Date Received: 2021-02-19
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I wanted this card to help me fund a rather large purchase, about {$7000.00}. I came across this credit card because i was searching for cards with good intro APR and balance transfer terms.This card came up and the USBank site advertised " For a limited time, get a special 0 % introductory APR* ( view terms and conditions ) on purchases and balance transfers for 20 billing cycles. After that the APR is variable, currently 14.49 % 24.49 % ( view terms and conditions ). Plus theres no annual fee ( view terms and conditions )! '' Based on this information, i decided to apply for the card based on this information. My plan was to make the purchase with the new card or make my purchase on an existing card and then take advantage of the " special 0 % '' fee on the USBank card. So I filled out the application. During the application, i found out that in spite of my excellent credit score, over 750 on both XXXX and XXXX, i was given a credit balance of only {$5500.00}. This was not even enough to cover the purchase. I accepted it because 1 ) my credit was already hard pulled at this point and 2 ) there was the balance transfer offer i could use. So i decided to go the balance transfer route. Now that I've submitted the balance transfer, I notice a charge for {$130.00} as a transaction fee! I then called customer service and they informed me that this is an expected fee. I feel this is a bait and switch and that i was lied to. This was not disclosed in the initial offering link that i followed. I would not have applied for this card if i had known there would be a fee. 0 % APR on balance transfers for 20 months does not mean that they get to charge me a percentage on any other fees that they decide to name something else. I have used balance transfers in the past and the fees have ALWAYS been disclosed on the offer itself! Burrying that information in disclosures and semantics is unfair and deceptive business practice. This is unacceptable!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10016
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: Other transaction problem
Subissue:
Consumer Complaint: COMPLAINT INFORMATION I contacted XXXX on the XXXX of XXXX. Someone hacked into my email account whereby the suspect was able to go into my account and wipe me out. The dollar amount in dispute. {$22000.00} The date of the transaction. XX/XX/2021. Someone stole my email and I was locked out of XXXX. I emailed XXXX immediately when I found out that my email was hacked. I emailed that at XXXX XX/XX/XXXX on the XXXX of XXXX. I received a generic email at XXXX XX/XX/XXXX Eastern Standard that evening stating that I am in the cue. I emailed XX/XX/XXXX again on the XXXX, and when I didnt hear from them I emailed them again on the XXXX. I filed a police report on the XXXX. I received an email from a representative named XXXX, who told me they will change my email, but I needed to verify who I was by providing them with a video, license, utility bill. I did everything XXXX asked for. I explained to XXXX over and over that someone else has my email account at XXXX. There was a XXXX breach and I was one of the victims. I sent the Ceo XXXX XXXX a message on XXXX because I wasnt getting anywhere with XXXX. ( She since has blocked me from contacting her ) I believe I did that on the XXXX of XXXX. On the XXXX of XXXX XXXX sent me another email requesting another video. I did that too. On the XXXX I find out the suspect also depleted {$5000.00} out of my US bank account since that account is linked to my XXXX account. On the XXXX of XXXX, I was assigned to another representative XXXX XXXX. XXXX closed my XXXX account on XX/XX/XXXX. XXXX sent me an email on the XXXX telling me my account has been resolved but XXXX will not reimburse me for my losses. The theft occurred on their platform They are FDIC insured. Why won't they compensate me? XXXX is under the US Bancop. I filed a complaint with the Office of Comptroller. XXXX was able to resolve this matter in two days, while the XXXX took 12 days to even realize what I was telling them. In XXXX email, he said the suspect sent my money to a bitcoin address. The company knows exactly where the money went but they wont retrieve or recompense me. This is a fraud. Someone stole my account and was able to do whatever they wanted to do while I wasnt able to do anything about it. I made a complaint with the Consumer Financial Protection Bureau earlier with your organization because XXXX would not return my emails. XXXX does not respond to emails in a timely fashion. XXXX does not have a telephone number to call when an account has been compromised. I also contacted the fraud department for my US bank, thats because the suspect was able to deplete my account for {$5000.00} in three separate transactions. A. {$2000.00} B. {$2000.00} and CXXXX XXXX. This happened on the XXXX of XXXX unbeknownst to me. Thank you in advance for your guidance XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44131
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: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: U.s. ReliaCard wanted an ID verification 6 days ago I sent it I updated my address online they said that I can't do that and that's why it tripped the fraud alert so I put the address back to the old address and then resent the ID verification they said I needed to reactivate the card They said this three days in a row that I lock the card three days in a row my pay is still on the card and they will not let me have it they will not let me use it they will not transfer it and when I asked them to speak to the supervisor they said that I would get a call back in 24 to 48 hours that's the best they can do there holding my funds with no resolution or help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
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: I RECEIVED A DEBIT CARD IN THE MAIL I DID NOT APPLY FOR, I AM CONCERNED ABOUT SOMEONE TRYING TO STEEL MY PRIVATE INFORMATION, THERE USING MY NAME AND MAILING ADDRESS INFORMATION .I CALLED US BANK RELICARD SERVICES BUT THEY WERE OF VERY LITTLE HELP, I HAD MY PRIVATE INFORMATION STOLEN ONE TIME AND IT WAS A VERY BAD SITUATION FOR ME, I HEARD ABOUT THIS HAPPENING BEFORE WITH THE SAME COMPANY, I HOPE SOMETHING CAN BE DONE ABOUT IT ... ... ... ... ... ... ...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45230
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: 2021-02-18
Issue: Took or threatened to take negative or legal action
Subissue: Sued you in a state where you do not live or did not sign for the debt
Consumer Complaint: I have recieved a Garnishment order, witholding notice, and a false bill of collections in regards to my Child Support and my recently completed Trademark. It is out of state it's dated XXXX XXXX XXXX XXXX dollars. My child support case is in XXXX OR and has been closed XX/XX/XXXX. The paper work is poorly margined inconsistent ink printing the addresses and letter heading is wrong. Alongside with a false pass due bill for my Trademark that was cleared by the UPSTO demanding XXXX dollars. These letters are coming congruently and money is dissapearing from certain accounts in a very sneaky like manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97202
Submitted Via: Web
Date Sent: 2021-03-08
