Date Received: 2023-03-29
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: The card I received never worked since day one. I have spent several hours on the phone with the services team with the number on the back of the card ( XXXX XXXX ) I attempted to withdraw money from a local US Bank in person from a teller. When they ran the card it came back on the machine as fraud. I called the number on the back of the card and the service rep said they would remove that and that there is no problem. I have made a total of 12 calls and gone into the bank 9 separate times to have them to run the card. Still comes back fraud. I have jumped through all the hoops they requested of me, including uploading a picture of my face and sending a picture of my passport, ID ) and at this point I'm suspicious of them for fraudulent holding of money. I am still not able to get my money and they claim my ID I uploaded is " cut off '' But I used their system and called a rep right after I uploaded and he confirmed the ID was received and it would take 2 days for the hold on my card to be lifted. I am suspecting the company that handles ReliaCard services and fraud-management team as a fraudulent and corrupt vendor for US-Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98034
Submitted Via: Web
Date Sent: 2023-03-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Credit card open up in my name on XX/XX/XXXX of XXXX. Chargers were made of {$2700.00} Had a credit limit of {$17000.00} Card open with US Bank Had address listed on their report where Ive never been this is not my address : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Massachusetts XXXX No one has contacted me for US Bank identity theft and fraud to resolve this issue
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 707XX
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: This appears to be a case of fraud. My brother XXXX purchased the gift card to reimburse me for some tickets that I purchased for him. Per the receipt, he purchased the card at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX ) in XXXX, UT. XXXX 's is part of the XXXX family of stores. Card purchased on XX/XX/2023. I received the card from my brother on XX/XX/2023 and attempted to activate the card on XX/XX/2023 at www.prepaidgiftbalance.com. The original amount on the gift card was {$120.00}. Apparently, the card had already been activated, because I could not register my information online. Called the number on the back of card : XXXX, entered the 16-digit card number ( XXXX gift card ) and then security number. The automated response offered an option to hear the current balance. Balance was {$28.00}. Could not get a live person on the line. Called the number again this morning, got a rep, gave them the card Information and my name, only to be told that the name on record did not match my name. Clearly a fraudster. Pretty sure that I will not be able to recover anything, but wanted to report this. Store location is : XXXX 's, XXXX XXXX XXXX, XXXX, UT. XXXX. I work in the banking regulatory arena, so I know that it helps to report these instances to protect the next unwitting consumer/customer. XXXX XXXX, XXXX XXXX, FDIC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84094
Submitted Via: Web
Date Sent: 2023-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I have many issues with US Bank. I have attempted to remedy this for over two years via both the branch and recently with the office of the President. I have audio of both the fraud department and the branch manager admitting that there were internal errors that caused significant damage to my monetary assets in three accounts. I also have statements that reflect the issues. # 1 lost/stolen cards being active for more than 2 years # 2 lost/stolen cards having activity and US failing to return my money. # 3 enormous amounts of over draft fees that do not reflect being over drawn in accordance with deposits & balance sheet # 4 US Bank failed to return overdrafts per their policies # 5 reported inaccurate information preventing me from going to another Bank and forcing me to continue with them. # 6 caused significant damage to my monetary assets *Example card XXXX was reported as hacked XX/XX/XXXX via branch location and a temporary replacement card received. That card was to be deactivated at the moment the bank was notified and temporary card activated. The card continued until XX/XX/XXXX. This was the case with two other cards as well. It was obvious that the activity was being permitted both the fraud department and branch both on recorded audio stated the card ( s ) should have immediately been deactivated and no activity been permitted. I flew into the branch from Florida to Ohio to meet with the Branch manager. He contacted the claims division at which time they told him " he had a duty to make right the wrongs and to return all money that had been removed from my accounts both with the cards and the overdrafts '' On the recording he stated the loss was too great for the branch and would have to be handled by the office of the president. The office of the President contacted me and requested I highlight every transaction from each of the accounts and each of the lost/stolen cards as well as overdrafts that should've been returned. They were aware of the audio recordings I played them for them over the phone. She requested I not make a complaint with either the comptroller of currency nor the consumer financial protection agency as it would prevent them from investigating. They mailed me four years of bank statements but did not include where to send the statements back to nor send an instruction letter as XXXX had stated she would. I work XXXX jobs and it's been a very difficult task to go over thousands of transaction and highlight of even make logical sense of the over drafts. They are not showing what was over drawn just an amount for example as shown on the samples I've sent to you. It truly looks like they simply charged me {$95.00}, {$1800.00} in a single month another {$1300.00} the following and this practice goes back to the very beginning of the accounts and continued on over drafts but the balance sheet and the deposit sheet reflect otherwise. I signed up to have any transactions be denied if funds weren't available and linked by DBA account to my personal account to avoid overdrafts however I was told it was showing that it was set up that way but the internal bank error was creating an over ride. Everyone I speak to at US Bank does the same thing... Customer service sends me to fraud, fraud sends me to claims, claims sends me to complaint department, complaint department sends me to a supervisor and no one returns my calls. I'm very upset as would anyone who trusted their money to be safe in a large bank. I have had bank accounts with XXXX XXXX and XXXX XXXX XXXX and never had these errors. I requested all accounts to be frozen while they investigate yet they did not and continued to allow transactions once again putting my account into over draft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33710
