Date Received: 2022-12-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: In the month of XX/XX/2022 I recieved a U.S. Bank Relia Card that I did not apply for. I believe that someone has applied for Relia fraudulently under my name. I have filled out the form for U.S. Bank to deactivate the card. I am also worried that further fraud is being committed in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55418
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: 2022-12-01
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX US BANK placed a hold on my account due to a bad check that was deposit, they scheduled my account to be closed and advised me that my payroll direct deposit would be rejected. The direct deposit posted on XX/XX/XXXX which brought my account in the positives. I was told after several phone calls to visit my local branch to expedite and close out the account so they can issue out the remaining balance of {$360.00}. I went to a US Bank branch in XXXX XXXX, CA and no assistance was provided to me by the manageXXXX instead he offered his opinions which was not needed. I then placed numerous calls to their customer service number and again was offered no help. They confirmed that my account is to be closed but it could take 1 week to 1 month to process which I find to be ridiculous and illegal. If a company of that capacity has closed out my account, they should have the capacity of issuing out the small amount owed to me so that my account is no longer in limbo. This bank has gauged me overdrafts and fee which turned in thousands of dollars that I paid to them as a consumer, but they have an issue with processing the closing of my account and properly issue out funds legally owed to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90813
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Previous complaint was filed : XX/XX/XXXX, ID XXXX ORIGINAL COMPLAINT : Reliacard, US Bank Corp XXXX {$13000.00} balance. Account was closed effective XX/XX/XXXX. Reason given in letter XX/XX/XXXX : I did not respond to letter ( I did NOT receive ) saying I had to use their web site photo verification ID process ( I did later, but was evidently late ). Numerous calls have been made to bank customer service and Oregon Unemployment, issuer. Customer service says Oregon must request the funds but gives no more specifics : how, to whom, what format. Their representative states, THERE IS NO TIME TABLE FOR RETURN OF FUNDS. And, Oregon says they can not request my funds ( accordingly, they have no mechanism to do so ). I.e, each passes the $ buck $ to the other, rinse-repeat. I have not made a withdrawal since XX/XX/XXXX, primarily because ReliaCard has a complicated scheme to limit amounts, number of withdrawals per time period, time of day withdrawal postings, specific geographic locations of ATMs, branches available for my account. I would prefer termination all dealing with Reliacard, return of funds either as a check, or better yet, wire to XXXX or XXXX account. See US Bank Corp response, including ID verification directions. Attached. A photo of my current passport and a selfie was submitted XX/XX/XXXX, per option # 2, e mail, " Complaints .... '' twice. The bank has NOT responded with my funds or Re : adequacy photos. Since, I have inquired if the ID photos were acceptable : no response. I DID receive a letter from US Bank saying my " change of address '' had been noted : my address was NOT changed, just more precise destination added to same as on file at least since XXXX. In Bank Corp. response " XXXX '' did say at some indefinite time my {$13000.00} would be returned to OHIO? My account originated in Oregon. I just want a check for the above, close the card/account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I requested the company to honor our fiduciary relationship with my consumer accounts. I gave them all the permissions they would need to act as my trustee as some of their documents claim they have power of attorney. I asked them to define U.S. Dollar and what it means. I asked them as my Trustee to allow my account to be drawn/paid down each month so I can continue to use my card for food and house hold goods for my family of XXXX. I offered to leave a balance on the amount each month for a profit to the bank. I asked them to provide me with an accounting of my account and to return to me any over payments. I gave them full authority to act in my best interest, sharing that I have XXXX and that my communication has become more difficult. I shared that if they do not do what I am requesting, they will be causing me and my family harm. I shared that I am having each and every Consumer Account that uses my social security number audited and on a phone call, I shared that it is my belief the bank draws from an account in addition to my payments. I included a {$1.00} bill taped to a filled out coupon written back to U. S. Bank as payment for that statement. The dollar was NEVER deposited, the green card was signed by a registered agent and returned. My networth with my husband is over {>= $1,000,000} and I want to be on the private banking side. Now, i requested my consumer credit to be increased. I was denied. I am being harmed again after the bank closed a credit card and used my lack of accounts as a reason and my ratio of debt to credit. They used the reporting from XXXX to determine I should be denied an extension of my own consumer credit then a paragraph later stated XXXX had nothing to do with their decision. The deceptive words on that statement make reading their documents confusing for consumers which I indicated that their information and disclosures was confusing for the public. My XXXX report has very little on accounts open, I have XXXX public records which are in process of getting romoved from errors. The medical bill is being removed. I am being harmed, deprived, and discriminated against to even have access to my own consumer credit. The bank does not loan their own money, my signature and social security account provides securities for banks. I am the Original Creditor. The Full Faith and Credit shall be given in each State to the public Acts, Records, and judicial Proceedings of every other State.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63368
