Date Received: 2021-02-21
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was on a HUD program for 10 years I had a XXXX in 2018 and HUD paid the mortgage for me. The bank is saying they have not received a payment from myself nor HUD which is untrue. My HUD counselor showed me where money is going to my account at the bank but the bank said they dont have any money from HUD to my account. I need help I have been reaching out to someone anyone for two years now. Im having to file bankruptcy for over XXXX. XXXX I dont have. I hope this letter get to the right person, I have email three different people today so I can get help for my family and I can keep our home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47150
Submitted Via: Web
Date Sent: 2021-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: Consumer financial protection bureau case # XXXX Still unresolved I had taken a loan with XXXX through USBank, I was trying to pay the lien off as I had a buyer. Long story short was given misinformation and I spoke to the executive department about getting my wire transfer fee back, XXXX said to email her the charge, I did although the company misinformed me about doing a wire fund I too if the ACH I already paid. The wire transfer was sitting in the general ledger and never used to pay the lien off. I had to get that refunded back to me but it cost me {$30.00} on top of the misinformation from the employees which they have clearly written and accepted. However refusing now to reimburse me the {$30.00} that cost me the charge for wire transfer due to there employee wrong information to send.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-20
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2021 my debit card was locked and overdraft protection was turned off. My account via the US BANK XXXX app stated that overdraft fees were not authorized, the same condition the account had been in for years before that. US bank allowed charges to continue accruing, draining the account and amounting to hundreds of dollars in overdraft fees. They have refused to refund overdraft fees because they say that overdrafts fees were authorized for checking/routing but not for debit?!?!? XXXX?! I literally turned off my debit card and overdraft fees weren't authorized. I feel so scammed. Please help. US bank is the literal worst.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2021-02-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: THE FOLLOWING HARD PULLS ARE UNAUTHORIZED AND HAVE NO SIGNATURES ON FILE FOR ME XXXX XXXX XXXX XX/XX/XXXX 2 XXXX XXXX XX/XX/XXXX AND US BANK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72761
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Us bank Reliacard has had my funds on lock for 10 days now absolutely no information from customer service employees
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I reside in Pennsylvania, and the Department of unemployment compensation sent me a US Bank Relia Card. My Pandemic unemployment Assistance ( PUA ) unemployment compensation payments has been deposited to US Bank Reli card. I went to make a withdrawal at XXXX XXXX, and I am also a customer with XXXXXXXX XXXX and an account holder. I tried to make a withdrawal and each time the XXXX XXXX would want to charge me a fee of {$3.00} cents per withdrawal. I also tried to to transfer my PUA payments to my primary checking or saving accounts without much success each time more than three times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are four accounts on my credit that DO NOT BELONG TO ME. I did not open these used them or even know how they appear in my credit. XXXX XXXX XXXX - Acct # XXXX XXXX {$27000.00} Opened XX/XX/XXXX US BANK - Acct # XXXX Amt {$5000.00} Opened XX/XX/XXXX XXXX XXXX XXXX XXXX - Acct # XXXX Amt {$460.00} Opened XX/XX/XXXX XXXX XXXX - Acct # XXXX Amt {$560.00} Opened 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: CA
Zip: 91202
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
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 have received a card from U.S. Bank Relia Card, I did not apply for this card. I have tried to report it with no satisfaction. It is fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43147
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Around the middle of XX/XX/XXXX I received a U.S.Bank Reliacard Visa Debit card in the mail. I did not sign up or request this card, nor any other cards. I did not activate this card because I was not sure what it was. After doing research, this particular U.S. Bank Reliacard is part of a huge unemployment scam resulting from the Corona Virus Pandemic. I have contacted several government agengies and submitted complaints. I have spent numerous hours in research, calls, inquiries, emails and appearances regarding this U.S. Bank Reliacard. I have also had to put a freeze and fraud alerts on my credit reports. Someone has tried to use my identity to fraud the government for unemployment benefits resulting from Covid. At the beginning of XXXX I received a 1099-G for Government payments from Ohio Department of Job and Family Services with my information showing that I had received unemployment compensation in the amount of {$8400.00} that needs to be filed with my XXXX tax return. At no time have I EVER SIGNED UP FOR UNEMPLOYMENT - NOR HAVE I EVER RECEIVED UNEMPLOYMENT FUNDS OR BENEFITS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 431XX
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-19
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: On XX/XX/2021 I discovered my U.S. Bank Credit Card Number and password was published on the internet on one of the XXXX XXXX internet pages. I tried calling XXXX XXXX but because I did not have a pin I could not get assistance. On XX/XX/2021, I called U.S. Bank and discussed the issue with the representative and was told that I should close out this account totally because even if they sent me a new credit card with a new number, the charges would simply roll over to the new account and I could still be subject Identity Theft. I told the representative to close the account immediately. The representative told me I had rewards points that I would not be able to use once the account was closed. I told her I had a serious XXXX problem and the amount of the rewards points conversion was not worth the stress Identify Theft and a possibly XXXX XXXX would cause. She asked if she could just convert one more and close the account the next day. I reluctantly agreed. I discovered that a manual charge was entered on XX/XX/2021 for a XXXX service that I did not have. I was going to switch to XXXX because of the issue with XXXX XXXX. I called XXXX on XX/XX/2021 but cancelled on XXXX XXXX when the service could not be connected. I was told by the XXXX representative that the order had been cancelled and I could deliver the equipment back on XX/XX/2021 which I did. XXXX XXXX came out the next day and confirmed the XXXX service had never been connected and their service was still intact. I am still with XXXX XXXX because it is the lesser of the two evils. I am attaching a letter I sent to the CEO and President of U.S. Bank. Refusing to close this account and subjecting me to Identity Theft is unacceptable. The credit limit on this account is {$9000.00} and I plan to pay the balance of {$810.00} by XXXX XXXX or as soon as I see the account closed because If I close it before then, I would lose visibility on this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35802
Submitted Via: Web
Date Sent: 2021-02-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A