Date Received: 2021-11-12
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I collect unemployment from XXXX. From XX/XX/XXXX to XX/XX/XXXX my US Bank ReliaCard was compromised for over {$12000.00} I contacted the bank and they opened a fraud investigation in XX/XX/XXXX I didnt get a results back until XX/XX/XXXX and they said they denied it I re-opened it up and they denied it again on XX/XX/XXXX I submitted paperwork stating every transaction that was fraud from XXXX to XX/XX/XXXX that sent me a print out of all my transactions and asked me to outline them and explain which was for fraud and so I did they credited my card {$1400.00} from them from the charges from the month of XX/XX/XXXX you can look at my charges and its very clear that they are fraud its the same companies over and over again making multiple multiple transactions I called today XX/XX/XXXX and talk to the supervisor in the fraud department at XXXX ReliaCard and she informed me that they had found that my case was not fraud I would not lie about this I can go to federal prison I feel like Im being totally cheated out of money because they dont wan na pay me I dont know what to do I have followed all the proper steps Ive submitted all the proper paperwork and I also called 13 vendors that were on my print out which is not even a fourth of them and they told me they did not know why I was calling them because that was not my job but they did look and tell me that they had no paperwork from US Bank ReliaCard stating anything about me so how can I find that my case is fraud if they didnt even investigate it. This is been a year now been fighting this and I still get the same answer they dont see any fraud in it but they havent even investigated it is just called me financial burden XXXX XXXX and major XXXX now if you can give me back {$1400.00} for the month of XXXX which is not all the charges obviously this is a fraud on my account I have called and reported every time I transactions with you that I did not authorize please help me I need my money this is absolutely ridiculous I dont wan na have to pay a federal lawyer I know one but he charges over {$500.00} an hour and I dont have the money to do it so please help me my name is XXXX XXXX my XXXX XXXX is XXXX or XXXX please help me I need your help the number to U.S. Bank ReliaCard XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have a HELOC with US Bank. I refinanced with a different bank and a payoff check was sent to US Bank and received by them on Friday morning, XX/XX/XXXX. I called them the following week and was told to call back on XX/XX/XXXX. I was told at that time if they haven't loaded in my payoff that I could place a search for the payment. On XX/XX/XXXX they refused to trace the payment and was told it would take 10 business days from XX/XX/XXXX, which would bring me to XX/XX/XXXX... that I should call back then. In the meantime, the monthly mtg payment is due on XX/XX/XXXX and I advised them that I would not be paying it since they have a payoff check. In fact the payoff from the current bank overpaid my loan by {$510.00} which is due to come back to me. I was then told that I needed to make that payment for XX/XX/XXXX. I told them that it was rediculous to owe me money and expect me to make another payment on this loan since SOMEWHERE there is a payoff check sent to them and received ( XXXX confirmation and person who signed for it ) but they are insisting that if it isn't in their system, I would be charged late fees. What I am most afraid of is that I wait till XXXX XXXX to call them and it still is nowhere to be found and then at that late date, they put a tracer on it ... and it goes into XXXX and now I have to make two mortgage payments, not one. One to a bank that was already paid off and the other to the new bank. I CAN NOT AFFORD two mortgage payments. I am upset that they don't feel one week is enough time for them to start the tracer now. If it hasn't been entered yet, how do I even know it will be? Anything you can do to help me is greatly appreciated. The customer service people I spoke with at US Bank refuse to give me to a supervisor above them that could help and would not bother to check with the loan department to see where the check could be. They wouldn't even notate my account that a loan payment was sent so that I am not responsible for any further payments until they find the check. It's just rediculous talking to them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 308XX
Submitted Via: Web
Date Sent: 2021-11-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I received a letter from US Bank dated XX/XX/2021 stating, " We regret that we are unable to establish an account for you at this time because we are unable to verify identification information on the application ''. I did not apply for a credit card from US Bank ( XXXX ) and I tried to call the phone number on the letter ( XXXX ) to inform them and get more information but I was on hold 30 minutes and no one answered my call. I called several times Monday XX/XX/XXXX and Tuesday XX/XX/XXXX with no luck. The REF # on the letter is : XXXX. It stated the creditor and issuer of this card is U.S. Bank National Association.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53214
