Date Received: 2021-06-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: This bank always gives me a hard time when applying for credit I applied recently for a credit card they trasnfer me everywhere and dont help they dont care about me I have a fraud alert on my credit I called to process my app their system said it was pending then they tranfer me said its clear they lie to me I asked them why they would decline horrible bank they really dont like me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11365
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I have a credit card from US Bank and they have reported 30 day late payment in XXXX of 2020. I was not late and have tried to get them to look into but I am not getting anywhere.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2021-06-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-22
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Us bank stole {$170.00} from me and lied saying they paid merchant. XXXX XXXX banker told me {$170.00} went to bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91740
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/2020 I Applied for a Refinance thru my current Lender US Bank which took over XXXX mths to close without any reasonable or good cause. I requested multiple times to my agent a Supervisor or a Response and it just dragged for what I truly believe was a Discrimination due to my XXXX and my sons XXXX. In XXXX I finally closed after my persistence with them and in XXXX I also involved HUD to do an Investigation which I am currently waiting on decision. I honestly did not expect this treatment from Us Bank nor I want this to happen to another person due to their ethnicity or XXXX. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32822
Submitted Via: Web
Date Sent: 2021-07-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-21
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Two USBank credit account were opened in my wife and Is name. They are not will to budge with us that these are identity theft accounts. Claiming we opened them. Which we did not! They are listed as Chargeoffs on my credit report. I pay all of my credit accounts on time. If I had opened these accounts. They same would have been done with theses.I have filed a police report and FIC report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43235
Submitted Via: Web
Date Sent: 2021-06-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Other transaction problem
Subissue:
Consumer Complaint: This complaint is only a part of my issue with reliacard services, but most recent is a deposit into my account of {$2700.00} on XX/XX/XXXX at XXXX XXXX. A unauthorized bill pay transaction of {$2000.00} was made to a " XXXX XXXX '' at XXXX XXXX on XX/XX/XXXX. It was not made to me, I wasnt even aware that a deposit was made into my account until XX/XX/XXXX. That is when i moved the remaining {$720.00} out of that account and called reliacard services. At first, they were very helpful and assured me that i would get my money back. We started the dispute and they said they were sending the forms. ( I'm not sure of the exact dates of when i called back to ask about those forms, but i do know how many times i called, it was 5 times ), and never received them. Actually, reliacard services never called me or wrote me back. But, they assured me that they were working on my dispute everytime i did call. They would ask me questions about it, then put me on hold for 30 mins, then transfer me to someone else i would have to explain the whole situation too again. Always ending in saying that my dispute is being worked on. After never recieving the forms I asked about their policy stating if it takes more than 10 days to complete their investigation they will credit my account with the money. They said because i never returned those forms i never recieved that they couldnt do it. I was angry, but I believed that i would get that money eventually because it is so obvious that it wasnt me that got that money. After a few weeks i called back, talked to a district manager and she said, Mr. XXXX your dispute is still in process but everything looks good. She says she was looking at it and looks good just to call back in a week or 2 to check on it. I waited longer than she said to because i felt intiminated and totally disrespected by them, but when I called it was the first week of XXXX. This is when I literally started to cry on the phone because reliacard services informed me that there was nothing that they can do. And, there wasnt any dispute with that transaction because with bill pay it worked differently. I said, so who do i need to talk to now very calmly and she answered me angry and annoyed by my question with the same answer, that there was nothing that they can do and they dont know what to tell me except call bill pay. 3 1/2 months I waited to be told that there is nothing they can do, period. i asked a couple more questions, and she very annoyed said Mr. XXXX Im sorry but there is nothing else we can do.I called Bill Pay, they told me that they shouldve never had me call them and apologized to me and said that it had been too long to do anything about it even if they could. That i needed to call reliacard.Reliacard does not want to help me, Bill Pay says they cant help me and i have no idea how to help myself but my money is gone! I would like to see if you will please take the time to review my transactions, and hopefully listen to my phone calls to reliacard ( because it always states our phone call is being recorded ), and please look in to where that {$2000.00} was sent. Because according to reliacard services, they dont know. Also, if you can not help me can you please recommend me to a law firm that takes this type of case. Because the other part of my complaint with reliacard services is that I never recieved my unemployment benefits from XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX or XX/XX/XXXX. Thats why if you can not help me with this, i need to hire an attorney with the help of an investigator to go back to look at those transactions or ATM withdrawals and physically see that i did not recieve those funds. And now since reliacard has treated me like a piece of XXXX, i want to make them pay legally everything they owe. And, I know I will win because its the law and for the first time in my life i have the law on my side! Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78238
