Date Received: 2022-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2022, I XXXX a moving company {$580.00} to complete a move. Subsequently, the movers did not complete the move leaving saying they would be back and never returned. The movers required upfront payment. After getting someone on the phone and recording them stating that they said they were returning and in fact had no intentions on doing so, I contacted US Bank to report the transaction as services not rendered. The young lady that I spoke with assured me that I would have my funds back in my account within XXXX business days after verifying that she simply couldnt cancel the transaction, but an official claim needed to be submitted. After not receiving the credit back to my account, I contacted US Bank on XX/XX/2022 and was advised that my case was just assigned to a claims XXXX and to give them an additional XXXX business days. Since then, I contacted US Bank a third time and was advised that m claim was denied on the same night I filed the fraud claim and that they dont return XXXX payments. I asked to speak to a supervisor and it has been over XXXX weeks with no response from a supervisor or anyone else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We had a loan with us bank on an apartment building in XXXX XXXX. There was only one of the partner on the loan at the time of purchase. We notified us bank that we would like to add the 2 more partner on the loan so instead of having one person they will have 3 partners on the loan docs. US Bank ask from all 3 partners lots of documents which we provided. the one partner whom his name was on the original loan, provided his tax returns and profit and lost as he was asked. He didn't send docs related to his business as he said I am already on the loan. How ever I discussed with us bank Representative who was handling the process XXXX XXXX XXXX who assured me that he has all the info needed .i would like to note that this loan was never even 1 day late. and the home has a huge equity. 2 weeks later we get a letter of default from us bank. Saying they are defaulting the loan and we need to pay it of with another bank. they increased the interest rate and will not give us a chance to provide the document needed .pay or we will foreclose the property. we had no choice but to get hard money loan with hi interest and points in order to pay off the building .I feel that they are treating us wrong and cause us to loose a lot of money with out the right reason .I would like to be compensated by the us bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91423
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: XX/XX/XXXX -ongoing I have been advised by legal counsel that I needed to make sure that my communication is documented. This has been an ongoing challenge to get my concerns, grievances, and frustrations rectified by this U.S. Bank. Dealing with this unresolved matter has caused nothing but uncalled for pain, suffering, and XXXX. It all started back in XXXX of XXXX with the efforts to end forbearance and place the loan in Loss Mitigation went downhill. The documents were sent out on several occasions to be signed by myself and the primary borrower. The bank representatives in the Loss Mitigation Department have failed to effectively communicate the expectations of this process ( application and documents. ) The bank has also failed to send out the correct split documents for both borrowers to sign in a timely manner. Multiple documents have been sent in error and unable to be tracked. The Relationship Specialist XXXX XXXX has been called upon numerous times along with her supervisor and still no response. She or the computer generated system have sent out letters stating that she is the Sole Contact Person for this account. I have had to constantly call and explain the details of my grievances to different people daily as XXXX XXXX has failed to respond to her assigned accounts. This has been a very stressful situation dealing with U.S. Bank and how inconsiderate most of the exchanges with the ( XXXX XXXX ) which turned out to be a waste of time as my true grievances as stated above was never documented on the complaint. All notes, recorded calls, tracking details, and review of the documents should have been reviewed as a part of the process. This matter could have been handled professionally and within a timely manner and I would not have to be arranging higher payment options. XXXX XXXX XXXX ( XXXX ) took the time to hear me out, research the account thoroughly, fix/cancel the known conflict with the reviews, and provide me with useful information outside of all the lies that I have been told. This interaction was long overdue but he is greatly appreciated. My hope is that this is the last of my grievances with completing this process. All I want is the application to finally be complete and updated on the new options. The way this bank is set up to meet the needs of consumers is extremely flawed and how it conducts its procedures is far from fidelity and consideration. Relying solely on a computer system to handle life changing transactions is catastrophic in itself. This was my response XX/XX/XXXX and still nothing has changed. US Bank has intentionally delayed the review process blaming it on incomplete or inaccurate information. This delay omitted potential opportunities to have a lower interest rate and feasible payment option. Now the banks only option for us now is to pay almost {$400.00} more on top of the current payment of XXXX for a trial and permanent modification. They spoke of the amount of payments in default but fail to realize that they are at fault as well by intentionally setting us XXXX XXXX Individuals who all struggled during the Pandemic in some form or fashion for failure and possible foreclosure. The banks are bigger than us smaller individuals as they refused to work with a HUD approved credit counseling agency to assist in Homeowner Mortgage Assistance. There is no consistency and no direct answers to help with the Loss Mitigation process. In filing a complaint with the XXXX XXXX I feel that the bank has retaliated against us as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30228
