Date Received: 2021-03-16
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I have had a credit card account with US Bank since 2014. I have never missed a payment. When the Pandemic struck last year, I paid off the balance of {$2600.00}. I have been very careful not to incur any extra expenses this last year. My interest rate was 16.99 %. Today I got a notice saying my interest was being raised to 21.49 % and they said it was because : 1. Ratio of Balances to Credit Limits on Revolving Accounts is too high. 2. Proportion of Loan Balances to Loan Amounts is Too High. 3. Amount Owed on Revolving Accounts is Too High. 4. Too Many Consumer Finance Company Accounts. All of the above is false. I currently have {$100000.00} in available Credit I currently owe a total of XXXX in credit card across 4 Credit Cards. 22 % usage. I have a XXXX Balance on THIS US BANK CARD. I have one loan that is a Mortgage. I can not imagine what this action would have done to me if they did this to me and I had a balance due in the middle of a pandemic. My credit score with XXXX is XXXX With XXXX it is XXXX With XXXX it is XXXX. I believe this company is mad because I paid them off last year when the pandemic hit and they are not getting interest from me carrying a balance on their Credit Card. This is punitive action for me being a good customer and making all of my payments on time. This is punitive action in the middle of a pandemic because I am being extra thrifty and being careful not to spend. They have never raised my interest rate for the 7 years I have had this credit card. Likewise, they never reduced my interest rate during their " 6 month reviews '' when I was carrying a balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70119
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43606
Submitted Via: Web
Date Sent: 2021-03-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
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: XXXX XXXX ( via US Bank ) has claimed to have sent a {$600.00} payment to XXXX XXXX ( XXXX XXXX ) on XX/XX/XXXX. As of XX/XX/XXXX, XXXX XXXX has not received the money. They have contacted XXXX XXXX several times and XXXX claims no funds are being withheld. I have paid the {$600.00} to US Bank in my XXXX billing cycle. I have contacted US Bank numerous times in which they claim the {$600.00} has been sent and there's nothing else they are willing to do to help resolve the situation. Attached are two letters. One from US Bank stating that they sent the {$600.00} and a letter from XXXX XXXX stating they have not yet received the money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48843
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: Sent attached secure message to Fidelity Credit Card on XXXX XX/XX/2021, but NEVER received a response ... ...
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: 2021-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: EXPERIENCED ISSUES WITH THE PENNSYLVANIA UNEMPLOYMENT DEBIT CARD I HAVE WITH RELIACARD AND U.S. BANK. MOST RECENTLY, THEY HAVE NOT REFUNDED A CHARGE FOR {$1100.00} WHICH WAS MISTAKENLY MADE BY XXXX XXXX XXXX XXXXXXXX. WHILE ATTEMPTING A GOOD FAITH PAYMENT OF {$100.00}, XXXX XXXX CHARGED MY RELIACARD FOR THE AMOUNT OF {$1100.00}, THIS OCCURRED ON XX/XX/21. I IMMEDIATELY CALLED XXXX XXXX AND WHILE THEY ACKNOWLEDGED THEIR MISTAKE, THEY REFUSED TO CANCEL THE CHARGE AND I HAVE FILED A COMPLAINT WITH THE PENNSYLVANIA PUBLIC UTILITIES COMMISSION. AFTER CONTACTING XXXX XXXX, I CALLED RELIACARD CUSTOMER SERVICES. THEY KEPT SWITCHING ME TO DIFFERENT REPRESENTATIVES AND THE LAST ONE I TALKED TO SAID HE COULD NOT REFUND THE {$1100.00} EVEN THOUGH THEY DID NOT EVEN ATTEMPT TO CONTACT XXXX XXXX WHO COULD HAVE CONFIRMED THEIR BIG DOLLAR MISTAKE. THE REP SAID THE RELIACARD ESCALATION TEAM WOULD REVIEW THE SITUATION AND POSSIBLY REFUND THE $ XXXX WITHIN 5-10 BUSINESS DAYS. I FIND THIS TO BE AN OUTRAGEOUS SITUATION AND ONE THAT IS VERY LIKELY ILLEGAL AND SHOULD BE IF IT IS NOT. I AM A XXXX XXXX XXXX XXXX XXXX RECIPIENT WHO WILL PROBABLY NOT BE ABLE TO PAY MY BILLS INCLUDING RENT WHICH COULD LEAD TO POSSIBLE EVICTION AND MY UTILITY BILLS WHICH COULD LEAD TO SHUTOFF ( S ) THIS IS NOT MY FIRST PROBLEM WITH RELIACARD CUSTOMER SERVICE. ON XX/XX/21 AND XX/XX/21, I WAS UNABLE TO USE MY CARD FOR THREE DIFFERENT TRANSACTIONS EVEN THOUGH I HAD AT LEAST {$900.00} IN