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: XXXX I contacted US bank to dispute fraudulent charges. Was told my card was blocked but they continued to allow charges to go through for 2 days XX/XX/XXXX I was notified a new card was being sent XX/XX/XXXX I was notified another card was being sent XX/XX/XXXX I receive a card with the exact same number as previous card. XX/XX/XXXX I contacted bank and was told anothe card was issued due to mistake. They blocked this second card and told me that they would 2 day me a new card which should have arrived today XX/XX/XXXX I am told the card should arrive tomorrow XX/XX/XXXX no card is received I called and was told that there was no rush put on the card and I would have to wait for regular mail. Spoke to XXXX XXXX and was told I would have to wait for card and that was it or I would have to pay to wire money to a new account and pay for it. She refuses to reimburse me for this. I was lied to on numerous occasions and now Im sitting here with no acces to my money to buy groceries or gas meanwhile I am a single mother to a XXXX XXXX XXXX son and I need to buy groceries for him and get gas in my card. I was transferred from one person to another with no resolution to my issue. Us bank does not care about its customers and is holding my funds XXXX due to them not being able to do their job correctly. Was told that they would pull the call records and couch the banker that told me the lies. I am so disgusted. I am also 100 % XXXX veteran with XXXX and this whole situation has aggravated my condition.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31069
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Complaint about promised " new '' revised Line of Credit 10 year loan. Monthly payments and scheduling was promised last year in Summer. My 15-year LOC expired last XXXX and a new 10-year Line of Credit was to rewritten with forwarded new monthly payments by end of summer 2020. I was receiving monthly collection letters starting in XX/XX/2020 with no monthly promised payment plan. My monthly statement in XXXX said I owed apprx. {$3900.00} in back pay with no explanation for amount. I have tried to contact local and corporate management on the issue with no success. Today, I still have no monthly statements for payment so I haven't paid anything. I have spoken to at least 60 people from US Bank who have avoided the issue and not helped me gain a monthly payment plan. Today I am receiving a monthly statement that has escrowed to over {$11000.00}. that they say I owe. I still have no monthly payment plan online ( my account ) with explanation on Principal and Interest per month owed. I have met or spoke to may names ( which I have documented ) since XX/XX/2020 that have not solved this neglected issue and made several promised statements to get back to me and solve this ongoing escalating problem. I could have been making payments since last XXXX if I had a payment plan that was promised last summer. I started a new position last XXXX and could have been on board making payments if US Bank followed up with what several managers and VP 's promised. I need to get this resolved ASAP,,,,, this is ridiculous and has gone on way to long. I have the billings and names of correspondence that have made promises and never solved anything or avoided getting back to me. My credit rating also has suffered because their neglect to solve this major issue. Poor Customer service from bottom to top of management chain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53151
Submitted Via: Web
Date Sent: 2021-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-19
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: US Bank-Relia CardOn XXXX XXXX, I made a card to bank transfer. Ive called multiple times to have this issue investigated. Each time they said they would open an investigation, and did not do so. On Tuesday, XXXX XXXX, a rep finally opened up an investigation. When I called in today, I was given a trace number and told by the rep, that was all he could do. Then I requested a supervisor, XXXX came on the line. He was very rude, over talked me, and then sati made a transfer to the wrong account. After this, he stated that he could see where money had actually been transferred to the account in question. XXXX stated he could not give me information over the phone and suggested I call my bank. After calling my bank, for the third time and giving them the trace number, they still had no information regarding the transfer in question. When I called again to Relia Card, I was told by XXXX, from card holder services that I had to call US Bank. The rep from US Bank, stated the they lent their name to Relia Card and do not have any information about my card, and I do not have an account with them. Upon calling Relia Card again, the rep was rude and gave me the trace number again to call my bank, stating nothing else could be done by Relia Card. Im still {$2000.00}, the amount of the transfer, and they are refusing to provide any additional assistance. No investigation has taken place. This is very frustrating. This is my unemployment compensation and I need it. Hopefully, you can assist me with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76710
Submitted Via: Web
Date Sent: 2021-06-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A