Date Received: 2021-02-24
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/2021 I had my unemployment benefits finally uploaded and I have been waiting since XXXX for my unemployment to update ... Bills have been stacking up I simply paid my bills today and now I can't even access the rest of my money in my account because they say I exceeded the daily limit ... XXXX What can I do they say I have to wait 24hrs since the last attempt for withdraw ... Why is there a limit on MY MONEY ....?!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 502XX
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was sent a Debit card from US Bank ReliaCard. It was unsolicited. I called the toll free number, XXXX and was told another division handled that card. They transferred me and I was immediately hung up on. I called again and told them I would contact you. They transferred me and immediately hung up again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10583
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: Been with US BANK for 5 yrs plus and always had my account on autopay so I would not have to worry about having late payments or any other problems with any of my accounts. In XXXX of 2020 COVID 19 pandemic hit, the United States decided to shut down for two months to slow down the virus. Due to the shutdown A lot of businesses shut down and the flow of money stoped, A lot of people did not know which direction we were headed in as far as money to feed families or how to pay bills. As far as myself I took it in consideration to take all my accounts off auto pay due to pandemic. During pandemic shutdown you can tell that a lot of creditors adapted to the peoples reaction, to the way people were paying accounts or bills. They put into action a systematic way to handle the great amount of people reacting in a certain way due to pandemic ( payments ). Im reaching out due to the fact of pandemic that after the two months pass and United States opened up, I put all my accounts back into autopay ( 15+accts ). As I go about my days, about a month later I received a phone call from US Bank stating I missed a payment as I speaking to rep I say thats odd because I put all my accounts on auto pay, I told them that there probably was a mistake and if I can have late payment Took it off, they waved it and I put auto pay on though website. Let me note that I been dealing with my credit for 10 years plus and Im on it due to the fact that I have goals in life which involve credit so Im pretty good at payment history and have apps that I pay to Monitor and view credit, I can say, pull my credit before this incident and I only have one miss payment throughout my 10 yrs plus and the miss payment is from the beginning of my credit years. So two months pass and I get a phone call from US Bank stating that I am two months behind of no payment I explain to them how could this be accurate due to the last call that I received, which I fixed problem and Resolved issue and put my account back on auto pay they stated that this information was incorrect as far as payment being received, I explain to them very well about the situation and stated to them that why would I continue to disrupt my credit and if there was anyway to resolve and fix this problem, the customer service rep advise me to take it up with the credit bureau because it was not in his Authority to act on this particular issue. And there was nothing he could do about the miss payment we went back and forth with the situation coming to a conclusion that We can not do nothing about the situation even after I spoke to a supervisor which stated the same thing the customer service stated. I also implied that why did they go pass so many days without informing me or sending me letters to my address or my email which I asked them what email they have on file and it was the wrong email I wanted to state that I also asked him to put it into the computer as a note. Again I went to auto pay and applied my bank information just so my account could be updated. About a month later I got a notification on my XXXX credit stating that my score had dropped 60 points at this moment my feelings are involved and I was very upset due to the fact Ive been working on my credit for many years and its hard to gain credit but easy to lose points which we work so hard for. So I contacted the credit bureau and explained the situation they advised me to write a dispute under website and send it in. With this information I then went to the Internet and looked up forms on my situation. I then took it into consideration that I should pay somebody that specializes in credit which I did and they disputed it in their own manner which the outcome was not very well due to the fact that they have so many customers and they dont look at mine like if it was their own. I am now going into action On my own to really look into the situation and trying to resolve it, ive contacted US Bank and spoke with another supervisor which got me nowhere because she keeps stating with me that the information on the computer states what it states and therefore it is what it is. Frustrated with the situation I asked her if there was anybody else I could talk to because I look at it like if it was a local bank within the community looking at your best interest and knowing the customer that you would have this Bond and the issue would be resolved the very first time and even if the first time wasnt resolved Im pretty sure the second time certainly with no doubt be no problem