MY ACCOUNT. BY THE WAY, I AM CURRENTLY DOWN TO {$6.00} DUE TO THE MISSING {$1100.00}. I CALLED CUSTOMER SERVICE AND THEY SAID THE CARD WAS LOCKED DUE TO A POSSIBLE FRAUD INVESTIGATION EVEN THOUGH THERE HAD BEEN ABSOLUTELY NO SUSPICIOUS ACTIVITY ON MY CARD. THEY SAID THAT WAS NOT ENOUGH TO UNLOCK MY CARD AND TEXTED ME THAT I NEEDED TO VERIFY MY IDENTITY. I DID SO WITHIN MINUTES BY SUBMITTING A PHOTO OF MY DRIVERS LICENSE AND A REQUESTED SELFIE BUT MY CARD REMAIN LOCKED. WHEN I CALLED CUSTOMER SERVICE AGAIN, I WAS TOLD IT WOULD TAKE 48 HOURS TO UNLOCK MY CARD SO I MISSED SOME BILL PAYMENTS, RECEIVED SOME LATE FEES AND WAS UNABLE TO BUY GROCERIES ETC. WITH THE CARD. I AM NOT THAT TECH-SAVVY BUT THEIR COMPUTERS COULD HAVE VERIFIED MY IDENTITY IMMEDIATELY. I FEEL THAT RELIACARD IS DESPICABLE WITH THESE KINDS OF INCIDENTS AND WHATEVER THEIR RELATIONSHIP IS WITH U.S. BANK, THAT APPEARS TO BE A POSSIBLE CULTURE OF SCAMS LIKE THESE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18103
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Two unauthorized transactions occurred XX/XX/21, {$2000.00} and XX/XX/21, {$830.00}. I became aware XX/XX/21 when usbank ReliaCard had locked my account. I confirmed transactions were not authorized by me and that usbank had allowed someone other than me to change my email and text alert notices. A new card was issued but when setting up I discovered usbank still had the email used in the fraud attached to account. Us bank requested written notice which I provided and they recvd XX/XX/21. But they closed case XX/XX/21 without returning any funds to my account. I contact usbank XX/XX/21 to request any, all documents related but they would not give any. I requested the case be reopened and reviewed as these transactions werent mine. They refused. I asked for any contact that could possibly help with the fraudulent transaction but they just said they were sorry I felt that way and would not provide any information or resolution. At their request I had submitted proof of my identity shortly after first reporting fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX Bank has discontinued its credit card services. I hadn't used their card because of terrible customer service and their new points system. In XXXX they announced a new USBank credit rewards card. Upon acceptance, XXXX XXXX discontinued all credit services and passed their customer to USBank. I got my USBank card and immediately used it to pay my cell phone bill. I messaged XXXX XXXX to ask them to close the old XXXX account so 2 credit lines would not show on my credit report. I called USBank to make sure my credit was secured and their customer service assured me I had nothing to worry about. A day or two later, I tried using my USBank card at a retailer and the card was declined. XXXX XXXX asked USBank to close my credit despite the fact that was not what I asked. I called USBank and they could not explain why my account was deactivated despite the customer service notes showing I wished to use the USBank credit. USBank told me it would take 18 days to try to reactivate the account. I asked how I was supposed to know when I could use the card and they could not give an answer. Both XXXX XXXX and USBank have terrible customer service. All this transpired the last week in XXXX and first week inXX/XX/XXXX. I have an excellent credit rating so I fail to see why this would accur. I have no documentation from US Bank and only a closure letter from XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: this usbank XXXX, this is the second time in 6 months they have disabled and locked me out of my online banking where i can not pay bills or see my accounts or withdrawal money or pay credit cards. i sign in and it disabled all my business and personal accounts so i cant see none of accounts or credit cards or loans to get in to pay bills either. im XXXX off this keeps happening. i called and the fraud dept XXXX says im locked out for 72 hours. i told them since this keeps happening probably thinking about banking with someone else not banking with them anymore cause its stressful that i cant get in to do anything with my accounts at all. there is no reason they should keep locking me out like this. i called the fraud dept and i told them im unhappy with your usbank business locking me out every 6 mths like this will go bank somewhere else with my buisness and personal account if you keep doing this to me. and im at that point now of going somewhere else if they dont get me in today and wont help me to sign in.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-14
