April 1st 2014 began major issues with US Bank and its consituents. Two fees promised to be resolved and reversed as per a resolution specialist of US Bank did not happen amounting to $72 todate. April 3, 2014 branch office banker transacted 3rd party cash deposit ( a sizeable sum) into a cash withdraw debit against my account. I was not aware of this due to direct deposits and cash advances added into account at the same time or it would have immediately overdrawn my account for the amount transacted; instead it got covered up and not discovered until September 24, 2014 as per bank statement which revealed copy of withdraw slip (no withdraw signature) Just a few days forward I was in overdraft status not knowing what had happened. So many challenges and issues going on the same time but the overdraft grew in amount due to missing deposit, funds withdrawn by US Banker plus fees added on going.
I did everything I could to cover the amount of overdraft of almost $900 but situation basically put me out into the street having to borrow and borrow to remain in hotels, not knowing I had been "ripped off" by US Bank. My mail went to L A address and therefore was not even able to view incoming bank statements which took months for me to be able to retrieve. I had no funds to cover remaining $242.00 and knew something was wrong but could not figure it out. I became very ill for over two weeks and had to put all else on hold.
Two sets of documents were fed-xed from branch office to corporate Minnesota and todate claim never received. Faxed at least 27 pages of documentation to corporate level CCU but very little transpired; only asked me for additional letter from vendor who was on vacation and refused to be bothered in sending a second one for verification. I never got the bank fees reversed and on top of that the deposit not credited, only debited. Discovered huge wrongful transaction after reviewing older bank statement September 24, 2014 immediately reporting it to US Bank Branch Office; fraud liason department instructed me to file a police report and that situation took me 4 days to accomplish due to much mis-information from US Banking agents. They ran me ragged.
Finally got the paperwork completed, went back to transacting branch office and it was interbranched and faxed to corporate level and it has been a huge case of denial on US Banks part ever since with twisted facts and even outrageous lies in letter form as well as verbal. They told me a provisional credit would be applied for the withdraw which never happened and the branch office was to provide provisional credit for deposit but I was denied no matter how many times I asked via instructions from fraud liasson themselves. Even their own disclosures revealed the provisional entitlement since it was taking US Bank over 10 days to complete investigation which they never even sent me a letter on, not until I was at wits end reporting them and filing claims through FTC Consumer Protection Bureau. However, the response was still full of holes and denials of the facts.
They did everything to circumvent the facts and denied my claim for return of funds and fees not to forget the unsurmountable levels of stress, costs and punitive damages. Put the account into charge off status after I closed the account myself to avoid further fees on May 30, 2014 of which even that they deny. US Bank states in their letter I did not voluntarily close the account myself. Absolute denial and outrageous lie again. I have the transaction proof sheet and they did not charge off/close the account until June 19th 2014 of which they added another $30 charge for bringing total to $273.
They also lied about what the camera tape showed at transacting branch office; claimed it was me making the bank transaction with dark sunglasses but was able to identify me. Yet I had receipts showing I was in the next town over of Ventura at hotels with paid receipts same time of day 3rd party made deposit. I also have deposit copy slips that show it was the same person making other previous cash deposits. Proof that it was not even my handwriting on the withdraw slip and I was not at that branch office; they did not even know me until I filed the police report and forms for investigation.
The account went into recovery collections after June 19th 2014 and I continued all communications; recovery offered me a reduced deal; I refused. As of October 14, 2014 United Recovery Collections closed the discharged account and sent it back to US Bank after receiving numerous letters from me; yet I remained in Chex Systems all along. Recently after sending several letters and documentation of proof to Chex Systems they did an investigation and sent me a verification letter of being removed from Chex Systems January 27, 2015. But only a week later, I discovered US Bank renewed my bank account back into Chex Systems unjustifyingly and this again has caused me many set backs and blocks to move forward in my struggling life and finances. I did, however, provide a letter of dispute with Chex Systems to be place with my file. The battle rages on. The war is not over. I have every intention at this point to keep working with FTC Consumer Protection Bureau and legal law suit against US Bank.
I have suffered unbearably from US Bank scandulous actions, denials and accusations but I will move forward in proceeding of legal actions as necessary which I should have done long ago; I gave them every chance, every benefit of the doubt in resolving the issues fairly and over-tolerantly in terms of time. I can wait no longer and wlll pursue every course of action necessary.
