but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,U.S. BANCORP,TX,75098,,Consent provided,Web,2022-02-02,Closed with explanation,Yes,N/A,5177198

What the CFPB Record Shows About but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,U.S. BANCORP,TX,75098,,Consent provided,Web,2022-02-02,Closed with explanation,Yes,N/A,5177198

but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,U.S. BANCORP,TX,75098,,Consent provided,Web,2022-02-02,Closed with explanation,Yes,N/A,5177198 has accumulated 1 consumer complaint in the CFPB public database, with filings active across 0 U.S. states. Of those submissions, 1 includes a consumer narrative — the verbatim description of the reported problem that the CFPB collects alongside each filing. The earliest complaint on file dates back to I do, and the most recent logged activity is I do ackno, giving this record a multi-year window of observable consumer sentiment.

Looking at response behavior, but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,U.S. BANCORP,TX,75098,,Consent provided,Web,2022-02-02,Closed with explanation,Yes,N/A,5177198 reports a 0% timely-response rate and has closed 0% of cases with a written explanation to the consumer. 0% of complaints were closed with monetary or non-monetary relief — an outcome signal that tracks how often consumers walked away with some form of remediation. A further 0% of responses were formally disputed by the consumer after the company replied, a useful marker of resolution quality independent of sheer volume. The most-reported product category for this record is "I stated that I would be unable to pay the balance in full at that time due to reduced work hours as a result of Covid and requested options for a payment plan. I was offered a 24 month payment plan with monthly payments of {$160.00}. I asked the representative for monthly statements to be mailed so that I could send payment each month. After a couple of months I received another phone call asking about payment arrangements and at that time I advised the representative that I had never received a statement from US Bank so that I could make the monthly payments. The representative confirmed the address on file was correct and she said she would send a ticket in to research why I am not receiving statements. I never received a response back. I received another phone call from US Bank and was told at that time that statements are not mailed and that it is my responsibility to make the monthly payments as they have the option for me to do that over the phone. I advised I was not comfortable with that method and that again I needed to be mailed statements so that I could ensure payments were being received and that my balance was decreasing accordingly and also as a reminder to make payment. I receive other mail from US Bank but never a monthly statement after several requests so I advised the representative that is why monthly payments are not being consistently made because any other outstanding balance I have from any other business or vehicle lease I am mailed statements. XXXX XX/XX/XXXX", and the single most common underlying issue is "I couldn't have just made that amount up. Again he stated that there was no record of any arrangement and that 12 months was the best they could give me as of the date of the call. I asked why wouldn't my agreement be honored since it was setup prior to today. He then asked me why I couldn't make the higher payment and I explained that was the most I could pay per month because of a reduction in hours due to Covid. He then offered me a one time hardship offer of {$2000.00} to pay off the account in full. I advised I could not pay that amount today and he became very rude and pushy asking me why I could not pay off that amount today".

Complaint volume is heavily influenced by company size, customer base, and market footprint — larger financial institutions routinely carry more filings purely because they serve more consumers. A complaint is a consumer-reported allegation, not proven wrongdoing, and a timely or relief-flagged closure does not by itself confirm fault. Use this page as one input among many when evaluating but not from a bank. It almost seems like they want to do everything in their power to make it difficult for me to honor my payment obligation since I am not rich enough to just pay off a $ XXXX balance.,Company has responded to the consumer and the CFPB and chooses not to provide a public response,U.S. BANCORP,TX,75098,,Consent provided,Web,2022-02-02,Closed with explanation,Yes,N/A,5177198: cross-check against the CFPB Consumer Complaint Database directly, review your own contract terms, and consult a licensed professional for financial, legal, or regulatory advice. This page is informational only.