U.S. Bank National Association Corporate

Complaint ID: 7062651

Product: Checking or savings account

Sub-Product: Checking account

Issue: Closing an account

Subissue: Funds not received from closed account

Company: U.S. BANCORP

Complaint: I closed my check account on XX/XX/2023, US bank said they will send me a check # XXXX with {$3100.00} ( balance ) in 7-10 days. I did not receive the check. I need call them 10 times and waited 30 minutes per calling, agents did not know how to deal with. Then they asked me to do notary public to state of loss the check. In fact I did not receive it at all. US bank checked online and did cancel the check on XX/XX/2023. After I sent them notary public XX/XX/2023. They did not send me the check. I called again and again, they said we will send. However I did not get it at all as today, Note : I did not remember my XXXX XXXX XXXX is the check of US bank that said to be sent to me, but I did not get. They can find it XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7062281

Product: Mortgage

Sub-Product: Other type of mortgage

Issue: Incorrect information on your report

Subissue: Account status incorrect

Company: U.S. BANCORP

Complaint: About 2 years ago I refinanced a commerical property with US BANK. Around last XXXX they came back and said they need to do additional paperwork to match the loan to title. For 6 months I provided requested information. I went in to a branch last fall to sign the new documents. AT ALL TIMES I WAS TOLD THIS WAS JUST FIXING THE PAPERWOR AND NO CHANGES WERE BEING MADE TO THE LOAN. They had me come back around XXXX of this year to sign even more documents. Then in late XXXX, XXXX again said he needed more documents signed. I was busy and couldn't get to it right away and XXXX said he needed them ASAP and would even come by and pick them up. So i went to sign but read the documents first. They attemped to MODIFY the note by adding in a PREPAYMENT penalty that was not in the original loan. This was stuck in the middle of a bunch of other RUSH signings. At no time was I told that they would be modifying the note. I responded that I would not sign the amendment because it was a fraudulent attempt to modify the note. They also have falsy reported negative information to the credit bureaus. I tendered payment in full and on time. But UNKNOWN to me, they changed the loan number. And US BANK rejected my payment. This was discovered and corrected. But they not only reported a late payment ( wrongly ) but they haven't fixed it and now there are 60 day late payments. My credit score dropped almost XXXX points and i was denied credit ( this is how i found out ). And this doesn't even begin to relate a separte major screw up on their credit card/banking side that took me 9 months and cost my thousands just to get them to fix their problem. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused. Another Complaint : US Bank credit card reps ignored mutliple direct demands not to withdraw money out of a closed account because there was no money in the account. They did it anyway causing an overdraft. US Bank credit card side DOES NOT COMMUNICATE AT ALL to their banking side. I spent over XXXX hours on the phone on multiple occasions, went in to TWO branch offices and was ALWAYS told that they would take care of it. NO ONE DID ANYTHING. But of course i got multiple threatening letters telling me i had to pay it. I wrote emails and letters to branch managers and regional managers before i got this taken care of. AND I STILL HAD TO PAY THEM MONEY I DIDN'T OWE THEM! And this isn't 1/10 of what i had to go through. Complete incompetence at every level. They simply ignored me and demanded that i pay them. And now I HAVE TO SPEND MY TIME FIXING THEIR PROBLEM. XXXX has gone SILENT. He hasn't responded to my communications. They are ignoring the problem they caused, AGAIN

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7062251

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Banking errors

Company: U.S. BANCORP

Complaint: 1. Signed up, opened the business checking account as a sole proprietor and enrolled in mobile banking, with the promotional offer XXXX, which offered {$500.00} bonus for those depositing new funds of {$3000.00} to the account. 2. On XX/XX/2023, it was opened successfully with a funding deposit of {$100.00}. Thereafter, depositing {$3000.00} on the account on XX/XX/2023. 3. Left money for over 60 days on the account to meet stipulations. Withdrew the money on XX/XX/2023. 4. Called 30 days post all requirements ( including code being entered correctly while opening the account ) being completed since my offer still was not credited. 5. Representatives XXXX and XXXX have both verified that the offer requirements were fulfilled ( not sure when the phone conversations took place ) and one of them escalated this to the promotional offer department. They should also have notes on the account, as between XXXX, I have called four times to get to the bottom of this situation. 6. As of XX/XX/2023, nobody from the promotional department or from US bank has called me or shown accountability for this error and inconvenience.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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