I had to switch my home insurance to a new company as my old insurance company decided to leave my state. So, I got new insurance and paid for it out of my pocket as soon as I signed up. So far so good. About a week later, I get a nasty letter from U.S. Bank telling me that they put an expensive insurance policy on my account that I will have to pay for unless I send them proof of my new insurance (which I verified with my new insurance company that they already sent out proof of insurance). But, I had them do it again per U.S. Bank’s request. Then, about a week later, I get an email stating that U.S. Bank paid my insurance – the new insurance that I already paid in full when I signed up. So, I call them up. First, I was lied too and told that my new insurance company sent them a bill – not proof of insurance – which was a straight out lie as I have a copy of what they sent (it was not a bill).
Then, when I asked them to put that money back into my escrow account – they said they couldn’t – that I was just out of luck (out of luck from their own incompetence). Then, after escalating this to a senior call representative (who had to be the rudest person I have ever talked too) – I got them to stop payment on the check (which the first person said was impossible) and put that money back into my account. However, this took a lot of time – a lot of time on the phone trying to get them to do their jobs (several calls over several days) and a lot of time for them to actually do the right thing. However, in the mean time, my property taxes were coming due and since they incorrectly sent out an insurance payment – there was not enough money in my escrow to cover my property taxes.
Thus, I went down – like a responsible person – and paid my property taxes on my own as there would not be enough money in my escrow to pay it. But, when U.S. Bank finally put the wrongly paid insurance payment back into my escrow account, they then tuned around and paid my property taxes (which were no longer due as they were already paid). So, I had to call U.S. Bank again – and again got an extremely rude person who told me that they verified that my taxes were due (a complete lie as I was looking at a receipt stating that my taxes were paid in full). I then asked them to put that money back into my account – U.S. Bank refused. I then asked to be escalated to a senior call representative. And, I got another rude person – was only told that her name was Amy – would not provide a last name or even a last initial. I then asked to be transferred to a supervisor – who again was very condescending and rude (her name was Kathy Phelps).
Not only did she tell me they would do nothing about their mistake (even though she confirmed that they never verified anything) and that I was just out of luck regarding my own money and that it should make its way back to either me or them eventually (eventually). I then asked her to escalate this situation to the next level. But, she refused. First, she said that if I got any madder, I would have a heart attack (I guess I am not suppose to get upset when they are wasting my money) Then, she kept saying over and over again that she was the last person, that she was the top person in all of U.S. Bank – that there was no other above her (so, I guess she is the CEO, Chairman, president, etc. of all of U.S. Bank) – at this point I gave up and will just prey that my money gets back to either me or my escrow eventually (maybe by the time my taxes are due again next year – maybe?).
So, two conclusions from my own personal observations:
1) U.S. Bank’s personnel – especially their customer service people – are either poorly trained, incompetent or they just do not care about customers (it is not their money they are playing with after all). And, too that note,
2) They seem to have no concern about your or my or their customer’s money – it is just numbers on a computer screen to them and if they make a mistake with your money – they do not care – at all.
Lastly, looking back even on the very first time I called U.S. Bank – they answered the phone in a mad and rude manner. It must be that they screw up so much that every call they get turns out to be a screaming match.
Think they would be better off if they just did their jobs properly – that is what I am paying them to do after all.
Conclusion – if you can, stay away from U.S. Bank as your life will be better for it (way too many financial institutions out there that actually want and will earn your business plus it is so easy to switch these days) and if you can’t – like me as I cannot fire my escrow company – then know that over the life of your home loan, U.S. Bank will make your life hell while you continue to pay at least 1% of your hard earned monthly interest to them just for the privilege of being treated badly by them.
Be warned about visa gift debit cards. A complete ripoff from the banks to steal your money. I had one that I had recieved but had not used. When I got around to using it it had a whooping $6 dollars left on it. Somebody paid for that and meant it as a gift, well surprise ,surprise , the banks figured out a way to make it a gift to themselves. As always the bigshots screw you!!!I hope a lot of people are getting as mad as me, I say find them and hang them right in front of thier famlies. This whole economy is no longer a fair trade practice just bigshots ripping people off and writing about it will not change it. Find these crooks and make them pay!!!
