Mortgage -- Trouble during payment process -- Complaint #5233860
Complaint Overview
Complaint ID: 5233860
Company: U.S. Bancorp
Product: Mortgage
Sub-Product: Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process
State: Washington
ZIP Code: XXXXX
Date Received: 2022-02-17T12:00:00-05:00
Date Sent to Company: 2022-02-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After submitting a complaint with cfpb about the automated harassment emails and calls -- from numbers ( XXXX ) XXXX, ( XXXX ) XXXX, and ( XXXX ) XXXX -- I received a response through you all in which US Bank described that activity the following way : -- - " During a deferment, collection practices and monthly mortgage statements are still issued with the intended reason to keep the customer informed. Notices can be computer generated and during the forbearance process, our system of record is not updated until the deferment is completed. If you have any specific notice or statement about which you would like further clarity, you may contact the XXXX department or the XXXX XXXX XXXX for further research. '' " Please accept our apology for any frustration you experienced with the customer service provided. We strive to provide superior service and we regret if you feel that we fell short in this instance. '' -- - Now, my statement on the app has XXXX transactions, reflecting a transfer of {$2000.00} from XXXX XXXX XXXX that is back-dated to XX/XX/XXXX, moving from one principal balance ( with a higher rate, as if they were doing me a favor ), to a principal balance to a lower rate. The transaction does not appear on any statement I have, and it appears they say the transaction happened in XXXX, when I still had electronic statements ( conveniently ). But the account has payments dating from XX/XX/XXXX and XXXX of XXXX, and those principal balances do not even show any interest having accrued on the amount that was " transferred '' in XX/XX/XXXX -- it's clear they robbed me of {$2000.00} and used the apparent lack of statement records available online ( I do keep paper copies ) to hide the evidence, with a backdated transaction that generated no interest at all over XXXX months.
Frequently Asked Questions
What is Complaint #5233860 about?
Complaint #5233860 was filed against U.S. Bancorp regarding Mortgage specifically about Trouble during payment process. It was received by the CFPB on 2022-02-17T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with 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 (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.