Date Received: 2021-01-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I recieve Louisiana unemployment starting XX/XX/XXXX. It is now XX/XX/XXXX and I still have not yet been able to recieve a ReliaCard. I have updated my account through la unemployment And have called over 100 times to fix the address problem. I have funds available on a card I never got and still havent got.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70663
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-17
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone opened account in my name and address for XXXX $ the XXXX XX/XX/2020 then the next day withdrawn the XXXX and the following day closed the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12020
Submitted Via: Web
Date Sent: 2021-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: US Bank changed PMI removal requirements after I closed the loan. To avoid PMI, I was willing to pay a 20 % down payment at closing. But the loan officer closed my loan with a 15 % down payment and informed me that I can pay the remaining 5 % anytime in the future and request to remove PMI. Last XXXX I called US Bank and asked them to take the remaining 5 % payment and removed my PMI. They told me to cancel PMI I have to pay 35 % of the original purchase price. This information was never disclosed to me before closing the loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34638
Submitted Via: Web
Date Sent: 2021-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I spoke to a lady i forgot her name but at the usbank branch and she would not give me help, and when i asked to speak to her superviser she cold transferred me to the closed fraud department.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98408
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/2020 I called US Bank per my rights in Regulation E, I filed a dispute for a company that charged money from my account without my permission. It seems that the agent placed a stop payment against the merchant without me requesting the stop payment. On XX/XX/2020 I was charge an Analysis Service Fee by US Bank ( invalid charge ), I was checking the US Bank website and there is nothing about Analysis Service Fee. On XX/XX/2020 I called US Bank Business Depto about the Analysis Service Charge and I spoke with XXXX, he said that when I filed the dispute a stop payment was placed against the merchant and that is the Analysis Service Charge for. I never requested the stop payment and I think is against Regulation E to charge for a dispute process even for any fee related with the dispute process. This is the second time that this happens to me with US Bank and the agent mentioned that it will continue happening because if a stop payment is placed on my account in the dispute process the Analysis Fee will be charged the next month post the dispute request and then I have to call and deal with all this situation to get refunded for the fee. On XX/XX/2020 I requested the refund and the agent said that I have to wait 1 or 2 business days to get the money back, money that US Bank charged incorrectly for my account. Now US Bank is moving my money and using it without paying interest and I am sure that there is a lot of clients having this issues as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: This card was a unrequested/presumed fraudulent debit card - Reliacard - sent out by USBank, in my name, to my address with a different DOB than mine. Cardholder services were contacted - they said they closed the card and recommended that I contact Ohio unemployment services - which I tried SEVERAL TIMES - they were never available, or able to assist with documenting the error/fraud- just overwhelmed by COVID related claims. Just concerned that the information was obtained/sent in the first place
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43026
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-16
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I had a home equity line of credit with US Bank for several years. It was free cause I had a checking account. I only had the checking account to get a home mortgage with them. I have a high credit score and no credit issues. I did a refi back in like XXXX with a new bank. When I did that I was told I needed to close the US Bank home equity line of credit. I thought we did that through the close process on my new mortgage - which paid off the mortgage I had had with US Bank. I received notice during the holidays on XX/XX/XXXX in a letter that I suddenly had to pay the home equity line of credit annual. I tried to close the account on XXXX - before the due date on XX/XX/XXXX for payment. And the bank now tells me I still have to pay the amount and that the draw date was XX/XX/XXXX. The draw date was before they sent me this statement so I could not have known this line was still open. I didn't receive a prior notification that this line of credit was still open after my close of the new mortgage. The customer service rep said a banker could waive at the bank, but at my work campus the branch desk for US Bank is closed cause my work site is closed cause of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95618
Submitted Via: Web
Date Sent: 2021-01-16
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, we deposited a large check payable to the IRS in a US Post Office mailbox on Post Office premises. In reconciling our US Bank checking account statement covering XXXX of XXXX, we discovered that the check had been altered, deposited by an individual unknown to us, and charged to our account. We contacted US Bank and they emailed us forms to fill out to report the crime. We delivered the forms by hand to the XXXX XXXX office of US Bank in XXXX, TN on XX/XX/XXXX. XXXX Bank conceded readily that the check was obviously altered but has refused to recredit our account. We have communicated with US Bank many times since XX/XX/XXXX by phone and email. As of XX/XX/XXXX, despite our continuing demands, our account has not been recredited for this stolen and altered instrument.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37205
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I contacted US bank as they are not reporting I made a payment on card ending in XXXX in XXXX of 2020 to XXXX and XXXX They told me to send a letter, which I did. They sent a letter back saying they investigated and everything is accurate. They included a phone number in the letter to call, and when I call they say they can't do anything about it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 513XX
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-15
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Late payments XXXX, XX/XX/2020 XXXX XXXX XXXX XXXX Late payment XX/XX/2020 US Bank These cards are business accounts used for Counseling Solutions, a counseling health care business in XXXX, Texas. During COVID we were closed for XXXX months until we could service clients online. The payments were caught up immediately when we returned to the office late XXXX, 2020. I have spoken to the companies and appealed these items since they destroyed by credit score. Both ascertain COVID is no reason to not pay ; I also explained that I had called each business at the end of XXXX to let them know the payments would be late. The Customer a service Reps told me to do what I could to pay ( whatever that meant ). I had exceptional credit history before these. Please help me resolve these horrible marks on my credit report ; these businesses will not help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76513
Submitted Via: Web
Date Sent: 2021-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A