Date Received: 2021-12-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: US Bank Keeps Locking my debit card wrongfully, and illegally a screenshot was sent to you guys showing I marked a transaction as valid via fraud text and your bank still kept my card locked and refused to monetarily compensate me for weeks of not having access to the monies in my card answer was sent on a cfpb complaimt about a prior issue with my account thats still not fixed! Your bank is ignorant. Us bank does not care for the customers doesn't like to fix the problems their bank creates and has horrible managing and or cooperate officers, and does show compassion for their customers. This problem was reported to the CFPB twice and you still failed to fix the issue! Your bank is a joke!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Received a hair treatment Olaplex and Flat Iron on XX/XX/XXXX. However, the stylist used a wax which made my hair turn stiff as opposed to flow with body and volume. I called the next day on a Monday to inquire about this issue. I was informed the person whom was available to do my hair was leaving within two hours. I was unable to make it there within that time frame. Shortly after this I had symptoms of XXXX and quarantined myself for several days. Yes, I experienced other life issues which detained me. I went to the store XXXX and spoke with XXXX the general store manager to explain the above. Meanwhile, the next day the salon manager explained to me the stylist that did my hair is no longer with company and unable to redo The salon manageXXXX explained to me that their employees do not work without a commission, and I would need to pay for the new stylist. My response Is it my fault the stylist is no longer there. I said this will not work. I wanted to speak with XXXX but, I realized it would be redundant as I spoke with her initially. The salon manager hung up without saying bye. From the conversation it was evident she was not interested So if I will need to pay for the new stylist to correct my error. I need to have my previous service refunded because of the error in the result of my hair. The error was verified via the stylist and it was to be redone initially the next day but I could not make it there within the two hours given. With COVID guidelines I want to make sure that I am not passing on any symptoms and possibly virus to the public and I was in quarantine. It does not seem fair that I was not able to make it there accordingly and now I need to pay for a new stylist due to an error by your employee and I am being accountable for the redo at my own expense regardless to the fact my hair was UNSATISFACTORY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UNITED STATES MINOR OUTLYING ISLANDS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-22
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Received a letter from U.S. Bank cardmember services in XX/XX/XXXX stating that my visa platinum credit card interest rate would be increasing XX/XX/XXXX, the rate will be increased from 13.99 % to 18.99 %. called cardmember service on XX/XX/XXXX to find out why, they stated current account pricing and credit bureau information is what they used to determine the increase. Have a service from another credit card company that monitors my credit and there is no derogatory reports. My history with us bank has no derogatory history, my balance with u s bank credit card is well under my credit limit the monitor service i use is same credit bureau as they used to come to the decision Later the same day talked to representative at u s bank who agreed that i should file a complaint because it wasn't fair that they raised the rate, but she said there was nothing she could do to help me with my concern. I have 4 other credit cards thru other institutions that hav n't changed. I have had this credit card for 20+years with no problems. U.S. Bank XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 410XX
Submitted Via: Web
Date Sent: 2022-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On XX/XX/XXXX Reliacard restricted my account. They told me for suspicious activity. I had a transfer in place to my fiancs account, and I didnt think to wait til it cleared to update my address on the app..apparently they flagged my account demanding I prove identity. I uploaded my documents assuming all would be good and the next thing I know on XX/XX/2021 they tell me they closed my account. Since then we have lost everything. They refuse to give us more information than the funds are being sent back to your state agency. Oregon Unemployment has no idea or information whatsoever on this transfer back to them from Reliacard. Its over {$5000.00}. There is also a transfer that was in progress when they closed my account for no reason, and it has not shown back up. There were three all together that should have been returned from limbo after the account closed. I only saw that two made it back.so since XX/XX/XXXX I have called unemployment in Oregon and Reliacard, as well as uploaded further documents to Reliacard to verify and prove my identity. They have given no date for the return of my money, and they continue to be vague and totally misleading when I ask or call. Since this I have lost my XXXX diesel truck to a lien not being able to pay for the repair fees, Ive lost my home being as I can not tow my home since my truck was basically stolen from me, I lost clients I had just landed, I basically have lost everything. This is not a joke this is really happening to me. Please can someone help me..