Date Received: 2023-12-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My us bank reliacard account froze my account during covid pandemic I can not remember how long. Or when exactly it began.. but there was a balance of XXXX in my account and I could not. Access funds .. i. Called and and called and called usbank.because there was no notice of anything wrong with my account and. I needed the money to survive... I couldn't transfer money or use the card at ATM. I can't believe how difficult it was dealing with the issue my ex girlfriend _then current _girlfriend. And I were left on the street and I was told by customer service there was nothing. I could do. I lost everything because there was no solution... Other. Than call unemployment, I contacted unemployment office after a few days of the line being. Busy or just not working and waiting on the. Fone for hours.. no. Solutions.. I couldn't pay the phone bill I lost the ability to have the convenience. Of using I ter et.. I can tell. You the mailing. Address of where the uscard was sent to XXXX Texas originaly and where the address was changed to after the account was froze... But I have absolutely no documents because my ex wife and I had problems communicating and getting. Along because of personal issues and but. My name and. Social and I haven't changed my fingerprints
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78154
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Been making regular payment to US Bank. Usually more than minimum required, but the minimum required payment keeps going up. When I called them, all they wanted to talk about was the interest charges. I told them I understood interest, I wanted to know why monthly required about kept increasing. When I asked about some relief on this account because of limited income, they referred me to a credit counselor. They did not want to discuss my problem.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: The Card was stolen and it's affecting my credit report Account # : Account Type : XXXX Account Type - Detail : XXXX credit card XXXX Code : Individual Account Status : XXXX Monthly Payment : XXXX Date Opened : XX/XX/2017 Balance : XXXX No. of Months ( terms ) : XXXX High Credit : XXXX Credit Limit : XXXX Past Due : XXXX Payment Status : XXXX Last Reported : XX/XX/2017 Comments : Credit card lost or stolen Date Last Active : XX/XX/2017
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I called on XX/XX/XXXX at approx. XXXX XXXX on my XXXX XXXX credit card backed by the ELAN bank. My statement due date was XXXX XXXX XXXX and my balance was {$970.00}. I paid on XX/XX/XXXXXXXX {$630.00} and also an automatic payment of {$65.00}. So on XX/XX/XXXXXXXX my balance was {$270.00} which I understand the APR interest of 28.24 % would be charged. By my calculations would be {$6.00}. They were charging me {$21.00}. When I called they explained that no matter my balance left over, they would charge interest over the total statement balance. I asked for a supervisor ( XXXX XXXX and she stated the same thing. This went on for about a half hour explain to them that interest should only be charged on what was not paid off. She reviewed my records and reversed my charges after I stated I would file a claim with the CFPB. I will be paying this card off and not using it in the future. But I infer that this is how they charge other customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46342
Submitted Via: Web
Date Sent: 2024-01-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: on the XXXX of XX/XX/2023 I received funds issued from ky XXXX XXXX to my US bank reliacard in the amount of XXXX. I went through the process of activating the card and asked to speak to representative to make sure I had done it correctly. It had been immediately frozen, due to the bank placing a note on my account that was for another person and account all together of which myself nor Ky housing had any idea who they were. They stated I had to fax in my identity documents and that of XXXX XXXX who I had no idea who was so how could I send in her documents. They just kept blaming ky housing for making a mistake. Ky housing called them and discovered that someone with Us Bank had put a note meant for someone else on my account. They still needed my documents for over a week kept giving the same fax number that literally did not work, I repeatedly called and begged for another fax number or another way to get them my documents, so we could get this fixed before XXXX that money on my card was going to their gifts. They refused to give me any other answer for over a week. Finally, after asking several times they allowed me to speak with a supervisor who gave me a working fax number. At this point everything was straightened out and they just needed these from me. This was on XXXX. I call the next morning to verify they received it and makesure they were making good on their promise to unfreeze my account, and this time they my documents were to dark and I would have to return to the store here to fax them again and have them adjust the lighting on the documents. Which I immediately went and did trying to work with them to get this done as soon as possible. Ive literally begged and pleaded with them since the XXXX of this month. Have jumped through every hoop they asked, had the government agency that issued me the card the benefits contact them personally and verify all my information that Us bank had made the mistake, and requested that it be corrected as soon as possible cause Ive already been with out this money since the XXXX for absolutely no reason at all. I called again today to check in, and the representative wouldn't even take the time to read all the million notes in my account, said highly unlikely anyone would get to this today either and that now its looking to be into XXXX. Even though they were just fined for freezing benefits card during the