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Someone at the XXXX XXXX XXXX XXXX XXXX XXXX La around XX/XX/2020 after filing early XXXX address stole my identity by creating account and linking bank account to my unemployment account from XXXX to XX/XX/2020 I have copys of reference number after access the credentials for that account stating that my identity was stolen I have to file taxes on something I wasnt even distributed due lack of security and privacy allow anybody any. Number any souls who provided my stolen information to allow XXXX for 6 months straight and never inform me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 708XX
Submitted Via: Web
Date Sent: 2021-03-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I had a U.S. Bank FlexPerks Gold XXXX XXXX Card ( ending in XXXX ) that I closed in XX/XX/XXXX. I also have a FlexPerks Select+ XXXX XXXX Card that is open. Both of these cards deposit their rewards in the same FlexPerks Reward account. But when I closed the FlexPerks Gold card, XXXX points were taken away from my FlexPerks Reward account. At the time of closing the Gold Card ( ending in XXXX ), I agreed to the disclosure that points associated with the Gold card will be forfeited. However, when I provided my consent to the disclosure I was under the impression that the Gold card only had less than 100 points and the Select+ card had more than XXXX associated with it which I was not closing. That is the reason I gave my consent to the closure. Had I known that the Gold card had so many points, I would not have consented. The bank failed to provide me the information about how many points I was going to lose if I closed the Gold card. I say so because - 1. At the time of closure, the agent on the phone read a quick 2-minute disclosure without mentioning how many points I was going to lose. 2. If you look at the attached monthly statements from XX/XX/XXXX for Gold Card ( Exhibit A ) and Select Plus Card ( Exhibit B ), both statements do not give me a breakup of which card has how many points. Both statements provide a combined points total from both the cards as both cards were linked to the same Flexpoints Rewards account. This is the primary reason for my wrong impression about how many points I had in my Gold card. 3. The bank 's website in XX/XX/XXXX ( before the recent changes in the website ) used to show a combined points balance for each Flexpoints account without any breakup of each card 's points balance. I don't know if the breakup was buried multiple levels deep in the bank 's website but from at-a-glace level, I didn't see how many points belonged to the Gold card that I was going to lose. 4. Monthly statements for Select Plus card continued to show XXXX points ( Exhibit C ) as late as XX/XX/XXXX, six months after Gold card closure. This further reaffirmed my misunderstanding that most of my points belonged to Select Plus card and not Gold card. The points were taken away in XX/XX/XXXX as per the XX/XX/XXXX statement ( Exhibit D ). While I appreciate that the bank ( theoretically ) gave me six more months to use my points associated with the Gold card but that was of no practical use to me because the bank failed to notify me ( either verbally or written ) that those points will be forfeited soon and hence, I was in no rush to use those points. To summarize, I believe that the bank failed to inform me how many points I was going to lose if I closed the Gold card. That led me to consent to the disclosure under the wrong impression that I was not going to lose more than 100 points. I didn't have the correct facts when I provided my consent to the account closure disclosure. I didn't have the correct facts because neither the monthly statements nor the bank 's website nor the closing agent informed me how many points I was going to lose by closing the Gold card. As much, I request the bank to reinstate XXXX points which were forfeited because of the closure of my Gold card to my flexperks account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22310
Submitted Via: Web
Date Sent: 2021-03-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A