Date Received: 2024-02-28
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I claimed a few weeks of unemployment in XX/XX/2021, was approved, funds were placed on a reliacard then immediately frozen, when I inquired about the reason for this my account was deactivated. Reliacard claims the government agency that allocated the funds, deactivated my account. Unemployment office tells me they have no knowledge of my account being frozen or deactivated. Nor do they have the authorization to do anything to my reliacard account in anyway. They simply contracted us Bank reliacard to distribute funds. Reliacard insists there is nothing they can do. I've called close to if not more than 100 times since 2021 trying to get a straight answer about what I need to do to access my money. I've pleaded with them when I was getting evicted from my house, losing my storage unit with everything I own in it. I was willing to do whatever they needed me to to verify my identity, I've spoken to the unemployment dept. After almost every call made to Us Bank. I've gotten answers as to why my funds are being held or how to obtain them. They did send me an envelope full of Bank statements for every month they've had my money. But it's useless. {$1500.00} isn't an enormous amount of money but had I received it when I applied for it I doubt I'd be homeless right now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97301
Submitted Via: Web
Date Sent: 2024-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a 15 year old credit card account with US Bank under the Cash+ rotating categories cashback rewards program and have kept my rewards categories unchanged for over 14+ months. Most recently, as of my last 2-3 billing statements my 5 % cashback at Electronics stores ( XXXX ) and XXXX XXXX XXXX XXXX ) have no longer been credited 5 % cashback for purchases. In the past 2-3 billing statements I have lost {$59.00} in cash back rewards for purchases, including a {$1000.00} purchase at XXXX with the same 5 % cashback categories that I have always kept on this account, the categories were never changed, as claimed in their previous letter response. See attached PDF for evidence and details about this complaint, there is clear and evident proof that both merchants XXXX and XXXX are both 5 % cashback categories and that I have earned 5 % cashback from purchases from them in the past, but for some reason in the past 2-3 billing statements all of that is no longer true for this account and there is an obscure negative rewards balance that doesn't seem to be accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33130
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX and XXXX have been reporting erroneous information thus dropping my credit score more than XXXX points. Starting in XXXX of XXXX I have disputed the problem several times. In XXXX of XXXX my credit report was finally updated however shortly thereafter the wrong information was re-reported. I disputed the situation again and it was corrected but only to report incorrectly again. Each time the wrong info is reported my credit drops by about XXXX points. Not only is the information that is being used dated back to XXXX, there is no bank statement supporting the claim that I have a debt of more than {$15000.00} as they have reported.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have duplicate inquiries from this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77429
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened an account with US Bank in XX/XX/XXXX. They promised me a bonus, and a set of free checks. I did not receive either of these promos because : XXXX. Even though I applied to open the account during the promo period, US Bank did not actually open. my account till after the promo had ended. XXXX. I signed up for checks because they promised me free checks at account opening, but when they actually opened my account they charged me {$38.00} for the checks. I never recieved these checks. They also said that since these are " electronic '' checks so no actual goods will be ever sent. In XX/XX/XXXX, after trying multiple times to get US Bank to honor the promotions, I was exhausted and asked them to close my account and send me my balance. They promised they sent me a check but I never received it, even though the address I provided them is correct. Fast forward to XX/XX/XXXX, I can not get a timeline on when I can expect my refund. They also want me to sign some papers before I can get my refund but they won't send me the papers I am supposed to sign.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01880
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a letter in the mail today. It had a supposedly prepaid debit card for {$25.00} from US Bank. I called US Bank. This is not a recognized card number. I believe this is a phishing scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37066
Submitted Via: Web
Date Sent: 2024-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-28
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I am living in the XXXX and I request to send me a new atm card because the one I have is having some issue but I told them if then can do the expedite for shipping because the last time took almost 2 months to received the card and I really need to get an access to my money.and now I am having the same issue, I have some emergency and I call them that I need to get access to my account and they can't help me because I need to wait for my new card to arrived which is I don't know the exact date and the hospital won't admit me because I need to pay first before I can get admitted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-03-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was reported greater than 180 days delinquent on my mortgage with US BANK while I was on an approved forbearance plan. During the forbearance period, I submitted an accepted loss mitigation application that required several additional information requests before a loss mitigation decision could be made. I was informed, after continuous questions to multiple US Bank representatives, that during this period I would not have credit reported. The application was considered complete on XXXX, additional information was requested this date, then again on XXXX, then again on XXXX. I repeatedly complained about how the process was taking and also stated that the additional information request were superficial and not pertinent to making a sound financial decision. I stated for the record I believed this to be a tactic to put me in the worse financial situation with a VA loan. I was assured that my credit will be protected while going through the process and that the goal was to keep me in my home. In XXXX of this XXXX, a decision was made and trial repayment was scheduled. In the letter for trial repayment I was informed, in writing, by US Bank that no credit reporting will take place. I checked my credit to be sure. US bank lied. The same date US bank sent the letter, I was reported delinquent greater than 180 days to the credit reporting agencies. I called multiple times and initiated a credit reporting complaint to customer service department only to be told that the reporting was legit and in proper guidelines. I will seek legal counsel if this situation is not resolved. My personal credit is vitally important to my financial health and capability to earn more income. I feel US bank intentionally did this to make me a credit risk that impairs my ability to seek other mortgage options. Please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 322XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: About a year ago the collection agency XXXX XXXX XXXX XXXX started trying to collect a debt that I settled. I explained that it was settled about 5 years ago. I now have a complaint summons from them, that they have started a lawsuit. I consider this harrasment and should be delt with as illegal activity by them. Not only are they violating the statue of limitation on debt they have not shown me proof of any title or assignment. They last time I paid to this card was more than 7 years ago before I started the settlement. I have seen that they have been reported to you many times for the same activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Had an account with XXXX XXXX XXXX USBANK is now the account card holder. REWARD POINTS/ PERKS issued on three separate cards with each card having a separate Denomination/ Value/ Amount with the total amount equaling {$220.00} dollars. one card is {$25.00} second card {$100.00} and third card {$100.00}. The value {$25.00} was used up in fees Each card was deducted {$3.00} per month plus inquired about a replacement card because of cards expiration, I was charged an additional {$15.00} per card replacement. The cards were never activated for use.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-02-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A