pandemic, they are continuing to do so, and giving no reliable or outdated information on how to correct it. Even after doing everything they request they continue to find some other way to drag out unfreezing the account. What bothers me is that they know this money is my kids XXXX money, and they could care less, they have my identity documents, they have the verifying information from ky housing, their is absolutely no reason for them to keep holding my money and yet they continue to do do.. Because of them my children wont have a XXXX this year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 423XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: During the pandemic of 2020, I was receiving my XXXX funds on the u s bank reliacard, with no issues for months. Then upon the emergency relief aid from the XXXX came more relief funds, as The crisis became a longer shut down. Well outta of nowhere I was blindsided by the last XXXX to XXXX weekly XXXX deposits being frozen by USBANK. For months upon months I offered to ID VERIFY, send info, or fax anything .... they went of no assistance and they were unreachable during the pandemic for the most part. They always redirect me back to the XXXX office which redirected me back to them because they were the ones doing the illegal activities. I was left in great distress because if this and face painful hardships because of them, that still leaves me feeling victimized, enraged, and extorted. I would like every single dollars of my hard earned tax dollars Unfrozen and claimed to me via a direct deposit or check. Not certain, but I'm surely owed about {$1200.00} to {$1600.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80910
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My money was stolen from my card I don't know how it who did it but I have seen on internet that this had happen more that once. I bought a XXXX gift card at a XXXX XXXX XXXX XXXX and my card was stolen not physically but somehow it was hacked into and was used all the way in XXXX California XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the first purchase was that a XXXX XXXX XXXX XXXX {$30.00} the second one was for a purchase of {$9.00} now how did this happen I got the card on XX/XX/XXXX and the card was used by XX/XX/XXXX and this gift card I was actually trying to purchase a gift for my friend I contacted the people at the prepaid gift card balance number and for some reason they told me to call back in 10 days and yet even still now there's no resolution for no refund and it's only {$40.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-24
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I opened a checking account on XX/XX/2023 with US Bank to receive the {$300.00} bonus. Completed the {$5000.00} qualifying deposits within 90 days of opening the account, and 60 days after the 90 days - I have not received my bonus ( XXXX is the deadline for deposit ). Called numerous times, and now I am told that there was an error with depositing bonus for a group of customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2023-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-23
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: Well early this year about XX/XX/2023, I've had approximately {$10000.00} in Charges. I had another card with 7 % interest, so I sent approximately {$7000.00} from that card to USBank in order to get my monthly payment down to a comfortable level that I could afford. My balance was only approximately {$2500.00} at the time. I was happy with that because my minimum payment due was {$40.00}. It went from about $ XXXX {$40.00}. So naturally I wasn't going to use my USBank card anymore because of the 28 % interest. In the last 3 months I only used this card very little in the last 3 months and then my card was shut off due to fraud is what they told me. The USBank customer service rep told me that in the past 3 months over {$14000.00} was charged to this card. That did not happen, and I have a feeling that the fraud is within the Bank itself. Just like the XXXX XXXX fiasco. They sent me the statements and I can not make heads or tails out of them. Because of this my credit score dropped from XXXX is what they told me. I really do think that this bank is corrupt. I mean what customer that makes an effort to pay down his interest rate is going to turn around and then charge {$14000.00} to that same account. Plus I pay all my other XXXX credit cards are on time including this one. I feel that I am trapped with these people and had a zoom conference for bankruptcy. I don't want to go that route. Please help!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 609XX
Submitted Via: Web
Date Sent: 2023-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-22
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: My Fidelity Investment credit card was compromised twice in the last two months. I have opened fraud investigations and I spent more than an hour on the phone with a representative and at the end of the call, I asked the representative how much I had to pay this month and was told that I did not have to pay anything because I had all these wacky charges on my card and I had already paid during this billing cycle. Several days later, I was charged interested and late fees on my card balance. 1 ) I ask that the company remove the interest and late fees. 2 ) Help me sort out how much I owe on this card as I simply can not figure it out. Too many items are in dispute status, and some are not, and I can not figure out the calculations. 3 ) Work out some interesting/penalty free way to finish all the disputes and get the credit card balance to XXXX. -- I can't figure out what is going on because there are thousands of dollars of fraudulent charges on this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21784
Submitted Via: Web
Date Sent: 2023-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A