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My name is XXXX XXXX and I am sending this request myself to address the inaccuracies on my Credit Reports. The Credit Bureaus are reporting inaccurate information on ELAN FINANCIAL SERVICE. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a letter from the XXXX XXXX XXXX department saying they could not issue me a credit card -- I had never applied for a XXXX XXXX card. Yesterday, I received in the mail, a credit card from US Bank -- I had never applied for. I called the security department of both of these entities and told them that I did not apply for the credit cards. Whomever applied has all my personal information including address, social security number, dob, etc. The only thing they didn't use was my correct email address. The companies could tell me that the applications were made on line and used a XXXX e-mail account ; which I do not have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 330XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-11
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: A bank account was opened in my name at XXXX that I had no knowledge about. I only found out due to getting a statement in todays mail ( XX/XX/2021 ) I called the phone number on the statement XXXXUS BANKS ( XXXX ) and asked some general questions. I was asked for the Account Number which I was able to provide being that it's on the Statement. I was asked my DOB and last XXXX of my SS # and they had all of that information about me. The account was opened via the internet on Wednesday, XX/XX/2021 and Closed Monday, XX/XX/2021. I filed a Consumer Report To The FTC ( Federal Trade Commission ) Wednesday, XX/XX/2021. My FTC Report XXXX is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 937XX
Submitted Via: Web
Date Sent: 2021-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: During XX/XX/XXXX, I applied with US Bank to refinance my current loan with them. Company found problems accessing VIN verification document that should have already been in their documents from the initial finance. Since it had taken months, and no headway was being made, I queried my Loan Customer Service on resolution and she said senior leaders did not have a solution so I gave in. In XX/XX/XXXX, I received a notice of credit denial from US Bank. If the bank has initially serviced my loan and had all documents, I believe it is discriminatory to fail to expedite a refinance already held ny the institution, along with showing two credit accesses personally effecting my credit. Here I stand after months of waiting without a loan refi. Loan Application # : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: i have made several attempts to come to a reasonable resolution with US Bank. My forbersance ended XX/XX/2021. i have expressed that i am still in a COVID -19 hardship and my mother passed away so i am a XXXX XXXX to my Father. Also i myself contracted XXXX XXXX at my work place and have been diagnosed as a XXXX XXXX. Not to mention i am XXXX employee, which all XXXX employee had to take a 10 % pay deduction due COVID -19. i have submitted all my pay stubs, proof of hardship, letter of explanation however the always deny my documents or state there is something missing. I true believe they are try to take my home from me by delaying my application. I have always made several payment throughout my forbearance, which never reflects my total amount owed to the loan. I believe US Bank is initially trying to foreclose on my home due to the amount of equity i have in it. To my understanding the government gave many banks ( US BANK included ) money to help homeowners keep their home and catch their mortgage loans up to date. Someone please expose these banks. .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93274
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Tuesday, XXXX XXXX, 2021, I received a letter in post from US Bank, stating a credit request was denied due to insufficient information. I have not applied for any line of credit from any lender. In concern of Identity Theft or Credit Fraud, I called the number listed in the letter ( XXXX ) to a supposed " Customer Authentication Department ''. An answering services receives the call and prompts the caller to press " 1 '' if you received a letter and didn't apply for a credit card. The answering service runs for 30 to 45mins. then, disconnects. I called and waited several times from XXXX /EST to XXXXEST and never received an actual response. The credit request is obviously fraudulent and US Bank is a valid corporation. I believe the letter may be fraudulent, as well. I would like to have this investigated to find its source and intention. -With Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19050
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-10
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hi, On XX/XX/2021, I called in to close my US Bank XXXX XXXX Credit Card account. I was told by a representative that, that department was busy at the moment, so she could assist. She took some information and claimed that she had put in for it to be closed. In addition I sent in a request via fax with my signature, as double-confirmation that I wish for the account to be closed. As of this morning, the account is still fully open. I have dealt with other similar banks, that choose to utilize manual processes for credit card closure, rather than making the process electronic, and every time the bank has kept the card open despite numerous requests for closure. I do not have confidence that US Bank will close my credit card in a timely manner, and thus am filing a CFPB complaint to force them by law to do so. I do not want this account, and need for them to process the closure immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2021-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A