Mortgage -- Trouble during payment process -- Complaint #4998090
Complaint Overview
Complaint ID: 4998090
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: VA mortgage
Issue: Trouble during payment process
State: Texas
ZIP Code: 76226
Date Received: 2021-12-10T12:00:00-05:00
Date Sent to Company: 2021-12-10T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American, Servicemember
Consumer Narrative
First : basic information, I complained to FDIC case # XXXX who forwarded the complaint on to the Consumer Finance Department. My complaint is against U.S. Bank Home Mortgage, address : XXXX XXXX XXXX XXXX, MN XXXX ; XXXX. I refinanced my VA loan XX/XX/XXXX with the understanding that I would be receiving the monies from the escrow account from U.S. Bank within 25-35 days of closing. I called the bank approximately XX/XX/XXXX to inquire about the funds. I was informed the check was mailed XX/XX/XXXX. Due to the XXXX holiday, I waited until XX/XX/XXXX to call again. I was quit upset I had not received it as this was part of the reason I had refinanced. The bank agent XXXX I talked to put in a cancellation on the check, and request to cut a new one on XX/XX/XXXX, and mail it to me. I requested the check to be delivered overnight, this was denied. I called back on XX/XX/XXXX. I requested to talk to a supervisor. To get to a supervisor I addressed XXXX, XXXX, then XXXX. I explained the lateness of the check, the hardship it has placed on me, and my request for either overnight or expedite mail. The response, We do not overnight checks, and this situation is not our fault. I did plea to the fact that since being an U.S. Bank customer, I was never late in payments ( I had automatic bank withdrawal ) and should the table be reversed, the bank would be charging me penalty interest and reporting me for late payment. XXXX suggested to take my issue to post office for lost mail. To date I still do not have monies due. Why am I held accountable for my debts and to pay on time as a single individual and yet industry is not? Next time can I say the check is in the mail and its not my fault?
Frequently Asked Questions
What is Complaint #4998090 about?
Complaint #4998090 was filed against U.S. Bancorp regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2021-12-10T12:00:00-05:00.
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 (Mortgage) 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.