US Bank Mastercard Gift Cards are a total rip-off. When going to a gas pump they hold $99.00. I made the mistake of unknowingly making some kind of mistake whilst at the pump and they held $99 the first time and with in about 10 seconds (literally) I made another mistake and they held an additional $74.
I called the customer service center and they told me there was nothing they could do and I that I had to go back to the gas station and have them call their Merchant Center to have the charges reversed. I did exactly that and the person at the Merchat Center reassured me that the reverses had gone through. I wait a day to give them time and called the phone number listed on the back of the gift card. The first young woman with whom I spoke was no help, did not understand the problem and was very hesitant to put me through to her supervisor. I asked to be put through and had to wait about 10 minutes to get to the "supervisor". could still here the same young woman in the background. She had moved on to other calls; calls with the exact same complaint as mine. Chris "the supervisor" was no help. He told me that there was nothing I could do and repeated endlessly that if there was a mistake made somewhere in the process I would not get my money back for at least 10 days. That was new information. He was no help. I asked to be put through to his supervisor and he informed me that the only way I could speak to a supervisor was to give him my name and telephone number and to wait 3 - 5 days for a response.
I am quite certain that all they need to do is to push some button and poof my money will be back in my account. The Gas Station, the Merchant Center, and I followed their directions to a T and yet nothing has come of it. The gift card people are holding my money, will not release it, and are tossing blame everywhere else.
I cannot strongly enough urge that no one ever use these cards.
Recently I received a final foreclosure order from the court. I am to vacate the premises on or before June 5, 2014. US Bank has engaged in a number of deceptive as well as fraudulent business practices. In fact, US Bank is directly responsible for this foreclosure.
In particular, I am seeking a remedy. My request is time sensitive. The details are as follows.
After obtaining my mortgage in 2008 I was paying a mortgage payment of about $1500.00. Later I received a letter from the bank telling me that they somehow failed to pay the real estate taxes on my constructed home. Only the land taxes were paid. I received an unmanageable tax bill. At the time my debt and income could not support the large bill. I contacted your bank and asked for the payments to be spread out. I was denied.
In 2009 I had a house fire. My insurance company paid over $50,000 to make the repairs. I contacted the bank to ask if I could do some of the repairs myself. The loss mitigation department agreed and I was told that an inspection would be done to satisfy that the repairs were done correctly, after which the remaining insurance monies would be returned to me. I commenced with the repairs as did the other contractors. All repairs were completed and an inspection was done and approved by a man named Corey. Many months later I was still trying to collect the money. I was told that there was no record of an inspection. A second inspection was done and approved. I was still unable to get the bank to release the money after countless phone calls. This went on for many months.
My mortgage payments fell behind. I contacted the bank over and over again. Finally I got the bank to agree to allow me to apply the monies to my arrears as I really wanted to keep the house. Again the funds were never released. I called and begged ad nauseam. At some point, within the past two years, a man who identified himself as Omotoya took over my case in the loss mitigation department. His phone number is 855-698-7627 extension 4183063. Mr. Omotoya left messages on my cell phone regularly. I would call him back and leave a message, none of which were ever returned. I would get absurd computer generated letters asking me if the repairs were completed. This is still happening. In fact I recently, within the week, I got a call from the loss mitigation department (now some five years later) asking me if I had a release form from a certain paint contractor. I was astounded. Everything was turned in and two inspections were done over four years ago.
Over the past six months I was offering to re-purchase the home as my debt was greatly reduced and my income was about to increase. Again I offered to use the insurance monies toward a down payment. I was never contacted.
It is very clear that US Bank made no effort whatsoever to work with me on retaining this house. Instead I was offered lip service and false promises to look into my inquiries. This is a very sad state of affairs for people who are trying not to lose their homes.
I am formally asking for a settlement in order to avoid more stress. My mental health and physical health have suffered considerably as a consequence of the conduct of US Bank. I ask US Bank to return of all the left over insurance monies and that the foreclosure be removed from my credit record. My damages are far more than this offer.