and the situation will get taken care of. At this point I feel like US Bank does not take each customer lightly as a person of a community. I hope you understand that Ive been working on my credit for many many years because I have goals in my life and US Bank has disrupted my credit 60 points which devastates me and I dont think that I am being viewed as a customer and no one is hearing my situation out properly. Im trying my best to resolve this issue and have this late payment disputed off my credit so I could go back to normal, I am going through the steps Im trying to reach out to you to resolve this issue I hope you gather all my information and look at the big Picture and see the facts That I provided and you can go and research the facts and see That I am not lying about my payment History please take this into consideration. US Bank does not have headquarters nor banks in communities which they can relate and bond with the community and understand Situations and move forward With happy customers On a personal level I feel like their corporate and dont wan na resolve the issue because customer service reps have to go by the book. Typical bank standard issues which I think the government should help people resolve this issue is with banks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78251
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank has repeatedly been sending us erroneous statements, far too early in the month for our on-time payments to be recognized, with threats about late fees being due and the amount being due being doubled, simply because they printed and mailed the statement less th an two days after the previous payment 's due date. This is moronic and likely intentional, to see just who sends them more money, believing that US Bank never received the previous, on-time payment. We have called US Bank about this *and* we even previously filed a CFPB complaint, # XXXX, about this topic. They finally agreed to generate our statements on the XXXX of the month instead of the XXXX, so that this issue would not recur. They did this for just ONE statement, before now reverting back to sending the statements on the 3rd again, with the same issue - a past due balance, double our monthly payment, ignoring our previous payment, with late fees rolled in! Best case scenario, US Bank continues to show their flagrant ineptitude and incompetence in mortgage servicing by not being able to stick to their own commitments in generating accurate statements. Worst case scenario, US Bank is both lying to us *and* the CFPB, which should be a federal offense. I encourage the CFPB to review our previous case, XXXX, see that US Bank agreed to move our statement date, and then take appropriate action as it is abundantly clear that US Bank merely says one thing to placate the CFPB and the consumer, and then immediately goes back on their word. This should result in prosecution of the respondent to our previous complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-24
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: XXXX XXXX tried you file unemployment of Ohio in my name
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Dear Sir or Madam : Good afternoon. I was issued a BUSINESS line of Credit from US Bank in XX/XX/2015. I was explicitly told that this would be registered under my business. Not my personal credit bureau. It wasn't until some years later that it was FRAUDULENTLY added to my PERSONAL CREDIT. It is making it very difficult for me to get a job, buy a car, or even get an apartment. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60653
Submitted Via: Web
Date Sent: 2021-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/XXXX I received a {$100.00} visa gift card for XXXX upon opening the gift card that had no signs of being tampered with I checked the amount on the card, the balance was XXXX. I informed the company XXXX who handles theses matters for this Visa card and they informed me to submit a proof of ownership via fax. I sent the company my license, original receipt, my contact info, front and back of the card and a hand written statement. I called back a week later and they said they did not receive anything from me although my fax machine said the paperwork had been sent. So I sent it again while the representative was on the phone. She said they did not receive anything on their end and my fax machine was stating the paperwork was sent. We checked the fax numbers, which were correct. So she advised me to send the paperwork via mail. Cut to XX/XX/XXXX, I call the company and they state that they never received my information via fax or U.S. mail and I should start the process all over again. After speaking with the customer service rep I spoke with a rather rude, and unhelpful supervisor, XXXX ID XXXX. I asked whether he could stay on the phone and verify that the company had received my information if I sent it again he states that there is no way for him or anyone in the department to verify whether they had received a fax which contradicts the initial lady I spoke with and makes no sense.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91206
