Date Received: 2021-03-20
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Ive called multiple times trying to get information on this particular account thats being said its mine, which isnt mine, not sure why, the company has told me multiple times they have no information about me having a credit card with them or ever having one
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33064
Submitted Via: Web
Date Sent: 2021-04-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
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 have been charged by the same merchant 4 times with at least 2 of those being after I have gotten a new credit card number. The most recent one ( XX/XX/XXXX ) charged my card after the company supposedly sent an email to Visa to block this merchant from charging my card. I have opened disputes with my credit card company for every one of these charges and have yet to hear anything back other than them asking for information that has already been provided multiple times. In fact, I had a call with a case processor scheduled to give them this information and when I mentioned that I had already provided this, she responded with I see that here, we already have it. And this was after I had to fax them the information. I have attached letters informing me that a dispute has been made. This is the only update I have received. Dates of charges : XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77657
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a debit XXXX card from US Bank ( ReliaCard ) at my home address, but it has the name of another person. I phoned USBank and after talking to several departments, I was told that they only process orders from US Government agencies and have no personal information on recipient. I checked - there is no one in our area with this name. I sent a fraud report online to our local Jobs and XXXX XXXX XXXX, but there has been no reply. I checked my credit report, but nothing shows up there. Since there has been soooo many fraudulent claims and sooo much money has been lost - I think it's been Billions!!! - I want to be sure that our address or other info hasn't been compromised!! Tell me what to do with this XXXX debit card, I have been uneasy about just throwing it away. Name on card XXXX XXXX # XXXX XXXX XXXX XXXX exp. XX/XX/24 Thank you for your prompt reply!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2021-03-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received a USBank Reliacard debit card today XX/XX/2021 for unemployment. I am most definitely NOT unemployed, I own my company and did NOT lay myself off. I have tried repeatedly to contact the state of Ohio unemployment and they hang up on you after ridiculously long wait times. USBank has a fraud form to fill out to close the card, but at the end it states I must then inform the failed government agency that I can not ever reach! This is unacceptable and I am furious to see first hand that these type of things are happening and most definitely at the taxpayers expense!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45322
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, late in the evening ( around XXXX XXXX ) I needed to get cash from a US Bank ATM. I stopped by the XXXX branch in XXXX WA ( XXXX XXXX XXXX XXXX ). A vandal had smashed the glass on the ATM but it appeared to be operational. I put in my debit card and went through a series of steps to withdraw {$500.00}. At the very end of the steps, the screen said something to the effect that the machine is broken and it cant dispense money and I didnt see any money come out of the ATM. The next day, I saw online that I had withdrawn {$500.00}. I immediately called US Bank fraud department and they started an investigation. I thought this would only take a couple days. I was told they have camera recordings and archived ATM data so surely they would see I didnt take any money from the machine and they would have records of the ATM notifying me that it was broken and could not give me money. In fact, the next day the machine was officially out of order. But then I was shocked to receive the attached letter, stating that no errors occurred with my transaction. Theres no way they could have looked at the camera video and ATM data that I saw on the screen and have come to this conclusion. Last week I spoke with XXXX XXXX, the branch manager and he reopened the case for further investigation. But he said it could take as long as 45 more days and at this point, I dont believe US Bank has acted in good faith which is why I am submitting a complaint with the Consumer Financial Protection Bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Mortgage Servicer US Bank has forced placed insurance. However I paid for insurance that was collected in escrow during the refinance through XXXX XXXX. I have sent the Mortgage servicer the insurance binder, insurance declaration page, and insurance carrier contact information multiple times. US Bank has all of my timely correspondence documented. They make it very difficult to speak with someone, and only respond by mail letters. I have called the servicer several times, and the US Bank has received my documents. On a recorded call, the representative said the insurance docs from XXXX XXXX Homeowners insurance was acceptable. However i receive a letter dated XX/XX/XXXX they are force placing insurance, raising my monthly payment. I have never received any emails or calls from US Bank. I call them back after receiving mail. I have documented emails where I have sent suffeicent coverage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card through my credit union XXXX XXXX XXXX the name of the card servicer is Elan Financial services. My payment is due every month on the XXXX. I am on time with making payments on the XXXX of every month. However, it appears I am still being charged a late fee and an over the limit fee every month. At this point, I called them and tried to get this resolved. However, they said even though I paid on time, the payment posted after the due date. I don't feel this is fair because- if the payment is made on the due date- why should I be charged all these fees? They are taking advantage of me and causing me financial distress- not to mention this card is ruining my credit worthiness.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 323XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