If this cannot be resolved I will seek new counsel to pursue charges against the bank. I will construct a web site to determine if other people have been victimized in a similar way. Perhaps a class will develop. Further I will seek redress through my legislators. I simply can’t believe that I am the only person that this has happened to.
Please accept this letter in the spirit for which it is intended. I am not trying to bully or threaten the bank. I simply want a fair and reasonable resolution. My life has been turned upside down.
Please respond within 30 days from the date of this letter.
I paid the amount on my staement to pay-off the loan and it turned out to be $0.16 over and the bank is pretty much saying that they will not return it because it's under $1. I've had enough from banks ripping people off so I filed complaints with the following agencies/sites.
I received a MasterCard gift card from my place of work for $100. I was over-joyed. Then I tried to use it. The store told me there was no money on the card. Calling the card company I discovered they were NOT MasterCard, but actually U.S. Bank National Association. They license the MasterCard logo from MasterCard but are NOT MasterCard. They said there was no money ever deposited on this card and I needed to go to the vendor who sold the card. Not it's a GIFT CARD so I had to go to my boss and ask for a receipt for the gift card. I got the receipt, and then called the vendor, Pavilions (aka Safeway, aka Vons). They said that without an "activation slip" they could not do anything about it. I asked my boss for the activation slip, and they had no recollection of such a slip. Actually, it was my boss's daughter who purchased the card, along with 13 other gift cards. I called both the card company and Pavilions and it turns out neither claims responsibility for the $100 transaction plus the processing fee of $4.95.
So, my boss threw out $100 cash plus the processing fee, and recieved a worthless piece of plastic, and I might add a disappointed, upset, and frustrated employee.
Moral of the Story: Don't buy gift cards, they are a scam, just give cash or actual gifts. Most of the gift cards purchased and given just sit in wallets and purses forgotten until the money is gone due to the $2.00 inactivity service charge they put on the account. Also, when I got the receipt, it turns out my boss's daughter purchased the card over a year ago so it was no longer worth $100 even if it had been activated.
U.S. Bank Reviews
April 1st 2014 began major issues with US Bank and its consituents. Two fees promised to be resolved and reversed as per a resolution specialist of US Bank did not happen amounting to $72 todate. April 3, 2014 branch office banker transacted 3rd party cash deposit ( a sizeable sum) into a cash withdraw debit against my account. I was not aware of this due to direct deposits and cash advances added into account at the same time or it would have immediately overdrawn my account for the amount transacted; instead it got covered up and not discovered until September 24, 2014 as per bank statement which revealed copy of withdraw slip (no withdraw signature) Just a few days forward I was in overdraft status not knowing what had happened. So many challenges and issues going on the same time but the overdraft grew in amount due to missing deposit, funds withdrawn by US Banker plus fees added on going.
I did everything I could to cover the amount of overdraft of almost $900 but situation basically put me out into the street having to borrow and borrow to remain in hotels, not knowing I had been "ripped off" by US Bank. My mail went to L A address and therefore was not even able to view incoming bank statements which took months for me to be able to retrieve. I had no funds to cover remaining $242.00 and knew something was wrong but could not figure it out. I became very ill for over two weeks and had to put all else on hold.
Two sets of documents were fed-xed from branch office to corporate Minnesota and todate claim never received. Faxed at least 27 pages of documentation to corporate level CCU but very little transpired; only asked me for additional letter from vendor who was on vacation and refused to be bothered in sending a second one for verification. I never got the bank fees reversed and on top of that the deposit not credited, only debited. Discovered huge wrongful transaction after reviewing older bank statement September 24, 2014 immediately reporting it to US Bank Branch Office; fraud liason department instructed me to file a police report and that situation took me 4 days to accomplish due to much mis-information from US Banking agents. They ran me ragged.
Finally got the paperwork completed, went back to transacting branch office and it was interbranched and faxed to corporate level and it has been a huge case of denial on US Banks part ever since with twisted facts and even outrageous lies in letter form as well as verbal. They told me a provisional credit would be applied for the withdraw which never happened and the branch office was to provide provisional credit for deposit but I was denied no matter how many times I asked via instructions from fraud liasson themselves. Even their own disclosures revealed the provisional entitlement since it was taking US Bank over 10 days to complete investigation which they never even sent me a letter on, not until I was at wits end reporting them and filing claims through FTC Consumer Protection Bureau. However, the response was still full of holes and denials of the facts.
