Date Received: 2022-08-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I need to set the PIN on my card to use it as a Debit card as the instruction on the sticker on the front of the card say to do, however the company has blocked my phone number. I dial XXXX listed on the card, and the system immediately hangs up on me as soon as it begins to ring. I have tried this phone number many times over the past year with the same problem. This problem does not exist from any other phones I tried to call from, so they have specifically blocked my phone number. This is unacceptable because I can not use the card for debit purchases pursuant to the terms of the card agreement until I use someone else 's phone to call. I called the number with my wife 's phone and spoke to 2 different supervisors who refused to acknowledge that they block phone numbers, but my experience clearly indicates they do. This needs to stop as they are required by terms of the card agreement to at least speak to someone who purchases their pre-paid cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75010
Submitted Via: Web
Date Sent: 2022-08-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THIS IS PERTAINING TO A PREVIOUS COMPLAINT # XXXX I HAVE DISPUTED THE INFORMATION THAT IS BEING FALSELY REPORTED ON MY CREDIT REPORT. THIS WAS PREVIOUSLY DISPUTED AND THE COMPANY RESPONDED THAT THEY FOUND AN INQUIRY BY ME FOR A BUSINESS CARD. I INFORMED THEM THAT THIS WAS NOT MY INQUIRY AND TO SHOW VERIFICATION OF THE INQUIRY BEING MADE BY ME. THEY GAVE ME NO PROOF OR VERIFICATION OR ANY INFORMATION ON HOW THEY CAME UP WITH PROOF THAT THIS WAS MINE. I HAVE NO KNOWLEDGE OF ANY BUSINESS ACCOUNT AS THEY STATED I WOULD LIKE FOR THIS TO BE REMOVED FROM MY REPORT. I WOULD LIKE FOR THEM TO SHOW ME PROOF THAT THIS INQUIRY BELONGED TO ME. INQUIRY US BANK XX/XX/22
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10473
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-27
Issue: Getting a loan or lease
Subissue: Confusing or misleading advertising or marketing
Consumer Complaint: I applied online for an auto loan on Monday XX/XX/XXXX. I was applying to purchase a new XXXX. Nowhere in the application process did it say anything about not being able to finance a XXXX. XXXX allows third party financing so I thought I would go through my bank to finance the new car. After being approved for a {$68000.00} purchase I reached out to let them know that this was a XXXX and the delivery date may be later than the 30 days. After US Bank pulled my credit report and approved me for the loan they came to me 2 days later and told me that this loan was not eligible to purchase a XXXX. Again, nothing in the loan application stated that this was not possible. I spoke with a number of people at US Bank who all had conflicting answers. Now in order to finance the car I have to reapply through XXXX financing and they will have to pull my credit again. This definitely has a negative impact on my credit score and I really do not think this is right or justifiable. If I had seen any information in there explains that XXXX cars were not eligible I would have taken a different action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95864
Submitted Via: Web
Date Sent: 2022-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: 15 U.S. Code 1692d - Harassment or abuse A debt collector may not engage in any conduct the natural consequence of which is to harass, oppress, or abuse any person in connection with the collection of a debt. Without limiting the general application of the foregoing, the following conduct is a violation of this section : ( 1 ) The use or threat of use of violence or other criminal means to harm the physical person, reputation, or property of any person. *Coercion to harm my physical person, my wifes person, and my childrens along with our property. ( 2 ) The use of obscene or profane language or language the natural consequence of which is to abuse the hearer or reader. *Obscene and language the natural consequences of which is to abuse the hearer or reader. U.S. Bank representative interrupted me on harassing phone calls informing me they can harass me and the harassment will continue. ( Your company recorded and was forwarded to a level-up representative ) ( 4 ) The advertisement for the sale of any debt to coerce payment of the debt. *The threat of foreclosure / short sale which means U.S. Bank would advertise the sale of my property hurting my physical person and the reputation of me personally and my family. ( 5 ) Causing a telephone to ring or engaging any person in telephone conversation repeatedly or continuously with intent to annoy, abuse, or harass any person at the called number. *Mention above and after letting the U.S. Bank representative this fact was told they can and will continue to call until this matter is settled. The higher-level representative told me it was completely unacceptable and agreed it should not have been happening. The same representative called the next day and left another message trying to get me on the telephone. 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( a ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. ( b ) Civil liability for knowing noncompliance Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. *I personally spoke with four different US bank representatives making them aware they were knowingly harassing me, and my family as mentioned above. Was told the phone calls will continue, which they did.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hello, On XX/XX/XXXX two transactions in the amount of XXXX were taken out of my account. I was a victim of XXXX fraud where they called from USBank number. The representative stated he was from US Bank and there was a fraud on my account in XXXX and they needed to investigate. I was leary so he transferred me to a supervisor who advised me of same thing. They hacked my account and took XXXX from me! Once I refreshed my account I heard a laugh and they hung up. I called US Bank back immediately to file a claim. I waited 10 business days, got sent to different departments, got false hopes. So today XX/XX/XXXX called and got the most dryest insensitive rep who bluntly said claims were denied we dont support scams. I asked her about Regulation E, she says what about it? She basically told me I should have read the top of the screen where it says we would never ask for money. I hung up. I emailed and wrote XXXX today the CEO. As a former US Bank employee this is disheartening that US Bank not only doesnt care about their employees but their customers as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: The XXXX BankReliaCard was closed on XX/XX/XXXX. I never used this card because I did not request it. When I completed my initial unemployment application, I requested direct deposit. 