline ticket for a specific return flight departure time. The flight I selected was {$370.00} more expensive than the other time option. Upon completion of the purchase, I received an email confirmation for the flight. Then within 23 minutes, I received an email stating that they changed the return flight departure time. The time they changed it to was for the flight that was advertised on their site for over {$370.00} less. I immediately tried to reach the merchant to cancel. I would not have completed this purchase if I had known they were selling me an airline ticket for a time that did not exist. The merchant used Bait and switch advertising in order for me to complete the purchase, which is grounds for an action of common-law fraud, unjust enrichment, and sometimes breach of contract. A bait and switch is also a violation of the Consumer Fraud and Deceptive Business Practices Act. The change in time was a significant delay since I was traveling approx. XXXX hours away from the airport and due to pre-scheduled events. I immediately attempted to contact the seller via e-mail, live chat ( website ) and via phone. After XXXX times of unsuccessful attempts to contact the seller using all available methods, I decided to file a dispute with US Bank XXXX On XX/XX/XXXX, I contacted US Bank via phone and filed the dispute. I advised their representative that I had just purchased a new airline ticket through a different merchant because I felt like my original transaction was fraud and that I was unable to contact the merchant at all. I was advised I would be credited the transaction amount within XXXX hours. I was then advised I would receive a letter via XXXX if any additional information would be needed. I received the temporary credit the next day, but I did not receive that letter. I waited a few weeks for the letter to arrive. It never arrived. The only communication I received from US Bank was a letter that I received via XXXX on XX/XX/XXXX, which was dated XX/XX/XXXX, the same day as the dispute. This letter stated that I did not submit additional requested information. On XX/XX/XXXX, US Bank then reversed the temporary credit, and debited my account. On XX/XX/XXXX, I contacted US Bank, via phone, and was advised that alot of people dont receive our letters because of XXXX being slow. I was advised that the dispute would be reopened, and that I would receive a letter via XXXX requesting additional information. I was also advised I would receive another temporary credit within XXXX hours. Once again, I never received any communication from US Bank requesting additional information. The only letter I received is dated XX/XX/XXXX, explaining that the investigation was already closed. I did not receive the credit. I sent a letter via XXXX on XX/XX/XXXX outling my dispute and proof of dispute ( XXXX pages ) and issues I have had with US Bank thus far regarding their lack of regard for my dispute. I did not receive any response. I then sent it again via XXXX on XX/XX/XXXX and was received by them on XX/XX/XXXX. I then called US Bank again on XX/XX/XXXX and was told that my dispute and file has not been looked at, and that maybe the employee asigned was no longer with the company. I was then advised I would receive a call from a dispute manager within XXXX hours. I never received a phone call. I then called back on XX/XX/XXXX and was advised that my dispute will be re-opened and I would receive a call back. As of today, XX/XX/XXXX, I have not received any communications from US Bank. I am requesting that the error be corrected, that any finance or other charges related to the disputed amount be credited to my account, to receive an accurate statement, and for this dispute to be reopened and fully investigated as per the FCBA. I have not been given a fair and due process for disputing this transaction. Please correct the error on my account promptly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60061
Submitted Via: Web
Date Sent: 2022-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A