Consumer complaint received 2025-07-02 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: U.S. BANCORP
State: FL

Complaint narrative:
In response to the XX/XX/XXXX letter The 3rd Paragraph of your response Lists the Loss Prevention department provisional credit of {$39000.00} being applied and removed between the first and second reinstatement letters. Please provide a basic accounting schematic of how that's mathematically possible. 

Facts : 1 ) I paid interest on those fraudulent charges from when they occurred dating back to XXXX... 4 years of interest in some cases ; no interest was reversed anywhere just principal. 
2 ) The provisional credit was for the charges ( not the interest i paid on each item for years ) 3 ) the Provisional credit being applied and then removed ( whether right or wrong ) does change the sum total of the payments due or all of the payments made. It may have changed the balance by 26.5 % down then back up. 
XXXX ) So by your math 9 months of payments that were due was XXXX which divided by XXXX is {$2400.00} PER PAYMENT. This is greater than XXXX what was due each month at any time when the line was fully utilized and operating as agreed. 
XXXX ) I paid the number given via a wire ahead of schedule and you still added a late fee and {$890.00} from where? 
6 ) Im the Victim of Fraud where they pulled form my HELOC and sent money to other cards/ Bills that weren't mine which is why i have not logged on since XXXX of this year. 


My asks are very simple a ) Please provide a accounting ( not a statement ), the actual math of how the payment number was calculated b ) please provide a accounting for where the {$890.00} came from c ) Return my line to operational and revolving status. 

As to the phone transfers/ hang ups the phone records/ list of who i talked to at each time was sent to the address listed in the upper corner on XX/XX/XXXX. 


Previous complaint : I received a reinstatement letter attached on XX/XX/XXXX with a due date of XX/XX/XXXX with a payment amount of XXXX for XXXX payments plus some fees ( average out to {$1100.00} per payment ). I wont get into why this is ( fraud claim ) or and i was served papers on the XX/XX/XXXX th before i could pay it as i had to get a atty etc. All we asked is if the original was valid and USB atty said they would get refreshed one. It took 1 month for US BANK to refresh the and when i got it the new number was {$22000.00} for a total of XXXX payments. There were fees of {$170.00} and {$300.00}... Fine ; that left {$21000.00} in total for 9 payments. I called and asked multiple times for explanations and no one could figure it out ; i was forced to pay it. In their response there was no explanation as to why XXXX payments averaged out to XXXX but the XXXX payment was {$12000.00} by XXXX ( effectively more than the other 8 months put together or XXXX times the average payment ). Also the XXXX payment was {$1100.00} again like normal. I was taken for {$12000.00} with no explanations... Please help as when i call I'm bounced around for a hour with no explanation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation