Date Received: 2022-12-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: lack of statements, would not accept payment over phone, Do to usbank creating payment problem thur opening and closing account rapidly with XXXX company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 047XX
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Have not received the XXXX pay, Reliacard
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55337
Submitted Via: Web
Date Sent: 2023-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: As of XXXX, I began to notice some fraudulent activity on my checking account. It was then that I notified my bank by way of physically going into the bank as well as by calling the fraud department as they had suggested. After doing I disputed several transactions that were not familiar to me and was told that I would be issued a provisional credit and after receiving the documents in the mail, I should fill them out and return them to the address enclosed. After doing so, without warning the provisional credits were reversed from my account causing a negative balance and always coincidentally close to the date of my direct deposit, leaving my account without any funds causing me to overdraw my account in order to buy basic necessities for the month. This has continued and still continues. Upon requesting evidence to support the allegations that the disputed atm/debit card transactions were performed by myself and/or my wife because the patterns of use and the places that were used to withdraw funds from the atms etc. were consistent and that the photos that they had in their possession were the same people in all of the photos!!! I have called them and requested the documents that they claimed to have to support their findings and they informed me that they were not able to release that information. That says to me that they know me and what I look like and that isnt true. After conducting my own research I have learned that XXXX XXXX has had a data breach/hacked leaking personal information and has also been fined by the federal government for opening accounts in customers names using their personal information without their consent. When the breach occurred in XX/XX/2022, is exactly the same time that the fraudulent activity soared and the fraudulent transactions and other fraudulent activity such as fraudulent account numbers appeared on our accounts. I have recorded conversations between individuals and myself and many of them dont appear to be legitimate conversations with legitimatXXXX XXXX XXXX employees. I have screenshots of my account that have account numbers and information that suggests that someone has hacked into my account and opened an investment account in one or both of our names. After inquiring about the account numbers that were listed on my account both at the bank and by calling the fraud department, I can not get a straight answer and I have been unable to find the appropriate department to get an answer. Since XXXX, I have had to question many transactions that have occurred on my account and after being given the provisional credits the same pattern of reversal of funds continues many of which I have not been given an opportunity to submit documents in support of my claim of fraud! I am sure that the evidence that I have in my possession is indicative of fraud and unauthorized access to my accounts!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have submitted numerous complaints to you about the practices of US Bank Reliacard and neither US Bank nor the CFPB is doing anything about their thievery. I am sick of it. This is absurd. US Bank Reliacard has done the exact same thing they did the first time, absolutely nothing. I do not accept this response. Do the individuals at the CFPB not read the complaints submitted? Does the CFPB not read the responses the company provides? US Bank Reliacard did answer address a single question or concern again. US Bank Reliacard indicates that I beneffited from the fraudulent transactions. Tell me how. How did I benefit? They claim I had a pattern of use. Tell me what that pattern is. What pattern does US Bank claim to see? The only pattern that I see is that the fraudulent withdrawls occured at a credit union I do not use, where as my withdrawls occur at a bank at a different address. So what pattern is US Bank referring to? They will not answer the question and the CFPB apparently isn't asking the question either. My location was used in US Bank Reliacards determination they say. I can not and will not be held accountable for where the card thief used my card. If US Bank Reliacard reviewed any of the evidence I provided them they would be able to see that MY LOCATION on the days in question was in an entirely different township. I was miles and miles away from the credit union in question. So what location information does US Bank Reliacard have about my location that they are using to make the determination? These are all the same questions I have been asking the entire time. These are the same questions US Bank Reliacard has refused to answer the entire time. These are the same questions the CFPB is refusing to help me seek answers to. I do not accept this lack of an answer, not before, not now, not ever. US Bank Reliacard is just as big of a criminal and thief as the person/persons who stole my debit card. The CFPB is running a close second. By allowing these institutions to get away with not having to honor the customer agreements people sign, you are condoning their actions. You are aiding these thiefs. Ask them the questions I have been seeking your help with getting answers to. Those questions still are the following : XXXX. What about my location, specifically, was considered in US Banks denial? XXXX. In what way, specifically, did I benefit from the fraudulent ATM withdrawls? XXXX. What pattern of use, specifically, does US Bank claim to see regarding the fraudulent withdrawls? XXXX. What about my monthly statement does US Bank consider to be evidence in their favor or evidence of why they made their decision the way they did? XXXX. Aside from my monthly statement what enclosures did US Bank provide me as evidence why they made their decision they way they did? Not only did US Bank Reliacard yet again respond to XXXX questions I presented, the CFPB responded and assisted with answers to XXXX questions. Thanks for nothing, again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 671XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XXXX, I submitted an online application to US bank for Easy Checking account with a promotion of {$400.00}. On XXXX, I called to inquire about the account status, and the agent indicated that the application was under review. I called again on XXXX to cancel the application since the promotion expired on XXXX. The agent mentioned that I am still eligible for the XXXX promotion since the delay was on US bank, I am still eligible for the promotion. He placed me on hold and talked with a supervisor. He returned with the same information that the supervisor stated I am still eligible for the promotion. He opened the account with the XXXX promotion and indicated that I would get the promotion as advertised. He apologized for the delay in opening the account. Unfortunately, US bank has