Date Received: 2021-03-06
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Try to use my u.s. Bank ReliaCard they said my account was suspended I called on the XXXX they said they were updating their security I needed to send a picture of my driver 's license front and back and a selfie of myself did that waited two days on the XXXX of XXXX that asked me for the same thing again I called them on the XXXX because that's my unemployment money and that's all I have to feed me and my family they said I had to wait another two working days until they can identify my selfie with my license I've never had trouble with my card before don't understand why they have a hold on my card anyway and they will not release my unemployment money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I called US Bank because they negatively reported this account to the credit bureaus without my knowledge that the account was missing payments. They were sending my statements to a different address so I never received proper notification. I also was experiencing a hardship due to COVID-19. I called US Bank about the credit reporting issue and made a payment to bring the account current. I was told by a manager that they couldnt do anything about the credit reporting. I think it is unfair and illegal to negatively impact customers consumer reports during a global pandemic, especially when I wasnt contacted about the status of the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08053
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
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 can not reach US Bank thru their reliacard telephone number nor do they have proper resources online to file a fraud complaint. I did not file for unemployment and have filed cases with XXXX, FTC, local police, and all credit reporting agencies. Yet I still received a US Bank Reliacard. When I attempt to close the account and report it as fraud I get the run-around. It should be a very easy process to report fraud. When I call their XXXX # it says they are too busy to speak with me due to call volumes and then it just hangs up on me. Doesn't even give me the opportunity to sit on hold. This needs to be investigated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 815XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-06
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Us bank is not accepting fraud reports. I have to accept activation before speaking with anyone. Us bank opened an account open my name, fraudulently reported, without my consent. I have credit freeze in place, which usbank apparently ignored,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80126
Submitted Via: Web
Date Sent: 2021-03-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I had XXXX $ deposited into my usbank reliacard account from unemployment benefits yesterday then all of sudden my card was locked ny usbankreliacard I still can't get or use money they won't give me straight answers except verify my identity and I have done that multiple times and different ways and still have it locked I can't pay my rent I'm gon na be homeless I can't eat I haven't had money in weeks and now I get my Money and they do this it's ridiculous my card is locked illegally there's no reason it should be locked
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 186XX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I sent a debt verification letter to the company on XX/XX/XXXX requesting the following documents to verify the debt pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA : -Copy of my social security card. -Copy of my valid Photo ID. -Contract signed by me. -Bill with my address ( within 30 days of the account opening ) -Any other documents. XXXX XXXX and its attorneys provided me just with statements that anybody could create, I been asking them to verify their allegations that I own the alleged debt with valid proof, Why they are alleging that I own the debt? but they failed to provide or verify the debt appropriately. Since XXXX XXXX and its attorneys are violating the FDCPA and FCRA and they still collecting the debt and have 2 cases open in XXXX XXXX Justice Court against me without sufficient evidence to do so I am requesting the following documentation to XXXX XXXX today XX/XX/XXXX : Agreement with your client that grants you the authority to collect on this alleged debt. Agreement that bears the signature of the alleged debtor wherein he/she agreed to pay the creditor. Any insurance claims been made by any creditor regarding this account. Any Judgments obtained by any creditor regarding this account. Name and address of alleged creditor. Name on file of alleged debtor. Alleged account number. Address on file for alleged debtor. Amount of alleged debt. Date this alleged debt became payable. Date of original charge off or delinquency. Verification that this debt was assigned or sold to collector. Complete accounting of alleged debt. Commission for debt collector if collection efforts are successful. The original account owner " US Bank '' have sold the account US Bank has sold the account to several collections agencies, every and all the times that I disputed the account with the other collection agencies have been removed from my credit report because they are not able to verify the account and then US Bank sells the unverified accounts to a different collection agency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89104
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021 I opened checking and savings accounts at US Bank on XXXX XXXX in XXXX IL. A week later, they closed it, claiming I was in violation of the Deposit Agreement. One of the personal bankers at US Bank sent me 2 cashiers checks - one for {$310.00} which was the outstanding balance in checking. And a check for {$290.00} for the outstanding balance in savings. I deposited those checks at my current bank through mobile banking. I made a clerical error on the check for {$310.00}, and typed in the wrong amount. XX/XX/XXXXmailed the check for {$310.00} back to US Bank. On XX/XX/XXXX, I attempted to be reimbursed for the {$310.00}, at the US Bank branch in XXXX XXXX IL. The teller spoke to US Bank Internal Affairs and informed me that XX/XX/XXXX had cash the check already. I then met with the branch manager and Vice President of the US Bank in XXXX XXXX. After about 20 minutes, she threatened me with the police. All because I wanted reimbursement for the {$310.00} check. When I left the XXXX XXXX branch, two officers of the XXXX XXXX police were waiting in the parking lot. One of the officers went inside the branch to get the branch managers side of the story. When he returned, he informed me that if I went into any US Bank branch, I would immediately be arrested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60120
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