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 was scammed into investing with a real estate/entrepreneur money making scheme called the Will to Win method. This company is know as XXXX XXXX and enticed individuals to open credit card accounts to pay for their educational services. In XX/XX/XXXX the Federal Trade Commission issued Preliminary Injunction Order : XXXX, requesting XXXX XXXX to suspend all activity for services in connection with advertising, marketing, promoting, or offering for sale of any goods or services for making false claims. On XX/XX/XXXX the Federal Trade Commission filed the " Second Amended Complaint for Permanent Injunction and Other Equitable Relief '' Case No. XXXX vs. Zurixx LLC and XXXXhe case is still pending resolution. The permanent injunction is attached. XXXX XXXX assisted and enticed me to open this account and charged me for their services which were deemed fraudulent by the Federal Trade Commission. I've attempted to contact to resolve this issue with US BANK with no assistance from them. Countless hours have been spent trying to remediate the fraudulent charges but they do not agree. This has severely affected my Credit Score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23451
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We have a mortgage on our house. Last year around XXXX we had our house roof replaced due to many hail storms. Our insurance company, XXXX XXXX, sent a series of 4 checks over the next few months. The first one went through and was deposited. The next 3, however, did not and we found out US Bank now held the mortgage and had to sign off on them. We contacted them and they informed us the checks had to be sent to them in Arizona and this is where the lies and disrespect begin. Since this had been going on the roofing company was asking for payment. We informed them of what was going on and they agreed to wait a while. US Bank said send the checks to them so they could endorse them so we could deposit them and pay the roofers. My wife sent the checks overnight at our expense and included a return also at our expense. Over XXXX in cost actually. So we wait and wait and a couple of weeks later they send them back, not endorsed! We called them and they wanted to dispute that saying their records showed they had been endorsed. We had to make multiple calls and finally had to do so from a bank to get them to understand they had not endorsed them despite what their records show. This took a couple of weeks. The roofing company at that point really wanted their money. So we again send them back to US Bank in Arizona after calling them and we are informed they will overnight them back. Still waiting. Each time I call I am told a supervisor is dealing with that and that ends the conversation. I tracked the checks and no they have not been sent overnight to us. More blatant lies for no reason from US Bank. So today I get to contact the roofing company. If they demand payment I get to go to our bank and see about a loan to cover this. The response from US Bank? A supervisor is dealing with this. We did nothing wrong and this is so unfair. We are out close to XXXX now and more time than we should have had to deal with this all because they made a mistake which we have to fix.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73533
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-19
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: We had a bank loan with US Bank we wanted to pay it off early. I called in to get our pay off. By doing automatic payments we were paid ahead 1 and 1/2 years. So my next payment was not due until XX/XX/2022. I asked if some of those payments could go on the principle thinking that would lower my payoff and they agreed. We put the last 12 months toward the principal. They told me it would take about 2 days to complete. 2 days later I was confused when my payoff went up. After some quick investigating I found out They now added late payment fees on to the loan. I called US Bank customer service and they said they fixed it and I paid off the loan. Payoff was about {$8900.00}. 3 weeks later I was looking at a pickup and needed a loan but was turned down. I found out my credit score went from over XXXX to just over XXXX because US BANK Reported I had missed payments. Once again I called US Bank They said they could clearly see what had happened and I would have to file a dispute and it would take about 3 months to process. I was refused a loan I need to get the pickup I need. Even from US Bank because of my now Low credit score. I called US Bank back, they told me they can see that they made a mistake but they can't ok the loan until the dispute goes through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2021-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A