U.S. Bank National Association Corporate

Complaint ID: 6674832

Product: Checking or savings account

Sub-Product: Other banking product or service

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: U.S. BANCORP

Complaint: I sent money through XXXX and was scammed.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6674554

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

Sub-Product: Credit reporting

Issue: Incorrect information on your report

Subissue: Account information incorrect

Company: U.S. BANCORP

Complaint: On XXXX XXXX XXXX I submitted complaint number XXXX against US Bank regarding a fraudulent mortgage account being opened in my name, US Bank has subsequently marked that mortgage charged off as bad debt, refusal to apply my payments correctly, refusing to correct errors regarding the deed to my home and adding my wife as instructed and agreed upon prior to closing, our mortgage representative 's refusing to stop the closing and instead she insisted I violate the terms of my contract by filing a Quit Claim Deed knowing the terms clearly state I would be subjected to a mortgage acceleration, their refusal to compensate me for the fees I paid to record the deed and include my wife, they do not hold title to my home and blatantly refuse to take any action ( s ) to locate it, telling my wife and I it was our problem and to contact our county to locate it, closing on my mortgage without having insurance on the property. Which we didn't know about until our agent contacted us in XXXX asking for specifics on our home so he could give that information to underwriting to complete the policy. Now, our escrow is for the amount of {$1700.00} yet our annual premium is {$120.00} less. US Bank refuses to lower my monthly payment accordingly and refuse to issue the {$120.00} escrow overage I will pay each year. Yet, I am forced to honor a contract for a home to which I will never hold a title as XXXX XXXX does not hold the title nor does the seller nor does US Bank. No one knows where this title is and no one will do anything to locate it. As of today XX/XX/XXXX they have clearly and undeniably retaliated after receiving the initial complaint by way of reporting this mortgage to all three credit bureaus four full months after closing, maliciously omitting and/or falsifying my payment history causing yet another negative detriment to my credit score. US Bank reported to XXXX that I made a payment in XXXX XXXX Not only did I not make a payment in XX/XX/XXXX, as contractually my first payment was not due until XX/XX/XXXX, but they have reported the payment was short in excess of {$160.00}. They failed to report any subsequent payments with the exception of XXXX XXXX XXXX To any potential lenders, this would appear that I made a partial ( very first ) payment in XX/XX/XXXX, failed to pay for the months of XXXX, XXXX or XXXX, causing my credit file to reflect a negative payment history. As of today XX/XX/XXXX US Bank reported my mortgage account to XXXX and XXXX and failed to report any payment history whatsoever. I have disputed this information with all three credit reporting agencies. Thankfully, my wife is seasoned in credit and finance with a 23 year finance manager portfolio, which prompted her to obtain copies of all three of my credit files, immediately after I submitted the first complaint. Neither of the three credit files reported a mortgage with US Bank. It was not reported until today XXXX XXXX XXXX This is clearly a malicious retaliation from US Bank and a deliberate action to further the detriment they have caused to my credit score.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6673940

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Deposits and withdrawals

Company: U.S. BANCORP

Complaint: On XX/XX/ my checking account at US Bank was frozen. I did not know this until Friday XX/XX/XXXX when I tried to use my card and it was declined. After it was declined I looked at the US Bank app on my phone and it showed there was {$1000.00} in the account. The {$50.00} of gas I was trying to buy should have been more than covered. I had opened this new account on XX/XX/XXXX right after I had moved to XXXX XXXX. When I was opening the account I was telling the guy helping me that XXXX, XX/XX/XXXX, I was getting on a plane to go see family in Alabama. The guy helping me open the account showed me how to go into the banking app and schedule me being out of town and where I would be so the system wouldn't be triggered by out of town purchases. All that got set up and I went out of town. I made purchases with the new card and things went smooth until my card was declined on XX/XX/XXXX. That morning, as I was 5 states away from the branch I had opened the account at, I called customer service to ask why my card wasn't working. I was told they needed proof of my new address because my driver 's license and address I had put on the account didn't match. The customer service person on the phone said I needed to physically bring the bank a piece of mail with my new address printed on it. I explained that I was 5 states away and not able to get to my mailbox and provide that until I got home. They would not work with me and the lady on the phone said the department putting the freeze on it didn't have anyone 's name attached to it or a phone number she could call or give me to call. Just an email address. Nobody local had any power over this. My plane landed in XXXX XXXX on the evening of XX/XX/XXXX. On XX/XX/XXXX I took my mail in there so they could see it. At this point I just wanted my money out and to close the account. The person who helped me sorted through the mail and said only one piece was usable because the other pieces had been forwarded to the address. He scanned and uploaded the piece of mail that worked and then told me it would be 48 hours before I could get my money. I moved to XXXX XXXX from XXXX, XXXX and had one last carload of stuff left to get from XXXX and XXXX XXXX XXXXXX/XX/XXXX drove down to XXXX to get it from my friend 's house. I spent the night with my friend and the morning of XX/XX/XXXX I walked into the local US Bank in XXXX and tried to get my money out and close the account since 48 hours has now passed. I was told they couldn't give me my money and the account was still frozen pending proof of address verification. I told them I had turned everything in to the branch in XXXX XXXX two days earlier on Tuesday. All I want at this point is to get my money and close the account. The US Bank branch in XXXX was unable to release my funds because of this hold for address verification. I didn't have my mail with me because people normally don't travel with mail to prove their address. US Bank was fine with me for two weeks banking and using my card without this address proof but now that I have provided it they are still holding my funds. I left the XXXX branch an hour ago still without access to my money. Moving is expensive and stressful without a bank acting this way. I want my money and my account to be closed. US Bank 's behavior is dangerous and falls into the category of harassment and is probably illegal.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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