Date Received: 2021-03-02
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: I have been through 1 conveniently worded letter and 3 supervisors at the US Bank dispute department. Not one of them took the opportunity to explain to me that I could get ANY related professional to appraise / write the letter VISA needed by XXXX, stating that my hair dye job from XXXX XXXX had been corrected by the XXXX XXXX XXXX. I was led to believe that I needed that letter, specifically from the pandemic closed Beauty School. It was today, that supervisor XXXX called me back and explained that. Naturally, I am livid, feeling that I have been taken advantage of. XXXX XXXX originally told me I should wait until XXXX to see if the Beauty School opened back up to get the letter, and if XXXX would not continue with the dispute, then the money would be rightfully mine. As XXXX didn't wait that long and disputed it again, I did speak with his supervisor XXXX, who I did also explain to that I did not know what to do, as the Beauty School was closed due to the pandemic ( and that I had been trying to contact them in every way I could think of to get this letter, even by dropping a note off in their door ). These supervisors never once took the opportunity to make it clear that ANY hair care professional could write this letter that I needed, they just kept saying that the federal government and VISA was forcing their hand. So then I called VISA directly on XXXX and spoke to XXXX, inquiring as to the ethics of this law, since the Beauty School was closed due to the pandemic, who transferred me to XXXX in the US Bank dispute department to request the case to be reopened. I was told I would be notified within 48 hours as to whether the case would be reopened or not, but I was not. After my 3rd complaint here, I had naturally assumed there was some discrimination, because US Bank only submitted the merchant 's side of the dispute, not mine, so I requested to speak to a different US Bank supervisor. That is when supervisor XXXX explained this missing piece of information to me and I'm upset because it is past the due date time so nothing can be done. I find this all unprofessional and unethical, the teaming up and omitting of such information to take advantage of me ( who has been banking with US Bank for over 30 years ). Related to # XXXX, # XXXX, & # XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I purchased a number of pre-paid XXXX cards, issued by US Bank National Association, on XX/XX/XXXX, at a local grocery chain. My gift giving didn't work out as planned so I had XXXX cards that I now didn't need. I figured I'd pay bills or something with them, but eventually use them up. I thought the money was safe. A couple weeks ago, on XX/XX/XXXX, I finally tried using XXXX of them at an antique store and they said my {$500.00} card only had {$20.00} on it. I went home and called the help number and they informed me the card was not registered in my name and a number of purchases were made against the card in late XXXX. Furthermore, XXXX other cards I purchased at the same time had been spent, to some degree or completely, by a thief. They requested I fax in copies of my ID, the receipt for the card 's purchase, images of the cards -front and back- with the ID blown up XXXX XXXX and lightened by XXXX steps. They said I could call back on Monday and the people there could tell me that they've received my paperwork. I complied. When I called Monday, the lady said she couldn't see that they had received my fax and, perhaps, I hadn't blown up my license to exactly XXXX XXXX or maybe I hadn't written the card number or the " CID '' number on each and every page of the fax, because with out that, things might get mixed up. I re-sent the fax with blown up license and the CID number on every page of it. I waited XXXX business days, as the lady had suggested this time, and called today, on Monday XX/XX/XXXX. They STILL couldn't tell me if my fax was received, so their investigation could even begin. I presume that if their customers have failed to comply to the letter with some process for which even their own phone attendants are not fully knowledgeable, they just throw away your papers and pretend nothing happened. That's not good enough. Sir, or Madam, it's one thing that they insist I use an antiquated technology, the fax, as their preferred means of communication. And, if there had been ANY feedback from them, telling me whether my information was incomplete or too small or not light enough, I'd still be playing along. However, at this point, their apparent apathy toward my very expensive predicament leads me to believe that they are deliberately apathetic and are forcing me to seek satisfaction through some regulatory agency rather than honor the terms of their contract. If what our grocery stores are peddling on every isle 's endcap is little more than a plastic pick pocket for which the store or the card issuer aren't willing to take any responsibility, the practice should be outlawed. If they can't, or WON'T, protect the money I trust them to protect, then this product is defective and this company is liable. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80219
Submitted Via: Web
Date Sent: 2021-03-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
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 purchased a XXXX from XXXX in to be shipped to my house. My card was charged the {$430.00} on XX/XX/XXXX. As of XXXX the company had still not gotten the item to me in working order. It was delivered broken I tried to initiate a return on 4 occasions and each time the return was cancelled and no one picked up the item each time I was given multiple and conflicting stories about what actually happened. I finally voiced my concern that they were only delaying the process to get beyond a return window to deny the return. I informed them I would contact my bank US bank and card to dispute the charges. I completed the process and XXXX sent them false information about never having received a return. on or about XX/XX/2021 I was called and told the reversal of charges was going to be reversed and that XXXX said I could return the item. I asked for documentation of that and US bank sent me a copy of a fax that stated something to that affect. I then tried to initiate a return again with XXXX which as I predicted was denied because it was beyond the due date. US bank is no longer Returning my calls or emails. I sent them Screen shots from my computer documenting everything I said. I followed all the steps to dispute a charge and I am left without my money and without a tv. I was basically robbed by XXXX with the assistance of US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55427
