Date Received: 2022-01-23
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I purchased an item online at circut.com for XXXX dollars XX/XX/XXXX. I never received the package to this day. I filed a dispute with the bank us ReliaCard on XX/XX/XXXX. They told me it could take up to 120 days. I called to check on it periodically. Then on XX/XX/XXXX of XXXX they stated no error had occurred. I called them right away and they told me the Merchant stated they delivered the package, which they never even asked me they just sided in their favor. Author called the post office in my town and was explaining the situation and gave the tracking number of the package. The post office looked it up immediately and mailed me a letter stating that it did not come to my address and listed the address it went to. I faxed over paperwork to us bank ReliaCard fax number. I called to keep checking on results from submitting papers, the XXXX time the representative stated I would receive the money on XX/XX/XXXX when the 120s days ended. After that the next representative had told me my claim was closed and that I would need to call and keep reopening my claim. Last day I talk to XXXX very knowledgeable he apologized over and over and over again because he said since Ive been calling and everything and since I faxed in the paper from the post office that no ones even filled out the paperwork and the claim shouldve only took 120 days even after I sent in the paperwork, so and he gave me a ticket number and thats what I called them today for was to check on that because XXXX told me to call in 3 days and the lady would not even look up my ticket number she said they closed the case again and that it was in the Merchant favor. I without trying to lose everything that I have, I was like how theres no way, The receipt for where I paid the XXXX dollars .I have a letter from the post office stating that the package did not come to my house and lists the address it went to. Then she tells me that she would have the right another ticket number which I got today from her and send me the information in the mail she would not even talk to me about it and why they choose the Merchant. I did ask to speak with a manager or supervisor and she stated she was the only higher up there at that time. That being is why now filing a complaint. I will send all the documents I have to go with claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16335
Submitted Via: Web
Date Sent: 2022-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: I called the usbank at XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX at home and asked the customer service Dept at usbank how could I make a Cash advance from my pay roll credit card called Wisely credit card of XXXX to my usbank checking account Online but she for this service you would have to go into the local usbank so I went to usbank on XXXX XXXX in XXXX XXXX Ohio XXXX grocery store and inside of XXXX XXXX store is a usbank. And the XXXX Teller told me when I went up to the counter and had requested a Cash advance and XXXX money orders and withdrawal for XXXX and a cash adavance of XXXX my Wisely credit card on to my usbank checking account but the girl teller claims that the computer shut down and I would have to wait an hour before the computer shut back on and when they did come back on she gave me my money orders and she claimed that you Cash advance was completed and when I got home I checked my Bank account to see if the XXXX was in my usbank checking account but it was not there so I called Wisely credit card and asked the Lady where is my XXXX that usbank just did a Cash advance for and she said we sent that money to zaragara market place in XXXX Ohio and she said I bet you that XXXX is sitting up in XXXX XXXX place in XXXX Ohio so I contacted usbank to file a dispute but they refused to let me file a dispute for XXXX that I did not authorize to go to XXXX XXXX place in XXXX Ohio XXXX And after I found out that they did not want to credit me for all the money they had taken out of my usbank checking account because of the XXXX had made my account withdrawal or insufficient funds and they did not want to credit me back because it was not my mistake it was there and every since I started getting direct deposit check into usbank checking account they withdrawal XXXX XXXX times just before I get my check every week and I have some recurring payments that I did not authorize and since they found out i had contacted the office of comptroller of the currency in Texas they had the recurring accounts changed earased and just took my money. Every week I get charged {$36.00} XXXX times from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I filed a complaint with you regarding inability to activate my card. US bank left me a message yesterday saying they believed they had a solution to my problem. The woman asked me to call back at :. ( The line went silent ). I called the number she had called me from and was put on hold listening to obnoxious modern country music for half an hour. I hung up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: On XX/XX/XXXX of 2020 I was notified that my US Bank Focus Card had a fraudulent charge and was deactivated. I was told a replacement card would arrive within 2 weeks. I waited until XX/XX/XXXX before calling the US Bank Focus Card hotline because I knew that the holidays would slow down the shipping. When I called I was notified my card hadn't even been sent but that a new one had been sent with expedited shipping and would arrive by XX/XX/XXXX. It is now XX/XX/XXXX and my card still hasn't arrived. I called the hotline again and was told the card hadn't even been mailed yet. It's now been a full month I haven't had any access to my funds and it is all due to the incompetence of this financial institution. I would very much appreciate it if something could be done to not only ensure I haven access to my funds but to also ensure those in charge of the US Bank Focus Card can't XXXX over any other people.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: ELAN FINANCIAL SERVICE Account Number : XXXX Date Opened : XX/XX/2017 Balance : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89701
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-22