refused to honor the promotion even though I've met all the eligibility requirements. Requested resolution : Please honor your commitment of a {$400.00} new account opening bonus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 923XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: With a good credit score of XXXX, I applied for XXXX XXXX XXXX XXXX XXXX " XXXX XXXX '' balance transfer card with the intention of using its advertised balance transfer feature. The card is advertised at this URL : XXXX : XXXX? XXXX & XXXX From that link you can see the boxes that I filled out : they include basic demographic information, XXXX, annual income, and a box that says " I'm interested in a balance transfer '' - which I selected. Radio silence for a few weeks with no emails in my inbox. I called to check on my application after a week and it was still pending. A week later, I called and was told that my card had just been mailed to me with a {$600.00} credit limit. Surprised, I asked what happened to the balance transfer - I was expecting that to be defined before the card application was complete. From a perspective of common sense, {$600.00} is not a reasonable amount for any conceivable balance transfer. I am left to think that there is a missing field on the form, and my application was processed carelessly or negligently. When I called, they told me they were unsure about what I could do about the balance transfer, but that I could request a higher balance, which would be yet another hard pull on my credit. Over the phone, I consented to another hard pull on my credit to increase the balance limit to something that would be reasonably useful for the advertised balance transfer feature. Just now, I called back and have been told I was declined because my account hasn't been active for 6 months yet. This obviously makes the balance transfer unusable, since only 18 months are held at 0 % APR. Consequently, I have been forced to close the card having never even activated it. I have no idea how these two hard pulls on my credit - one resulting in a decline- have affected my XXXX score. I feel like this whole interaction has been disastrous. Emails from XXXX XXXX XXXX come into my Spam inbox under the generic name " cardholder services '', and the underwriting phone support, when I have called, have not budged beyond their stock justifications for the likely erroneous {$600.00} credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 010XX
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, My name is XXXX XXXX I am a HUD Certified counselor and helping XXXX XXXX with his mortgage loan. We applied for Mortgage assistance through The State Of Colorado and did receive it back on XX/XX/2022. USBank processed the check on XX/XX/2022 for the amount of {>= $1,000,000} which should have been applied to my loan and in this case pay it off so we thought. They instead applied it to fees according to my XXXX statement nothing was applied to the balance. I have been trying to get them to speak with me and sent in several 3rd party authorizations and they needed me to add a PIN and my company 's tax ID number which have done and just resubmitted it. I am asking you to step in and see if we can get some kind of resolution to this issue. They say he has a payment amount of {$400.00} and something but there is not payment amount on this statement or even when it is due by. XXXX XXXX is XXXX XXXX XXXX XXXX and he does not understand this. He rarely recalls even getting the loan but we do have loan docs showing where and when he got the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I attempted to pay the company that owns my apartment in the amount of {$310.00} on XX/XX/XXXX for fees associated with my living space. On XX/XX/XXXX, the money was re-added to my apartment 's list of charges, along with a Non-Sufficient Funds ( NSF ) fee of {$100.00} added onto it. Checking back later, on XX/XX/XXXX, I found that I now owed {$430.00} as a result of the company not receiving the previous funds, the NSF fee, and late fees. I immediately attempted payment again, only for the same incident to occur again today on XX/XX/XXXX, with another NSF fee applied, resulting in {$530.00} being the money I now owe. On both occasions, I attempted payment with XXXX. Panicking, I check my bank statement to find when I sent in the money. I vividly remember having the appropriate funds prior to paying the landowning company on both occasions, and when checking my balance after, I found that the amount of money I sent in was missing from my account. However, I can not find the money listed anywhere on my account. I had called the number on the back of my US Bank XXXX XXXX for assistance, and was told by the agent I reached that the transactions never occurred. When I asked where my money went then, the agent avoided answering directly, and suggested I speak with the merchant I paid. I then discussed the problem with my leasing XXXX, who stated that most tenants in the building I live in pay their bills with XXXX, and that no one else had this issue. I am now missing {$740.00}, and I can not find when or where they went on USBank 's XXXX XXXX site, or their mobile app. I then checked online and found that earlier this year US Bank was fined {$37.00} XXXX for stealing from their customers, and I fear they've simply found another way to do so, and that I've become a victim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75032
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On Saturday, XX/XX/XXXX, my account was closed at approximately XXXX XXXX. I tried to transfer my funds externally, but my financial institution US Bank blocked my transaction, closed my account and has not updated me about my remaining XXXX and some dollars in my account that I have received through my jobs paycheck as a legal employee and have paid taxes on every dollar. I need my money to pay my rent as I quit my job shortly after however my money has not been sent to me and I have not been given an update. I went in person to multiple locations only to be told my account closure is pending and they can do nothing about it. I need my money ASAP or I will end up being evicted. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97317
Submitted Via: Web
Date Sent: 2022-12-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-21
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Having issue with UNAUTHORIZED TRANSACTIONS The ReliaCard is issued by U.S. Bank National Association pursuant to a license from Visa U.S.A. Inc. 2021 U.S. Bank. Member FDIC. XXXX XXXX XXXX XXXX family ( Beneficiary ) WITHOUT PREJUDICE UCC 1-308, I.e, all Natural inalienable Rights Reserved Please address all future correspondence in the matter to a direct Human Self, namely XXXX of XXXX XXXX XXXX XXXX as commonly called. I recently noticed noticed that this account has so many unauthorized deductions/ transfer 's fraudulentlv using my funds to pay past bills. I'm Demanding that account be back in the positive or I will have to seek litigation for civil remedies. ELECTRONIC FUND TRANSFER ACT The Electronic Fund Transfer Act ( EFTA ) ( XXXX XXXX XXXX et seq. ) of XXXX is intended to protect
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19154
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A