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have a HELCO with US Bank. We had a Covid-19 hardship. My husband had to switch jobs last year, due to a lack of work and a decline in pay. He found a new job and took a $ XXXX pay cut. During that time I contacted both US Bank and our first mortgagee ; both allowed us to stop making payments and advised that there would be programs to assist us after the fact. I contacted our first mortgagee, explained that we were in a good position to resume payments, and completed the modification process with no hassle. It was remarkably easy to contact them, get into the program and complete the modification. We have been making payments as scheduled. For the past several months I have tried, most unsuccessfully, to do the same thing with US Bank. Each time I call it's " not the right department '' ; after an hour on the line, I'm passed to no less than 5 people and ultimately, the call is disconnected. I have a family and a job and other volunteer positions. I do not have the time to spend countless hours calling US Bank in a fruitless search for the " right department ''. I've tried to ask for supervisors, the correct dept. and always get a phone number of where I'm being transferred. I have called the following numbers on these dates : XXXX : XX/XX/XXXX ( I called twice ), XX/XX/XXXX & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX ( I called twice ) XXXX : XX/XX/XXXX & XX/XX/XXXX XXXX : XX/XX/XXXX ( I called twice ) & XX/XX/XXXX ( I called 5 times ) XXXX : XX/XX/XXXX XXXX : XX/XX/XXXX On my last attempt to call, I was given an email address ( XXXX ) to send my request and was told that I'd get a response in 2 days. I sent an email on XX/XX/XXXX ( 13 days ago ) and have received no word back. I have received a letter dated XX/XX/29 regarding foreclosure action, and I'm very angry. I just want to have my HELOC modified so that I can make affordable payments. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28451
Submitted Via: Web
Date Sent: 2021-12-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was on military leave and did not have access to the internet to pay bills during that time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 984XX
Submitted Via: Web
Date Sent: 2022-02-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Spoke to XXXX from relia card she won't credit provisional the account for a dispute where it is infact in the card agreement that they have 10 business days to do so section 17. subsection D. I would like to have a provisional credit asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. Here is the last response from your side. As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47906
Submitted Via: Web
Date Sent: 2021-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2021 I opened a new checking account with US bank online in respond to their checking promotion. Then on XX/XX/2021 I received an personalized email offer from US bank with a subject line " 'Enjoy {$300.00} on us! " and message titled " Kick start your savings with a {$300.00} bonus! '' ( See attached screenshot ). It invited me to open a new savings account with $ XXXX and maintain the balance in the savings account through XX/XX/2021. When i first received that email i wasn't sure if it was a legitimate email from US bank ( i thought it could be fraudulent because it had no promotion code in it ), so i decided to verify with US bank. I called their customer service on XX/XX/2021, a specialist named XXXX XXXX was the person i spoke on that day ( and subsequent emails and phone correspondences until today ). I explained to her just like i explained above, that i opened my checking account recently and now received this email invitation but i wasn't sure if the email was legit. I forwarded that email to her while we were on the phone, after she did some research she confirmed the legitimacy of the email. So i asked her if i could indeed participate in this savings promotion since i just opened the checking under checking promotion. I also asked her to double check if my checking promotion code was attached to my account properly. Because it was known that sometimes promotion code would drop off durling online application process. But she confirmed the checking promotion code was attached properly. As far as the savings promotion she said she had to do some more digging and she would give me a response the next day. I told her i will definitely not apply for a savings account if she can't confirm that I'm eligible for that savings promotion. So our phone conversation on XX/XX/XXXX ended there. Then next day on XX/XX/XXXX i received email reply from XXXX XXXX that she has indeed verified, " so yes it is good to go! YAY for more money! '' Those were the exact words she used in that reply ( see attached email screenshot ). But XX/XX/XXXX passed, and i don't see the bonus posted so i contacted XXXX XXXX again, at first she claimed she don't know anything about it. So i forwarded her all our previous email correspondences to " refresh '' her memory. Then she apologized and claimed she forgot because they don't keep email history. After doing " more digging '' she came back and told me that the bonus will be posted 60 days after XX/XX/XXXX. At that point I really don't have much confidence left. I said i doubt it would happen and she said to just contact her back if don't see the bonus after XX/XX/XXXX. On XX/XX/XXXX i emailed her again letting her know still no bonus, she replied she will do a research form for me. Two weeks passed and still no response so i emailed her on XX/XX/XXXX that i will be filling a complaint with CFPB about this. And she replied finally, told me that i am not eligible for the savings bonus because i have received my checking bonus, she said i can't have both the checking and savings promotion. I am speechless!! From XX/XX/XXXX to XXXX, after 10 months we are back in the square one, but with totally opposite answers. She literally wasted me 10 months and $ XXXX for nothing but lies. And this is my experience with the US bank customer service, where trust and integrity are all lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38016
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-12-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: First they canceled my card for NO REASON. Then they reinstated my card after I told them I wanted them to CLOSE my card and I transferred the balance to another bank. I received a letter in the mail telling me they received my request to CLOSE my account. On XX/XX/XXXX I called to find out why my card was not closed. I was told it takes a billing cycle. Today is XX/XX/XXXX and I had to call again because my account is not CLOSED. EVERY SINGLE time I have to sit on hold 1/2 hour to get to someone who tells me they can't do anything. This time he said it should be closed. But he can't tell me why it isn't, or what will be done to close it or WHEN? I want my credit card CLOSED. This is ILLEGAL TO REFUSE TO CLOSE MY CARD. I HAVE A ZERO BALANCE. I DON'T WANT TO DO BUSINESS WITH THIS XXXX COMPANY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89117
Submitted Via: Web
Date Sent: 2021-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A