They did everything to circumvent the facts and denied my claim for return of funds and fees not to forget the unsurmountable levels of stress, costs and punitive damages. Put the account into charge off status after I closed the account myself to avoid further fees on May 30, 2014 of which even that they deny. US Bank states in their letter I did not voluntarily close the account myself. Absolute denial and outrageous lie again. I have the transaction proof sheet and they did not charge off/close the account until June 19th 2014 of which they added another $30 charge for bringing total to $273.
They also lied about what the camera tape showed at transacting branch office; claimed it was me making the bank transaction with dark sunglasses but was able to identify me. Yet I had receipts showing I was in the next town over of Ventura at hotels with paid receipts same time of day 3rd party made deposit. I also have deposit copy slips that show it was the same person making other previous cash deposits. Proof that it was not even my handwriting on the withdraw slip and I was not at that branch office; they did not even know me until I filed the police report and forms for investigation.
The account went into recovery collections after June 19th 2014 and I continued all communications; recovery offered me a reduced deal; I refused. As of October 14, 2014 United Recovery Collections closed the discharged account and sent it back to US Bank after receiving numerous letters from me; yet I remained in Chex Systems all along. Recently after sending several letters and documentation of proof to Chex Systems they did an investigation and sent me a verification letter of being removed from Chex Systems January 27, 2015. But only a week later, I discovered US Bank renewed my bank account back into Chex Systems unjustifyingly and this again has caused me many set backs and blocks to move forward in my struggling life and finances. I did, however, provide a letter of dispute with Chex Systems to be place with my file. The battle rages on. The war is not over. I have every intention at this point to keep working with FTC Consumer Protection Bureau and legal law suit against US Bank.
I have suffered unbearably from US Bank scandulous actions, denials and accusations but I will move forward in proceeding of legal actions as necessary which I should have done long ago; I gave them every chance, every benefit of the doubt in resolving the issues fairly and over-tolerantly in terms of time. I can wait no longer and wlll pursue every course of action necessary.
I had to switch my home insurance to a new company as my old insurance company decided to leave my state. So, I got new insurance and paid for it out of my pocket as soon as I signed up. So far so good. About a week later, I get a nasty letter from U.S. Bank telling me that they put an expensive insurance policy on my account that I will have to pay for unless I send them proof of my new insurance (which I verified with my new insurance company that they already sent out proof of insurance). But, I had them do it again per U.S. Bank’s request. Then, about a week later, I get an email stating that U.S. Bank paid my insurance – the new insurance that I already paid in full when I signed up. So, I call them up. First, I was lied too and told that my new insurance company sent them a bill – not proof of insurance – which was a straight out lie as I have a copy of what they sent (it was not a bill).
Then, when I asked them to put that money back into my escrow account – they said they couldn’t – that I was just out of luck (out of luck from their own incompetence). Then, after escalating this to a senior call representative (who had to be the rudest person I have ever talked too) – I got them to stop payment on the check (which the first person said was impossible) and put that money back into my account. However, this took a lot of time – a lot of time on the phone trying to get them to do their jobs (several calls over several days) and a lot of time for them to actually do the right thing. However, in the mean time, my property taxes were coming due and since they incorrectly sent out an insurance payment – there was not enough money in my escrow to cover my property taxes.
Thus, I went down – like a responsible person – and paid my property taxes on my own as there would not be enough money in my escrow to pay it. But, when U.S. Bank finally put the wrongly paid insurance payment back into my escrow account, they then tuned around and paid my property taxes (which were no longer due as they were already paid). So, I had to call U.S. Bank again – and again got an extremely rude person who told me that they verified that my taxes were due (a complete lie as I was looking at a receipt stating that my taxes were paid in full). I then asked them to put that money back into my account – U.S. Bank refused. I then asked to be escalated to a senior call representative. And, I got another rude person – was only told that her name was Amy – would not provide a last name or even a last initial. I then asked to be transferred to a supervisor – who again was very condescending and rude (her name was Kathy Phelps).