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: I checked my credit report when purchasing a vehicle, that is when I realized I am a victim of identity theft. I filed a report with the F.T.C and my local police department. I send all documents to the C.R.A and US Bank and XXXX XXXX. The Account Opened is US Bank Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$19000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$15000.00}. The Account Opened is XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$14000.00}. I have never opened an account with them, I am a victim of identity theft and I need this resolved and removed from my name and credit bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90038
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: 2021-02-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I initiated a refinance with US Bank on XX/XX/XXXX. I was told we would close within approximately 60 days. As of today XX/XX/XXXX, we have not closed, it has been over 170 days. I have shared my concerns with several US Bank employees and asked several time that this situation be escalated and it has yet to make any progress or be resolved. I have been misinformed and misled several time by US Bank employees. On XX/XX/XXXX, I received an email from the Mortgage Sales Manager at US Bank stating that they were waiting for the subordination form to be returned from Citizens Bank, ( 2nd mortgage holder on the property ). I later was informed by a US Bank underwriter that the subordination request was not even sent until XX/XX/XXXX, over a month after I was told that US Bank sent the request and was awaiting a response. I later contacted Citizens Bank and was told that the subordination submitted by US Bank was inaccurate and/or incomplete and it was sent back. US Bank submitted a 2nd subordination request which was again denied by Citizens Bank because it again was inaccurate/incomplete. Again, on several occasions I have asked to speak to senior management/leadership and I have never been given the opportunity. The only US Bank employees I have communicated with have been a Mortgage Sales Manager, Mortgage Operations Supervisor, and an underwriter. I recently asked the Mortgage Sales Manager if the original APR should change since rates have decreased since we initiated the refinance and that the rate lock has definitely expired. The Mortgage Sales Manager told me he would look into it. I had to follow up several times before getting a response. Finally, I was left a voicemail telling me the rate will decrease by .50 %. I truly believe that if I had not inquired about the rate and if I didnt continue to follow up, US Bank would have never adjusted the rate to the current market rates. I felt that this was very deceptive. Clearly, US Bank is not looking for the best interest of their customers. Originally, I was informed the entire refinance process, including closing, will take approximately 60 days. This process has now exceeded 170 days, my credit has been pulled several times, I have had to supply the same documentation, XXXX bank statements, mortgage statements, paystubs, etc. ) multiple times due to information expiring since this process is taking so long. US Bank has asked my current lender for payoff balances several times, ( at least 3 time ), and every time my lender sends the payoff statement I am charged a fee. At one point US Bank requested 2 payoff statements within 2 days of each other and I was assessed 2 fees by my current lender to provide the statements. Furthermore, I have not been given a concrete solution to this problem. I am constantly being told that we are working on it or we are doing our best. The last information provided to me is that US Bank will contact Citizens Bank and submit a 3rd subordination request. I have paid all requested fees and costs in full and timely. I have provided all requested documentation accurately and timely. I continuously communicated and followed up with US Bank. US bank has misled me on several occasions. US bank has clearly not been transparent and at times has been deceptive. US Bank senior management/leadership have refused to listen to my concerns and have refused to take any action to address/resolve any of my concerns. This has been an absolutely terrible experience, yet, I have continued to be patient and continued to fulfill any and all requests. At this point, I ask the CFPB to intervene to help resolve this issue and help prevent other consumers from having a similar experience.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60181
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: To Whom It May Concern, I am writing to you to make you aware of the unethical practices of US Bank headquartered in US Bank XXXX XXXXXXXX XXXX XXXX. MN XXXX. I have communicated with them on several occasions ( ongoing for about 2 months ) regarding my forbearance due to Covid-19 and each representative I have spoken to will not provide me with the information I am looking for. I have consistently paid my mortgage for 5 months now and none of those payments show up in my account as being paid. There has been several representatives that have verbally confirmed that I have been taken out of forbearance since I have been making payments consistently. However, the funds have been unapplied '' to my account. I have requested that the forbearance status be removed on several occasions now since I have been making my monthly payments on time. I am currently going through a refinance and originally I was told by US Bank representatives that they would provide me with a letter stating that I am out of forbearance so that I am able to proceed with my refinance and lock in a rate. Fast forward to now, XX/XX/21, I was on the phone with XXXX XXXX, one of their supervisors who insisted that she was not able to help me and provide a letter? So, now I am not able to lock in a great rate that will save me money and proceed with my refinance as planned due to their negligence and stringing me along for months to prevent me from refinancing elsewhere. Please let me know if you require any additional information. If they are doing this to me I am sure they must be playing this same game with many of their other customers. Regards, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02760
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Received this card in the mail. We did not and have never applied for this card. The card is a Reliacard from US Bank. I called the customer service number on the card but they will not answer the phone without giving them additional information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello my name is XXXX XXXX XXXX XXXX and my complaint is about Us Bank XXXX XXXX. I have been sending them my info for account card id XXXX. I sent them my Id, Ssc, Signed statement and a W2 and its been over 5 weeks and my account is still locked with my unemployment within in it .I am going through enough hard times as it is for this to be happening .I called several times and faxed and I do not get any clear answers at all from them on why my account is locked and why I can't have my funds that were deposited at all. Is there anything you can do to resolve this issue. my number is XXXX my email is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2021-02-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A