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XXXX, our company, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX OH XXXX, received a 'new U.S. Bank ReliaCard XXXX XXXX with the name XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX '. We never applied for this card. While this is our address, we do not have anyone in our ownership or in our employ, with the name 'XXXX XXXX XXXX. We believe this to be a fraudulent use of our address. I tried on several occasions, to contact US Bank to report this fraudulent activity, but never got through to a representative. We have not activated this U.S. Bank ReliaCard, Visa debit card, ending in XXXX. Please advise.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44077
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I have tried to call US Bank Relicard on several occasions to close my account/card that was issued by XXXX XXXX XXXX XXXX XXXX XXXX for child support. I can never speak to someone as the automated system always hangs up on me. I destroyed the card but their fee schedule shows an inactive fee of {$2.00} and I don't want to be charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49203
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Some one open up checking account from US Bank without my knowledge there was a debt card inside it was for unemployment the letter came from the State of Colorado Idid n't apply for unemployment benifits This is a case of fraud I did not open up any checking account from US Bank This checking should be closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20715
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dar Sirs, I actually do have two problems with US-Bank : I am not a member of XXXX XXXX membership, I closed all my accounts at US-Bank, as well the CreditCard. US-Bank is still showing the CC. Even after many calls, US-Bank is not closing the CC. I is waisted time to send emails to US-Bank as well to call, nobody cares. Beside this, I get every week a message from US-Bank : As a benefit of your XXXX XXXX membership, this is a notification that there have been no reported changes in your credit file ( s ) during the last 30 days. To view a complete history of your credit alerts, log in to your account now. I am not able to stop those unwanted emails. I am not!!!!!!!!!! a member of XXXX XXXX, I never signed in for that!!!!!!!!! Today I called XXXX again and here is what the person - a man - recommended : go to cfpb!!!!!! In my mind, this is the peak of impertinence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45342
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2020 at approximately XXXX I attempted to withdraw {$200.00} from a US Bank ATM in the lobby of my workplace but received an error code on the ATM machines monitor with a message stating timed out, no money will be withdrawn from your account. I thought this particularly odd to say transaction timed out because it appeared almost immediately after I inserted my ATM bank card and so I made a second attempt but again received the same error code message. I then drove directly to another nearby US Bank ATM and from there did successfully withdraw {$200.00} When my US Bank monthly statement came in the mail it showed that {$200.00} had indeed been deducted from my account at the first location and {$200.00} from the second location as well. I immediately reported this matter to US Bank upon receiving my monthly statement and having noticed the banks error. Since the time of reporting this error to US Bank I have received a letter from US Bank stating they have investigated my claim and have found themselves to be in the right and that I did in fact receive {$200.00} from both locations. I notified them that this is impossible as their ATM have electronic time stamps of every transaction and error code that occur daily on their machines plus cameras that record every customers interaction at an ATM. I also told US Bank I want to see this alleged video proof that they possess showing that I did indeed receive {$200.00} at the first location otherwise the bank is calling me a liar and also guilty of attempting to perpetrate bank fraud by submitting this claim for a {$200.00} refund to my checking account. After receiving this letter, I contacted the XXXX XXXX XXXX to file a complaint and since the time of asking the XXXX to investigate the matter have acquired a second letter from US Bank reiterating their stance that they are not in error but in effect I am. In requesting ATM video footage from US Bank I have been informed that in order to see this alleged video footage I a judges court ordered subpoena would be required so therefore I am filing criminal charges against US Bank in order to seek release of this video footage and to be reimbursed {$200.00} which was erroneously withdrawn from my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97220
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a card that I did not apply for.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80631
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Fraud or scam
Subissue:
Consumer Complaint: I received a Visa debit card in the mail on XX/XX/2021. Somehow, its connected to " U.S. Bank Reliacard. '' I did not request this card. I have no idea why I received it. I am and have been retired for several years. I attempted to call U.S. Bank at the complaint number listed on the back of the card,XXXX. Also XXXX. However I had to enter my Social Security number in both cases, so I hung up. I went to a U.S Bank branch Office on XX/XX/2021, in XXXX XXXX, Illinois. I spoke to an Officer about the card She checked on line but was not able to find any information to access. She could not find what entity issued the card. She advised me to contact your office since you are listed in the letter that accompanied the card. The Card was not activated by me. The Bank Officer advised me to destroy the Card. I cut the Card in half. Earlier this year, someone filed a claim with the Illinois Unemployment Department for benefits. and the letter indicated that benefits were rejected. I filed a complaint with the Federal Trade Commission. No further action was taken. I don't think its covid 19 stimulus check related, since my wife and I received those checks through the mail. I enclose a copy of the letter received with the card attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60477
Submitted Via: Web
Date Sent: 2021-03-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A