Submitted Via: Web
Date Sent: 2022-12-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: The {$400.00} bonus was never paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: invested into fraudulent exchange which was a fake account ended up being a fake XXXX XXXX commencing around XX/XX/2022 2022
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 838XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: This complaint is toward US Bank I have a mortgage with US Bank ( since XX/XX/XXXX ) with both me and my husband 's name is on the mortgage. My email is used for all back correspondence for this mortgage. In XX/XX/XXXX, I received an email from US Bank stating " 1. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. To earn your {$300.00} or {$500.00} bonus, open a new U.S. Bank consumer checking account ( excluding Student Checking and Safe Debit Account ) by XX/XX/XXXX. Additionally, you must complete recurring direct deposits of XXXX or more that total : $ XXXX {$4900.00} to earn {$300.00} ; {$5000.00} or more to earn {$500.00} and enroll in online banking or the U.S. Bank Mobile App within 60 days of opening your account. A direct deposit is an electronic deposit of your paycheck or government benefits ( such as Social Security ) from your employer or the government. Other electronic deposits or person to person payments are not considered a direct deposit. The checking account bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App, as long as your account is open and has a positive balance '' I then called US Bank and asked the woman of qualified and she says yes and opens the account for me. I set up direct deposit immediately and use the mobile app. I did everything I was told and never received the {$300.00}. I called the bank about 4 times and spoke to different people and no one could tell me why I didn't receive the money. The just kept saying the would have the rewards department call me. Eventually, months later, now XX/XX/XXXX, I finally speak to supervisor and was told that my reward was denied because my name was not on the email but only my husband 's name was. I told her that no one told me this and that this isn't fair because I opened the account for this reason and I believe I was not clearly informed of what was needed. I want to file a claim for {$300.00} to be received due to my doing all the steps correctly and in the timeframes required and being given misleading information about if my name was on the email or not. And for the rewards employees writing notes on my account stating the contacted me via email or call because they never did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60586
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have had an Elan XXXX for XXXX or XXXX years. The card is serviced by XXXX XXXX based in XXXX, ND. I received a letter dated XXXX XXXX, 2022 from XXXX XXXX informing me that the interest rates I was to be charged were going to increase ( letter attached ). XXXX reasons were given for the increase, supposedly based on my XXXX credit report, dated XX/XX/2022. I called XXXX XXXX on XXXX XXXX to ask for an explanation. The customer service person I spoke with was not able to give me details. I then wrote XXXX XXXX responding to/questioning each of the XXXX reasons given for the rate increase ( letter attached ). By coincidence, I had pulled my credit report from XXXX in XXXX, 2022. None of the reasons for the rate increase given by XXXX XXXX were evident on the credit report I obtained. In addition, the customer service person I spoke with on the XXXX told me the interest rates shown on my account were higher than the rates shown on my monthly account statements. I received a response to my letter from XXXX XXXX dated XXXX XXXX ( attached ). The response did not address the issues raised in my letter nor was there a response to my question as to the difference in rates between my statements and what I was actually being charged. Their response was basically " we aren't going to reconsider the rate hike and you can close your account ''. I did not accuse XXXX XXXX of fraud in my letter. To charge a long-time customer a higher interest rate that what was disclosed and to use apparently specious reasons for a further rate increase can be viewed as fraud adjacent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2022-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened an account with US Bank a few months ago, i was told once i do 2 direct deposit for total no less than {$4000.00}, i would get {$400.00} promotion, and i did that, the last few months, i contacted them several times, agent told me i have met the requirements, and the reward would give to me, i even received a paper letter on XX/XX/XXXX, said the reward would give to me by XX/XX/XXXX On XX/XX/XXXX, i contacted them, they promised would give me the reward, told me to wait till XX/XX/XXXX, but i still havent seen the reward, so i contacted them on XX/XX/XXXX, they said sorry you didnt meet the requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-30
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: US Bank has NOT been reporting its accounts on time or accurately on my credit bureaus. Balances are wrong, last reported not accurate and some bureaus dont even have my US Bank accounts at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2022-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A