Vehicle loan or lease -- Problem with a company's investigation into an existing problem -- Complaint #11822399
Complaint Overview
Complaint ID: 11822399
Company: U.S. Bancorp
Product: Vehicle loan or lease
Sub-Product: Lease
Issue: Problem with a company's investigation into an existing problem
Sub-Issue: Their investigation did not fix an error on your report
State: California
ZIP Code: 930XX
Date Received: 2025-01-28T12:00:00-05:00
Date Sent to Company: 2025-01-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
During COVID I setup automatic payments with US Bank on my loans over the phone ( kind of incredible that a company this size did not have the option to setup automatic payments on their website ), and in that process they did not collect the first month payment. I was not notified except when I was told it was past 30 days late. I have had loans since I was XXXX and I am XXXX now, this is the ONLY payment in my entire life that has been late. I contacted the company 3 times to ask for the late payment to be removed and they did not do it even though it was their fault in not setting up the automatic payments correctly. Even worse, this was during the peak of COVID when this same bank was allowing people to completely miss making payments on their loans. Yet I continued to make payments and they had the nerve to do this to me. I feel worthless when trying to talk to a company this big. Banks should have been broken up after XXXX so we could get some service. Humans not robots!
Frequently Asked Questions
What is Complaint #11822399 about?
Complaint #11822399 was filed against U.S. Bancorp regarding Vehicle loan or lease specifically about Problem with a company's investigation into an existing problem. It was received by the CFPB on 2025-01-28T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Vehicle loan or lease) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.