Date Received: 2021-06-14
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I had a lot of trouble with US Bank ReliaCard. My card and all of my personal information associated with the card were compromised on XX/XX/XXXX. After alerting US Bank ReliaCard services about the security breach, my card was locked, and it had been a nightmare trying to get restore my personal information and unlock my ReliaCard. To date, we are still disputing several fraudulent charges and waiting for resolution to unlock the card.The bank has asked me to fax them VERY sensitive personal information, a handwritten note about restoring my personal identity, along with photocopies of personal ID. I have provided everything as requested, both with my driver 's license for the first fax ( sent on XX/XX/XXXX XXXX, and a passport for my second fax per their request ( sent on XX/XX/XXXX ), and they still have not done anything to resolve my issue. We are racking up on our credit card debt to cover the cost, and I am also deeply concerned about my personal information. Out of fear, I started to pay out of pocket to monitor my identity and credit activities due to distrust of US Bank 's security system and their handling of my personal information. Right now, our family have no access to thousands of dollars of my unemployment fund. I sit on the phone for hours every day and US Bank ReliaCard has done nothing to help me resolve issues. I appreciate your advocacy for all of us who are struggling during this difficult time. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80021
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
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: I had a fraudulent charge on my account form XXXX online for {$230.00} on XX/XX/2021 I file a dispute the same day describing my account is fraudulently charged and I was told there will be a credit but on the letter they sent me XXXX XXXX the transaction was not billed and they closed my dispute on the contrary they charge me for the same amount {$230.00} I would like to get the fraudulent charge off my account specially the customer service personnel I talk to XXXX and his supervisor XXXX were very rude and lack knowledge even if I waited for a month without resolution they want me wait another month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20912
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Lost job and cant pay our mortgage until next month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
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: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2021-06-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-14
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: US Bank cancelled the Extended Warranty and Collision Damage Waivers in XX/XX/2020, but never notified us. The only reason I found out about the cancellation, it that I called about another item, and happened to ask if they were still in effect.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90292
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a bank Credit card with USbank and have had it for awhile now. Every month I pay on the card for previous months purchases. I have been calling them and finding out that as soon as I pay my card they are allowing purchases to go through on my card. Purchases I dont authorize. I only have 3 things that I want to use this card for. But I cant because I find out every month that its being used elsewhere. I am continuing to try to get them to stop the charges that I dont authorize. But they continue to allow them monthly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55434
Submitted Via: Web
Date Sent: 2021-06-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: There was a US Bank account opened without my knowledge or approval. Ive called US bank several times to let them know its a fraudulent account however they havent done anything nor investigated. Im a victim of identity theft and whatever checking account US bank is showing on their record is not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2021-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: My friend had a charge card through his credit union ( I am a member of the same credit union ) for more than 20 years. Several years ago I began helping him pay his bills and he requested that I become an authorized used of his credit card, a credit card company that partnered with the credit union. Over the years the credit union changed credit card companies several times, and at some point I was changed to co-owner of the account. I don't know when this occurred, and I was not aware of it, and my friend probably didn't notice the change either. This did not cause a problem until last year ( XX/XX/2020 ) when he died. At that time the company started trying to collect the payments from me ; that's when I became aware that I was listed as co-owner and was responsible for the payments. I tried to work with them but they told me that when they made their contract with the credit union I was listed as the account co-owner and that I was legally responsible for the debt. I didn't know what else to do, so I started making the payments. It was very difficult as my income is social security and at XXXX years of age and in poor health, I am unable to work. For the past year since his death I have made every payment but I find that I can not continue to make payments of {$110.00} every month. Today when I called the company and asked them to allow smaller payments that I could manage, they referred me to XXXX XXXX XXXX, a financial counseling service. The XXXX XXXX XXXX person told me that I should talk to CFPB. She thought that what happened to me was unfair and that this problem might be solved by this agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 784XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX my heloc loan was changed to a 10 year note with payments jumped from {$450.00} to {$1200.00}. I was proactive in contacting US Bank to get this note refinanced as a 20-year second mortgage which the US Bank Rep told me to apply for a loan modification. I received the loan modification document packet in XX/XX/XXXX ; upon reviewing the docs it puts us right back where we started over 12 months earlier, a 10 year loan with {$1100.00} payments. So a US Bank Representative directed me to re-apply for a new loan modification. And on XX/XX/XXXX I received a letter saying 'Im qualified ', for a loan modification with no terms and Ive made the required 3 trail payments of {$1000.00} a month, and now its XX/XX/XXXX and still have Not received my loan documents. I've never spoken to anyone as to the terms of the loan modification over the last 28+ months, it was my understanding the loan modification program was to help lower my payments! Well with minimal to any correspondence with emails or phone calls, XXXX XXXX, not Supervisor Mr. XXXX XXXX nor anyone working on the Loan Modification has discussed any terms of when or how the HELOC loan would be modified! I originally requested to have the HELOC loan be modified or turned into a second mortgage as a 20-year Term Loan. This was due to the monthly payment was and is still Not within our ability to pay {$1200.00}, {$1100.00} nor the {$1000.00} a month on a 10-year loan! The terms are Not the requested 20-year Term to lower the payments ; But still set as a 10-year Mortgage with a {$1000.00} a month new payment ; my current loan is HELOC Not a Second Mortgage. US Bank has wreaked my credit rating which has caused all my lines of credit interest rates to skyrocket, plus the undo stress on my wife and myself which both of us have health issues, Im 100 % XXXX, that have been aggravated by this stressful time in our lives. As stated above, Ive emailed XXXX XXXX and XXXX XXXX on multiple times with no response, this has caused great concern that the help US Bank has offered is Not Serious with Truly helping their clients!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 870XX
Submitted Via: Web
Date Sent: 2021-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-06-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Discovered US BANK did a individual inquiry ( without my permission ) on XX/XX/2020. Of course because of this, my credit score was lowered by a lot of points, When I'm trying to get my credit score higher. I contacted the phone number, XXXX and their address is : XXXX XXXX XXXX XXXX, XXXX, MN XXXX. Spoke with a bank agent and she had no clue why this happened and couldn't give me a straight answer. I'm really upset here and it appears this is FRAUD. Which needs to be addressed immediately. Need to have this removed from all three credit reporting agencies and I want my points back that was stolen, because of this fraudulent injury!! The main number for US BANK is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2021-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A