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was receiving unemployment. I was using their usbank reliacard. On XX/XX/XXXX I went to the m & t bank in XXXX PA. bank number XXXX. At XXXX. I went to the atm enter my card at the time ending in XXXX. I wanted to take out XXXX. I punched in all my info the machine sounded like it was dropping the money. The cover never opened to dispense the money. I go into the bank and talked to a XXXX hair lady and she told me i had to call the number on the back of the card. I asked if I should try again. She said I could try again. So I go back out and try again with another XXXX. Still same thing. So now I'm out XXXX plus fees. I called number on the back of my card. Talked to someone and they told me i had to make copies of my receipt and fax it to them. So I do this. I then see the money is added back into my account. In the meantime I loose my card and have to get a new one. So I call and wait for it to arrive. The card comes and I check the balance on my card and see that it is minus XXXX. So I'm thinking mess up between old card and new card. So I call again to talk to someone. The guy I talked to said they deactivated my account. By this time I getting upset.. I asked how did the come up with no error occurred. The guy said he did not know that it is done somewhere else. Then he says They don't have to give you your money back. I told him that i was not lying about it and that i was not going to give up. That is two weeks worth of groceries.I hang up then call back talked to different guy, He tells me not to worry about the letter that the letter he had stated that it will take up to 45 days before a decision is final. So I hang up and wait awhile I call back and get the run around so I ask to talk to someone in charge. Her name was XXXX this was on XXXX she was senior something. she proceeds to tell me there is nothing that can be done. So I ask for copies of my statements and also for a copy of the documents on how they came up with decision. She tries to tell me she can't do that. By then I'm mad. I read the last paragraph on the letter I received on XX/XX/XXXX stating I may request a copy of the documents we used in determining the final outcome of the investigation if you would like to request copies of the documents or have further questions please contact customer service at the number on the back of your card. She asked me to hold on. she gets back on the phone proceeds to tell me i will have it within 7 to 10 business days. And that if I could provide new evidence they would look it over. The only evidence I have is the papers that came from the ATM. It is now XX/XX/XXXX and I still have not received the document that I'm entitled to. I did receive copies of my statement. I then call m & t bank and explained my problem to get more evidence. They tell me there is nothing they can do. I said what do you mean? Don't you tally your ATM daily was it over? You have video you can see I did not get no money. So to shut me up the young man gives me a phone number after talking to someone. I call the number and it the customer service number to check your account. I then talk to a friend who used to work at a bank and she told me that did not sound right. So she calls the bank where she goes to and that lady said that did not sound right and that she will look into it. I'm not a liar or a thief. I lost my son in XXXX. Left to raise my now XXXX yr old grandson. I'm just a grandma who has XXXX, I'm XXXX XXXX and trying to get by. If they would just check video they would see I did not get the money.
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: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Problem with cash advance
Subissue:
Consumer Complaint: On a XX/XX/2021 @ XXXX XXXX, sir-mam I had got a phone call a robocall from an US bank from the phone number XXXX, concerning financial issues and I XXXX XXXX XXXX accepted an offer that was made by acts of the US Bank, my acceptance of the offer was hereby approved do the officials of US Bank agree or disagree with such an act of the US Bank. In addition the depositing of such funds hereinto my bank account no., is still in progress do the US Bank officials agree or disagree with the process as the funds are being deposited, thereinto my Bank account. In addition, sir-mam myself XXXX XXXX XXXX had an agreement for therein US Bank for a financial assistance as a consumer from acts of the US Bank sir-mam do you as an official for an US bank agree or disagree. You sir-mam as a US bank official must hereby respond hereto the cause or matter for the hereinabove within a 72 hrs. time frame thereafter receiving this legal notice do you agree or disagree. Your response hereto this cause or matter, concerning the hereinabove must hereby officially be within a written statement concerning the hereabove cause or matter do you agree or disagree. Also if you sir-mam do not respond hereto this legal notice, sir-mam you can and will hereby ruled within a default and therefrom that default proceeding ( s ) will hereby begin do you agree or disagree. Therefrom your written statement must hereby officially be delivered to myself, as a service hereto myself an XXXX XXXX XXXX, hereat this email-address XXXX. In addition this is a non-litigation notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-23
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: At u.s. bank I was put into a GOLD checking account which is meant for people woth credit cards and loans with the bank. I have neither. However I was incurring a XXXX fee every month since XXXX for being in that checking account. When attempting to get reimbursed for the charges they only refunded 3 and said there was nothing they can do for the rest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43160
Submitted Via: Web
Date Sent: 2021-02-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A