U.S. Bank National Association Corporate

Complaint ID: 6397916

Product: Mortgage

Sub-Product: VA mortgage

Issue: Incorrect information on your report

Subissue: Account status incorrect

Company: U.S. BANCORP

Complaint: On XX/XX/2022, I canceled my application after 48 days ( application date : XX/XX/XXXX ). During that time period Loan Officer XXXX XXXX failed to complete the tasks required for the loan in a timely manner. The loan XXXXfficer referenced took 3 weeks alone to complete the request for an appraisal because she submitted the request with the incorrect address. It took escalating the matter, and another member of US Bank 's team to rectify the situation. Once that occurred an appraisal was completed in 2 days, On several occasions, XXXX failed to communicate with me and my team. XXXX would fail to answer calls or messages for days at a time from both myself and my realtor. I often would call her multiple times per day and follow up with emails and still not receive any sort of communication or feedback. Over the course of working with her, XXXX also provided me with blatantly incorrect information. She would often justify her incompetence by citing " these are the VA requirements ''. After several requests for information, I ended up having to double-check all of her work with the Regional VA office , and they would tell me that the VA had no such requirement. XXXX knew full well that I was in communication with the VA regional office, and continued to lie about the VA requirements for the loan. Her repeated requests for irrelevant information resulted in my closing date being extended 3 times. After weeks of her incompetence, I decided to switch banks and notified XXXX that I would be canceling my loan application. From application to approval with a new institution, the entire process took 10 DAYS. US Bank has now lost a customer and I will not recommend anyone use US Bank because of the issues I have gone through. I would like to have my file reviewed and have the " denial '' removed from my file completely. The file needs to reflect that I canceled this request for a loan after WEEKS of incompetence by XXXX on behalf of US Bank.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6397913

Product: Mortgage

Sub-Product: FHA mortgage

Issue: Trouble during payment process

Subissue:

Company: U.S. BANCORP

Complaint: US Bank Home Mortgage- I was approved through the HAF program for past due payment and 6 months of forward payments. I received my past due XX/XX/2022 and XXXX payment XX/XX/2022. I have not received XXXX payment. The HAF program says they sent XXXX payment and has now sent XXXX payment and US Bank are saying they have received nothing. Please help.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6397632

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: Hi I closed my US bank checking account on XXXX XXXX. I was told a check would be mailed to me with the remaining balance in the account. I waited for almost a month and the check never arrived. So I contacted the bank early XXXX to inform them that the check went missing and the rep I spoke to requested a form to be mailed to me. I then need to fill out and notarize the form and then mail it back so they can issue a new check. I waited for another month and the form never arrived. We verified many times that the address I have on file is correct. So I contacted the bank again at least three times last and this week and even spoke to a supervisor trying to get this resolved asap. But everytime there was no resolution and when they told me they would call me back, never called. They could not find the same person I spoke to in their system so I had to keep repeating myself everytime I called. I have never received any status update from the bank whatsoever. It has been really frustrating to not be able to get my funds back since XXXX last year.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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