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Hello, my name is XXXX XXXX I live in XXXX, Ohio and someone has opened a credit card using my identity without my permission. It is for-sure identity fraud and Id like it investigated immediately and closed. Ive never opened an account with XXXX XXXX XXXX or an affiliate with that establishment. I only have a XXXX card and XXXX XXXX I opened recently. The card was opened on XX/XX/XXXX and the last activity was XX/XX/XXXX. I repeat Ive never opened a card with that company or affiliate. Im beyond terrified I hope my identity doesnt get compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: well that was weird I had just finished written my complete statement check the box to okay for publishing.finished up my part of my expectations on my needs and whole thing vanished.This has happend several times. I'm Not Kidding the problem is this very exact thing happened 4 years ago with the same bank.I started XXXX weeks prior to the XXXX XXXX XXXX XXXX XXXX That's How much time I had on my card and Someone Cancled my Card when I requested my New Card, added to the 4 1/2 months it took them be for I received it last time it was the most inhuman experience I have been through And I'm getting the same exact treatment this time.Yes I have caled them spoke to them count less hours already.Sorry I refuse to ever be treated like that ever again.Thanking You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: I've been disputing my transaction since the end of XXXX and I've been denied with no reason of my disputes being denied they just sent me something saying my dispute has been closed like XXXX the XXXX and I've been fighting the end of XXXX. And this is my unemployment banking with US Bank ReliaCard. I noticed some unusual transactions that was made on my account with {$1000.00} withdrawal with XXXX XXXX transfer and and all kinds of other XXXX transfers along with a cell phone payment and a XXXX XXXX XXXX XXXX they did refund back the money from XXXX transfers and the cell phone in XXXXXXXX XXXX but the cash withdrawals that were taken out of my account was not refunded and you can see how it is it's {$1000.00} {$100.00XXXX XXXX XXXX XXXX. They refund my XXXX but not the cash withdrawals and it just looks so suspicious like you could see it it's all together so I canceled my card ordered a new one and the card that I was waiting on was stolen out of my mail and they were able to take out two XXXX cash withdrawals and a XXXX $ XXXX. And they did a few online XXXX XXXX transfers as well. I wrote letters on my behalf, I made a police report, I disputed them on time I even sent in bank statements from my XXXX account that I never even made any of those transactions everything that they had taken out of my account there's a XXXX charge with it. And since my account shows that I didn't make any of those transactions on my XXXX account. I didn't think they would have a problem refunding my money back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I was told in XX/XX/2020, my benefits would be exhausted. XXXX XXXX XXXX someone was filing for my benefits and using my card. I notified relia card, they denied my whole dispute ( which I paid taxes on ) except for {$17.00}. I contacted Unemployment and they said I should have never gotten it, which is not the truth.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 178XX
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2022 a Visa Debit gift card was purchased for me by XXXX XXXX at XXXX XXXX store on XXXX in XXXX, CA. I received the card and activation receipt showing that it had been approved to be activated. I called the number on the card to activate it and was told it had a {$40.00} balance. I tried use it over the course of the next few days multiple times but was told there was an error. I called the number on the card XXXX and was left on hold for over 15 minutes and was then told I needed to set up an online account with a password which I did. It still didn't work. I went to XXXX grocery store where the card was purchased and XXXX called the main office and was told there was nothing XXXX would do and that I had to contact XXXX. I again called the number and was told that a new card would be sent to me and the balance of {$40.00} would be transferred to the new card. I received the new card and when I went to activate it there was a XXXX balance. I again called the number and asked for the {$40.00} to be transferred and was told the card original card had been used at a place I've never heard of. I asked to speak with a supervisor and was put on hold multiple times waiting for a supervisor named XXXX for a total of XXXX minutes and then was disconnected. I now have two Visa Debit gift cards that are totally useless and my friend who bought the first one for me as a birthday gift is out {$40.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2022-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I closed my account due to fraud. I have a judgment against the people who used my cards and credit without my knowledge nor consent. This is why I closed the secured credit card last year. Instead of closing the card, Elan Financial has now billed me for the same amount of the credit. Basically, I had {$300.00} worth of secured money for the card, when I closed the card, everything was paid off. Instead of keeping the card closed, Elan Financial is now claiming I owe {$300.00}. When I've called them to dispute and state it is fraudulent, they continue to bill me and damaging my credit. This has caused me stress and ruined my credit history. My score has continued to drop due to the wrongful and illegal reporting. This is a money grab!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48307
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-28
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I received three letters from USBank that they received an application for a credit card on XX/XX/2022. Reference # XXXX. I contacted USBank and spoke with XXXX and advised him that I did not request this credit card. He noted the file and said the frauders have my name, address, and social security number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2022-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A