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: I have a mortgage with US Bank. They are refusing to report this mortgage that I have kept up with on payments, to the credit bureaus. I spoke with agents from US Bank Home mortgage on XX/XX/2022, XX/XX/2022 and XX/XX/2022. Each time they told me that since I filed for bankruptcy and even though I reaffirmed my mortgage in the bankruptcy process, that they would not report it to the credit bureaus unless I refinance my mortgage with them. My rate is XXXX. The rate will go up if I refinance the mortgage. I am not going to refinance the mortgage. I spoke with XXXX this morning and they told me that they can see the mortgage but it is suppressed by the lender 's request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Hello My name is XXXX XXXX and US BANK closed my account with no explanation i been getting the run around regarding why the account was closed i was told wait on the letter US BANK has my money on hold so i cant withdrawal any money for bills rent nothing i received the letter on XXXX. The letter stated no reason why the account was closed it stated once all obligations has been filled in debts has been cleared or any obligation owed to us bank a cashier check will be sent out i have no obligation to us bank nor do i owe them any money i want my money released right away i have bills in rent due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60431
Submitted Via: Web
Date Sent: 2023-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My problems started out with US bank back in XX/XX/XXXX when a transaction for insurance for over {$400.00} was approved and when i called customer service on speakerphone in the presence of my sister and room mate, i was told that i still had an available balance of roughly {$400.00}. I bought some items for XXXX and eventually when i called to get my balance, the account was overdrawn by some XXXX dollars. Next in XXXX of this year XXXX, someone stole my wallet and phone and used them to deposit and withdraw fraudulent/bogus checks. I notified US bank and filed a police report and US bank has taken what is over three months now and no temporary credit has been issued. Along with this, my monthly income has been kept from me and the bank is holding those funds even to this day. I am on a low income and depend on my spousal benefit monthly payment to survive. At this point im about to be homeless and every time i call US bank am given the run around, nobody ever gives me a straight answer and i can not understand why my rights mean nothing in this case. I notified US bank as soon as i knew of anything, I filed a police report, and i have given them ample time to figure out what is going on ... Even though my account is frozen, my monthly support payments were never returned to me approximately {$1300.00} a month for the past XXXX months. This is my money and I can not understand why im not being given at least a temporary credit when they have deposited the {$1300.00} a month and ive never gotten those funds. Again this is my income that is being mistreated and i have received nothing but the runaround from US bank ... US bank claims they sent the income payments back however i found out this is not the case. I want them to give me back the funds they have kept which were not theres to begin with. My account should have been closed and a new account opened as soon as the fraud was discovered/reported. Not allow my monthly income to be drained into an account that was overdrawn.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Getting a loan
Subissue: Problem with the interest rate
Consumer Complaint: In 2010 I applied for a private student loan with XXXX XXXX to finish my XXXX XXXX XXXX at XXXX XXXX. I believed when applying for the loan I was applying for a fixed rate loan, while filling out the application it was a fixed rated loan, going over and signing the paperwork it was a fixed rate loan, and even when I begin to make my payments I believed it was a fixed rate loan. I begin to pay the loan back and my payment was something like XXXX dollars a month and I was paying double that to try and get it paid off. I encounter some other bills so I begin to make only the minimum payments of XXXX or XXXX dollars a month for this loan. I had already gotten it paid down to like {$2400.00}, within the first 5 months. I then received a call from a person from XXXX XXXX telling me my payment was short or I missed a payment. I explained to him that I had never missed a payment and that I had been doubling my payments but I had to stop ; however, I was still making the minimum required payment. That man was so disrespectful to me and treated me like I was the lowest person on earth. Yes, after that I gave him a piece of my mind and asked him who he was talking to and he would not talk to me that way. He stated he would show me and hung up. I did not think anything of it and continued making my payments. XXXX XXXX transferred my account to XXXX, I believed it was transferred somewhere else first then ended up at XXXX but I really can't remember who was the first company. I really had not paid much attention to this loan and I have just been making my payments always in the back of my mind saying this is not paid off yet. After graduating from another college and having those loans paid off and I am still paying this loan from 2010, I know said I need to look into this. What I discovered and now know what he meant when he said he would show me. My loan now is a fixed/variable rate collecting daily interest with XXXX installments. There is no way I would have signed a 15-year loan for {$3000.00}. I will never be able to pay this off and this would not have made sense to do. I believe that a XXXX XXXX employee changed my original loan and then sold it to another company to get it off of him. I never signed anything to my knowledge for a variable rate loan. I know I would never have done that I am asking that the original loan document be pulled showing where I signed the paperwork. Showing where I signed for a fixed/variable loan. I am also asking at this point that this loan be forgiven, I have paid well over {$3000.00} for this loan. if not forgiven at least refinanced to something that is more realistic and more reasonable and makes more sense. Thank you for any help that you can provide.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44105
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: One of my credit monitoring services reported a new inquiry on XXXX from : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ND XXXX This was not requested by me or approved by me and did not appear on any other other bureaus ( XXXX, XXXX ). A few weeks prior I had another alert about an inquiry from : XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX Which was similarly not me. I was able to contact the latter and they called XXXX and removed the query and reported fraud. I have been unable to contact the former one, as the phone number provided appears to be mine, not theirs. I called XXXX and they said that I needed to mail them a letter requesting removal of this query, along with a copy of my ID and a FTC report. I am filling this out to get an FTC report and I sure hope it is the right form. I put credit freezes and fraud alerts across all three credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98125
Submitted Via: Web
Date Sent: 2023-03-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been a victim of identity theft. My funds were stolen from my checking and savings and U.S. Bank National Association will not do anything to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53224
Submitted Via: Web
Date Sent: 2023-03-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A