Not only did she tell me they would do nothing about their mistake (even though she confirmed that they never verified anything) and that I was just out of luck regarding my own money and that it should make its way back to either me or them eventually (eventually). I then asked her to escalate this situation to the next level. But, she refused. First, she said that if I got any madder, I would have a heart attack (I guess I am not suppose to get upset when they are wasting my money) Then, she kept saying over and over again that she was the last person, that she was the top person in all of U.S. Bank – that there was no other above her (so, I guess she is the CEO, Chairman, president, etc. of all of U.S. Bank) – at this point I gave up and will just prey that my money gets back to either me or my escrow eventually (maybe by the time my taxes are due again next year – maybe?).
So, two conclusions from my own personal observations:
1) U.S. Bank’s personnel – especially their customer service people – are either poorly trained, incompetent or they just do not care about customers (it is not their money they are playing with after all). And, too that note,
2) They seem to have no concern about your or my or their customer’s money – it is just numbers on a computer screen to them and if they make a mistake with your money – they do not care – at all.
Lastly, looking back even on the very first time I called U.S. Bank – they answered the phone in a mad and rude manner. It must be that they screw up so much that every call they get turns out to be a screaming match.
Think they would be better off if they just did their jobs properly – that is what I am paying them to do after all.
Conclusion – if you can, stay away from U.S. Bank as your life will be better for it (way too many financial institutions out there that actually want and will earn your business plus it is so easy to switch these days) and if you can’t – like me as I cannot fire my escrow company – then know that over the life of your home loan, U.S. Bank will make your life hell while you continue to pay at least 1% of your hard earned monthly interest to them just for the privilege of being treated badly by them.
Be warned about visa gift debit cards. A complete ripoff from the banks to steal your money. I had one that I had recieved but had not used. When I got around to using it it had a whooping $6 dollars left on it. Somebody paid for that and meant it as a gift, well surprise ,surprise , the banks figured out a way to make it a gift to themselves. As always the bigshots screw you!!!I hope a lot of people are getting as mad as me, I say find them and hang them right in front of thier famlies. This whole economy is no longer a fair trade practice just bigshots ripping people off and writing about it will not change it. Find these crooks and make them pay!!!
US Bank Mastercard Gift Cards are a total rip-off. When going to a gas pump they hold $99.00. I made the mistake of unknowingly making some kind of mistake whilst at the pump and they held $99 the first time and with in about 10 seconds (literally) I made another mistake and they held an additional $74.
I called the customer service center and they told me there was nothing they could do and I that I had to go back to the gas station and have them call their Merchant Center to have the charges reversed. I did exactly that and the person at the Merchat Center reassured me that the reverses had gone through. I wait a day to give them time and called the phone number listed on the back of the gift card. The first young woman with whom I spoke was no help, did not understand the problem and was very hesitant to put me through to her supervisor. I asked to be put through and had to wait about 10 minutes to get to the "supervisor". could still here the same young woman in the background. She had moved on to other calls; calls with the exact same complaint as mine. Chris "the supervisor" was no help. He told me that there was nothing I could do and repeated endlessly that if there was a mistake made somewhere in the process I would not get my money back for at least 10 days. That was new information. He was no help. I asked to be put through to his supervisor and he informed me that the only way I could speak to a supervisor was to give him my name and telephone number and to wait 3 - 5 days for a response.
I am quite certain that all they need to do is to push some button and poof my money will be back in my account. The Gas Station, the Merchant Center, and I followed their directions to a T and yet nothing has come of it. The gift card people are holding my money, will not release it, and are tossing blame everywhere else.
I cannot strongly enough urge that no one ever use these cards.
Letter I wrote to US Bank Association
April 1, 2014
Regarding: Loan Number xxxxxxxxxx
To Whom It May Concern:
Recently I received a final foreclosure order from the court. I am to vacate the premises on or before June 5, 2014. US Bank has engaged in a number of deceptive as well as fraudulent business practices. In fact, US Bank is directly responsible for this foreclosure.
In particular, I am seeking a remedy. My request is time sensitive. The details are as follows.
After obtaining my mortgage in 2008 I was paying a mortgage payment of about $1500.00. Later I received a letter from the bank telling me that they somehow failed to pay the real estate taxes on my constructed home. Only the land taxes were paid. I received an unmanageable tax bill. At the time my debt and income could not support the large bill. I contacted your bank and asked for the payments to be spread out. I was denied.
