Vehicle loan or lease -- Managing the loan or lease -- Complaint #5105248
Complaint Overview
Complaint ID: 5105248
Company: U.S. Bancorp
Product: Vehicle loan or lease
Sub-Product: Loan
Issue: Managing the loan or lease
Sub-Issue: Billing problem
State: Texas
ZIP Code: 787XX
Date Received: 2022-01-13T12:00:00-05:00
Date Sent to Company: 2022-01-13T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I recently got this loan with the first payment due at the end of XX/XX/2021. I made the payment timely. I then made an extra payment in early XXXX and enrolled in auto draft for all my subsequent payments due. I received a call on XX/XX/XXXX that my payment for XXXX was late. I told the representative that I was enrolled in auto pay and she said it takes over a month to start working automatically. How so when this is a major bank?? I said I would immediately make the payment online and some extra to get ahead. The online payment option did not work at all. It would not accept my payment and randomly deleted my bank account information only to have it reappear when continually trying to process a payment. I noted that the system was saying I owed double what was due with the XXXX due date ( over {$1400.00} ). I decided to just try and pay that anyway but couldn't even get that to process. I'm literally trying to pay more than is legally due on my contract. 24 hour customer service that is advertised on the website sends my call to a message that says the office is closed tonight. I want to pay my loan and they are making it impossible. I clicked on my account number to get the full number for this report and the website won't even load it now. This has been happening since the 10th and hold times for customer service during the day are over half an hour which I can't wait on because of my job. I'm tech savvy and have tried multiple devices and web browsers with the same result. They are intentionally setting me up for added fees and default. I work in finance and know this is not okay. Please help me pay my bill and make US Bank take the correct amount of money due. I have perfect credit and it better not be affected by this incompetent behavior by a major bank. I couldn't even email the bank in the contact section as it would not submit or enter the drop down selections. See attached images.
Frequently Asked Questions
What is Complaint #5105248 about?
Complaint #5105248 was filed against U.S. Bancorp regarding Vehicle loan or lease specifically about Managing the loan or lease. It was received by the CFPB on 2022-01-13T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.