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Hi I am coming to you to talk about an account listed under my name and social that I noticed is not mine. I have sent several letters to the company and credit reporting agencies. There seems to be a confusion on the accounts being association to me and I do not take responsibility for something that is not mine. I have contacted via certified mail US BANK XXXX, XXXX, and XXXX XXXX different times. It is my understanding that per 15 USC 1692 ( g ) Validation of Debts that only way an account can be validated is by speaking with me not a 3rd party company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 354XX
Submitted Via: Web
Date Sent: 2022-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Last XXXX, my wife received a letter from US Bank. If you open a new checking account, and with direct deposit {$5000.00} more within 60 days, you will receive {$400.00} bonus. I called the US bank to confirm that I didn't receive the letter, can I open a new account to get the reward. The representative said that you can open the account on line and use the promo code : XXXX to have a same reward. I opened a new account on line on XX/XX/XXXX, and direct deposit {$6100.00} through my employer before XX/XX/XXXX. Those will qualify to get {$400.00} bonus. But I didn't receive any bonus. I called US Bank many times, they said that you will receive the bonus because the computer system will take time. I keep calling every couple of weeks. They gave me different answers. In XX/XX/XXXX, I went to US Bank Branch in XXXX, Ca. She said that she will research the issue. She gave me an answer is that the reward gives the letter receiver. I explained to her. She does not want to listen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92337
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Gift card was purchased by a relative in California. He sent the gift card to my daughter here in Texas. Tried using the card to find the card was already used in California at a couple retailers. The card packaging was sealed, card was not tampered with. Please tell me how a sealed secure gift card was used at a XXXX in California when the card is here in Texas in my possession? Called US Bank to get this resolved but now being told I need to fill out a bunch of paperwork and send them my ID and it will take 90 days. doing research online, this is a very common issue. and many consumers are being told they have no recourse. This really is too much trouble for a {$100.00} gift card for a XXXX XXXX XXXX BUT based on principle, something has got to be done. This sounds like a perfect inside job. Its apparent that this has been going on for quite some time however nothing has been done or changed within the organization. One needs to ask why? Maybe its because they have not been exposed? No internal investigations? Its the perfect scenario... sell a good, make it seem like there was fraud? Keep the money in house! Also, the fraud case I opened with US Bank will require my ID, Paperwork and will take 90 days! I am very concerned about ID theft and now they want me to release my ID for a giftcard for {$100.00}? sending them my name address emails phone numbers isnt good enough? Something has to be done!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: US Bank closed my account which included checking & credit card for alleged suspicious activity. They WILL NOT tell me when I can get the money from the checking account because " they are investigating a wire transfer into the account ''. The wire transfer came from my account at XXXXXXXX XXXX which had sufficient funds to send. I am concerned they are conducting a " XXXX inspection '' a la " Days of Thunder '' movie referring to XXXX inspection practice of leaving product they don't want to let into the country sit on the dock & rot. It has been over 30 days since I was denied access to all my accounts with US Bank & have received NO COMMUNICATION AT ALL from them. My repeated calls to the bank have been referred to a young lady named XXXX phone number XXXX ( XXXX ) XXXX in the fraud department, her working hours are from XXXX XXXX. to XXXX XXXX. XXXX thru XXXX PST according to her voicemail greeting. I have left SEVERAL messages on her voicemail with my name, phone number & requests for a call back but have yet to receive any response at all. The " bankers '' I have spoken with say there is no escalation process for them to follow when a customer seeks further information on ANY ISSUES WITH THEIR ACCOUNT. I need the money in that account to pay bills that are now overdue & accumulating late fees quickly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I applied for a XXXX XXXX ' XXXX XXXX XXXX in XXXX 2021, was approved. The card was sent to me. I used it a few times, spending approximately {$1800.00}, paying off each charge before the due date. It was a card that gave you grocery store rewards for every dollar spent. I have never received the rewards I was entitled to. In XXXX I tried to use my card at a XXXX XXXX XXXX XXXX grocery store, it was declined. I called US Bank, they informed me my account was closed, because they suspected fraud. The person I talked to told me they could not determine WHERE I was getting the money to pay my bill. They couldn't prove my checking account was actually mine. I have had the same checking account at the same bank for over 15 years. US Bank informed me I needed to send them my bank statements to prove it was my account. I called my bank, they informed me NOT to send them bank statements, that they could either have a three-way phone call with US Bank to verify my account, or they could write a letter and confirm my account. I had them write a letter. I took it to a US Bank branch, met with a banker, who faxed my account info. to the " verification dept. '' this was over a month ago. They sent me no further correspondence, no decision, no reply whatsoever. I am extremely unsatisfied with US Bank. The people I have spoken to have been extremely unprofessional, unhelpful and very uninterested in helping me resolve this situation. I have never been forced to send bank statements to a credit card company in my life! I asked the US Bank rep. to ask them why this happened. They think I am using someone else 's bank account to pay my bill!! This makes no sense! They informed me I could have them reopen my account if I sent them the information and they " did an investigation ''. Now if I go on the website where I used to pay my bill, ( the credit card 's website ) my account no longer is even listed, since I owe them no money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53222
Submitted Via: Web
Date Sent: 2022-01-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A