In 2009 I had a house fire. My insurance company paid over $50,000 to make the repairs. I contacted the bank to ask if I could do some of the repairs myself. The loss mitigation department agreed and I was told that an inspection would be done to satisfy that the repairs were done correctly, after which the remaining insurance monies would be returned to me. I commenced with the repairs as did the other contractors. All repairs were completed and an inspection was done and approved by a man named Corey. Many months later I was still trying to collect the money. I was told that there was no record of an inspection. A second inspection was done and approved. I was still unable to get the bank to release the money after countless phone calls. This went on for many months.
My mortgage payments fell behind. I contacted the bank over and over again. Finally I got the bank to agree to allow me to apply the monies to my arrears as I really wanted to keep the house. Again the funds were never released. I called and begged ad nauseam. At some point, within the past two years, a man who identified himself as Omotoya took over my case in the loss mitigation department. His phone number is 855-698-7627 extension 4183063. Mr. Omotoya left messages on my cell phone regularly. I would call him back and leave a message, none of which were ever returned. I would get absurd computer generated letters asking me if the repairs were completed. This is still happening. In fact I recently, within the week, I got a call from the loss mitigation department (now some five years later) asking me if I had a release form from a certain paint contractor. I was astounded. Everything was turned in and two inspections were done over four years ago.
Over the past six months I was offering to re-purchase the home as my debt was greatly reduced and my income was about to increase. Again I offered to use the insurance monies toward a down payment. I was never contacted.
It is very clear that US Bank made no effort whatsoever to work with me on retaining this house. Instead I was offered lip service and false promises to look into my inquiries. This is a very sad state of affairs for people who are trying not to lose their homes.
I am formally asking for a settlement in order to avoid more stress. My mental health and physical health have suffered considerably as a consequence of the conduct of US Bank. I ask US Bank to return of all the left over insurance monies and that the foreclosure be removed from my credit record. My damages are far more than this offer.
If this cannot be resolved I will seek new counsel to pursue charges against the bank. I will construct a web site to determine if other people have been victimized in a similar way. Perhaps a class will develop. Further I will seek redress through my legislators. I simply can’t believe that I am the only person that this has happened to.
Please accept this letter in the spirit for which it is intended. I am not trying to bully or threaten the bank. I simply want a fair and reasonable resolution. My life has been turned upside down.
Please respond within 30 days from the date of this letter.
Cordially.
I paid the amount on my staement to pay-off the loan and it turned out to be $0.16 over and the bank is pretty much saying that they will not return it because it's under $1. I've had enough from banks ripping people off so I filed complaints with the following agencies/sites.
Colorado Attornet General
Federal Reserve
Bureau Of Consumer Financial Protection
RipOffReport.com
I received a MasterCard gift card from my place of work for $100. I was over-joyed. Then I tried to use it. The store told me there was no money on the card. Calling the card company I discovered they were NOT MasterCard, but actually U.S. Bank National Association. They license the MasterCard logo from MasterCard but are NOT MasterCard. They said there was no money ever deposited on this card and I needed to go to the vendor who sold the card. Not it's a GIFT CARD so I had to go to my boss and ask for a receipt for the gift card. I got the receipt, and then called the vendor, Pavilions (aka Safeway, aka Vons). They said that without an "activation slip" they could not do anything about it. I asked my boss for the activation slip, and they had no recollection of such a slip. Actually, it was my boss's daughter who purchased the card, along with 13 other gift cards. I called both the card company and Pavilions and it turns out neither claims responsibility for the $100 transaction plus the processing fee of $4.95.
So, my boss threw out $100 cash plus the processing fee, and recieved a worthless piece of plastic, and I might add a disappointed, upset, and frustrated employee.
Moral of the Story: Don't buy gift cards, they are a scam, just give cash or actual gifts. Most of the gift cards purchased and given just sit in wallets and purses forgotten until the money is gone due to the $2.00 inactivity service charge they put on the account. Also, when I got the receipt, it turns out my boss's daughter purchased the card over a year ago so it was no longer worth $100 even if it had been activated.