5 weeks of unemployment insurance money totaling {$1800.00} was sent to this card. I have been calling US BankReliacard at XXXX, since XX/XX/XXXX, to return the money to Delaware State Department of Labor so they can direct deposit the money into my checking account. I have been getting the run around by both companies and today XX/XX/XXXX, when I called two managers ( XXXX XXXX XXXX ) hung up on me. It has been more than 90 days. I need this resolved immediately. The Department of Labor when I went to their office after emailing them for months & no response to my emails only confirmed the amounts and when the money was sent each week to the card. I am frustrated that no one is doing their job.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19701
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We applied for a mortgage at US Bank on XX/XX/2022. Recently, media reported that XXXX had misreported some credit scores during this time ( https : XXXX ). We asked US Bank two times ( once via email to our broker on XX/XX/2022 and again on XX/XX/2022 through the in app messaging service ) to check and see if our scores were affected and they have not replied either time. I believe they owe us the courtesy of a yes/no answer, and if the answer is " yes '', an explanation of how the misreporting affected our mortgage rate. Thank you very much.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Account was registered with delinquent with credit bureau. In XXXX of 2022 I went into a six-month forbearance with U.S. Bank Home mortgage XXXX U.S. Bank is the lender. At the end of the forbearance I was told that the total six month amount was due and is considered past due. I argued that this is not what I agreed to. I was immediately put on a flex plan and told I could pay my regular mortgage amount. However U.S. Bank reported this to the credit bureau as delinquent. COVID-19 : Is HUD suspending credit reporting for FHA-Insured mortgages on a COVID-19 Forbearance? Any Borrower who is granted a COVID-19 Forbearance and is otherwise performing as agreed is not considered to be delinquent for purposes of credit reporting. FHA requires Mortgagees to comply with the credit reporting requirements of the Fair Credit Reporting Act ( FCRA ) ; however, FHA encourages Mortgagees to consider the impacts of the COVID-19 pandemic on Borrowers financial situations and any flexibilities a Mortgagee may have under the FCRA when taking any negative credit reporting actions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53227
Submitted Via: Web
Date Sent: 2022-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, I wrote a letter, from my location at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( where I was XXXX ), to US BANK / ELAN FINANCIAL SERVICES ( see attached letter ) requesting copies of my statements from XX/XX/XXXX on, as I had been incarcerated since XX/XX/XXXX and upon reviewing my Credit Report, I discovered past due amounts that could only be fraudulent purchases that I did not make, as I was XXXX during this time. ELAN FINANCIAL SERVICES never sent me, or my attorneys XXXX, XXXX XXXX XXXXXXXX, the requested Credit Card Statements for my review and therefore, I was not allowed an opportunity to review these charges and dispute, accordingly, or was provided insight into the fraud that was perpetrated against me to better glean as to what was purchased and where it was purchased by these perpetrators to aide in my recovery of overall life savings, etc. ELAN FINANCIAL SERVICES did not reply to my request for account statements within the 30 days required for a response, on either request of XX/XX/XXXX, or XX/XX/XXXX, therefore they have not acted within the requirements under the FAIR CREDIT REPORTING ACT ( FCRA ), and are therefore in violation of the FCRA. I never even received a notice from ELAN FINANCIAL SERVICES of any kind, period. Further, I wrote additional request letters to Also, please note that I promptly notified the FBI and informed them of these crimes and others committed against me within the attached letter to XXXX XXXX XXXXXXXX XXXX of the XXXX XXXX XXXX XXXX in XXXX, New Mexico on XX/XX/XXXX. Additionally, I have attached the XXXX XXXX First Judicial Civil Court filings against those who perpetrated completed financial and identity theft and fraud against my person, while I was XXXX XXXX XXXX XXXX XXXX in XXXX, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78617
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: In early XXXX, I signed up for a US Bank checking account after looking to see what promotional offers other banks were offering. The US Bank promotion seemed the most promising, offering {$400.00}, if I were to sign up, deposit {$5000.00} in direct deposit within 60 days, and enrolled in online banking, all of which I did. On XX/XX/XXXX, I passed the {$5000.00} mark and have repeatedly tried contacting US Bank regarding the issue, but had not received a clear answer. Today, XXXX, I was finally able to get into contact with a banker, XXXX, who informed me that due to having been previously overdrafted, that I would not qualify for the promotion. There was no such indication that this would disqualify me, and as of right now, the account has a positive balance of {$0.00}. The maximum that US Bank ever allowed me to overdraft was for {$50.00}, and I would always bring the account back to a positive balance. Keep in mind, this is something that US Bank heavily emphasizes, too. That as long as you dont overdraft by more than {$50.00}, you are safe from any OD fees, etc. I would use that feature, not thinking it would be a detriment to me receiving my bonus, especially when I would always bring the account back to current. While it is stated that a positive balance is required to receive the bonus, there was no indication of when that positive balance was necessary, and I feel completely misled by US Bank, who I believe are doing all they can to not provide me with the bonus I earned, after having entrusted them with my direct deposits from my employer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85122
Submitted Via: Web
Date Sent: 2022-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A