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: On XX/XX/2020, I initially bought some great gear from XXXX, which I love, for {$93.00}. I then thought that I paid my account off in full on XX/XX/2020 ( see attached XX/XX/2020 Statement ). The account was XXXX. However, I would learn in XXXX that in fact, the account was not paid in full. US Bank provided me with inaccurate information about my account and did not accurately provide accurate information to XXXX XXXX XXXX who is my primary bank. As seen in the attached phone log that corresponds to roughly the same time as the transactions on my account ( see attached US Bank transactions ), I have spent a couple of hours trying to correct US Banks problems on my account. I was told during these phone calls that the payment of {$93.00} would be fixed, and it was not. I was told by US Bank that the reason why the payment authorization was not received was XXXX XXXX fault. It was not. I was told that it was my fault. It was not. I was told multiple times in my phone calls to fax my card number, full name as on card to Attention Research to show that there was no block on the account to the fax number for Us Bank : XXXX. Then, come to find out that I never had to fax anything to begin with. I have done everything in power to work with US Banks representatives and XXXXXXXX XXXX to make the payment that I initially made on XX/XX/2020. After speaking with US Bank Employee Manager XXXX XXXX # XXXX XX/XX/2020, she told me yet again that she will fix my problem. The amount was corrected XX/XX/2020. I found out the weekend of XX/XX/XXXX that my credit score decreased when we were looking to buy an RV to travel and see family during these trying times. I cant believe that after all that I have gone through in paying this bill, US Bank would report this payment to my credit report. I have never missed a payment or a due date. This is ridiculous and unheard of. I have done everything in my power to pay a bill multiple times in order for US Bank to not report to my credit. For this reason, I asked US Bank to correct their credit reporting. I received the attached letter and US Bank refused to correct the report. Please ask US Bank to correct the credit report. Thank you for your attention to this matter. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I/we bought a home which was financed through US BANK XX/XX/XXXX as a 30 year mortgage through the American Dream Down payment program. Over the years, payments were made to US BANK and often placed in a " suspense account '' which I/we weren't aware of. I/we were making many payments which they accepted, and failed to apply toward the mortgage loan. As a result, not only did they have the funds in their hands, I/we received no credit for it and therefore were forced to pay late payments and damaged credit. For the last couple of years, I/we attempted to make extra principle payments and found out that they too went to a suspense account which I/we knew nothing about. As a result, I/we attempted to remove the escrow ( which I was told multiple times could be done since there is quite a bit more than 20 % equity in our home, only to find out we had been misinformed multiple times. They are now saying that because this is an " American Dream '' loan, It can not ever be removed from escrow. This was in complete contrast to what was being told throughout this process. My regular mortgage payment is only {$500.00} and is now going to about {$1000.00} which is unaffordable. The way this mortgage has been handled ( whether is legal or not ) has been very costly with SEEMINGLY late payments and fees and they have offered no relief. I offered to prepay my taxes ( which the county allows ) and pay my mortgage premium in full for the year and was informed that if that even if that was done, they would still require that I/we pay the XXXX dollar a month. Refinancing would probably be a problem since payments " appear '' to be late. If they weren't going to apply the payments to the loan they should have been returned not held for the benefit of the bank. All I'm asking is to be allowed to pay my own taxes and insurance so that my money can work for me and not US Bank. This bank claims that they waived a couple of late fees which they should have done because THEY posted a payment to their " suspense '' account which was clearly a mortgage payment and caused a domino effect. After proving it, they went back and made adjustments ( still affecting my payment history ). This is an attempt to do some damage control and get my mortgage under control. There is no risk to this loan by allowing me to pay my own taxes and insurance. That's all I'm asking as it would be a great relief. A look at the history of payments that went to their " suspense account '' would tell a lot. I/we also requested a history of the payments that were processed since this loan began and got one only since XX/XX/XXXX. I will request another one from the beginning of the loan. Any assistance will be greatly appreciated. Thank You!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63135
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-05
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed for XXXX that I made over a month of customer service work. When I called US Bank to report it, they told me consistently for 2 weeks that I would be receiving the funds back on XX/XX/XXXX, and that I would have to fill out paperwork to bolster my case. As of today, XX/XX/XXXX, I have been told my case was declined, no paperwork was sent, and theres no way to recover the money. First, some context, as Im sure that as someone more experienced with how money works, this would not have happened in the first place. Im XXXX and out of college, dealing with debt and career skepticism. The first time I started really saving money was never, yet. This is what happened from the start : Someone from high school reached out to me via Snapchat ( I will provide all evidence ), and was talking to me about regular stuff and catching up for about a week. Then, they told me that their uncle and aunt were running a business which could help me invest my money for a quick return. I was skeptical at first but they said they were helping many others like me and said that it benefitted them as well. I wanted to trust my friend from high school, and agreed on the terms that I would be able to call during the transaction. As soon as I sent the money, they disappeared. I reached out to the person the scammer was posing as on XXXX and confirmed that their XXXX account had been hacked. I next called my bank. They helped me file a claim and I told them everything that happened. They said from this day ( XX/XX/XXXX ) that my money would be returned to me in the form of a provisional credit by XX/XX/XXXX, that I would need to fill out paperwork being sent to me, and also that there was a possibility in expediting the credit if I needed. I called back several times regarding this and they kept telling me the claim was processing and the credit would go back to the account on XX/XX/XXXX. So I was relieved at this time. I asked some friends and family for money to get by while I waited and found something new to earn. I still called the bank several times to try and expedite the credit, to the same reply, and also the assurance that I would be put in touch with a case manager on several occasions. This never happened, each time. I was still patient. On XX/XX/XXXX there was nothing in my account so I called back, and they said it was still processing. Today I called and they said it was denied and theres no way to get my money back, to my distress. When I told them that I had been receiving wildly incorrect information for 2 weeks, they said they couldnt help me. Of course, I know that there is nothing these CS reps can really do with the rules in place. However, they directly impacted the trauma I am facing now by misleading me for weeks. They directly impacted my well being by convincing me I would get the money back, since there are people who I owe. They have impacted my mental well being, as all I can imagine is representatives laughing behind my back at tricking me as I hung up in relief. They have impacted my physical well being, as I need to contribute to my familys rent bills and grocery bills. Please assist and help me find their accountability in my pain and loss. They never asked for any evidence on my end, so it might be that they simply did not believe my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2021-03-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A