Date Received: 2021-01-14
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Back around XXXX of 2020, I lost wallet or it got stolen. So I called the US Bank XXXX XXXX people to let them know. Later that day I realized I had the card in my pocket still from using it the night before. Anyways, I called to let the company know and they told me it was to late my account had been frozen. So in order to get back on my account I got to have a valid ID front and back and take a selfish. Now im like I just told you I don't ha e my wallet ita gone. Anyways, they wanted a front and back picture of my id and had to be the hard copy kind not the paper like they give you. So here I am +3months later and I'm still waiting on my id to come through the mail and on the verge of losing everything. I got {$1500.00} in this account I really need b4 I have no place to live. What I'm saying is can't the people over at US Bank or XXXX XXXX services do some kind of zoom or face time to verify who I am. I mean the people that are " '' offline '' ' they use bc you can't talk to them I guess, already know everything about me anyways so surely they have a picture and can see if its me.. Wouldn't that be so much easier and less time consuming. This way people like me can get back to enjoying our lives! But when alot of what we have is in the bank and everything takes months to do at a time. Doesn't this seem alot more sensible? Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75150
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My reliacard account has been frozen since before XXXX. I have faxed everything I have to prove my identity. Customer service reps keep lying and telling me anything just to get me off the phone. I am facing eviction. I don't know what else to do. Please help!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77039
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: On XX/XX/2020 and XX/XX/2020 there were charges at XXXX XXXX XXXX XXXX AZ for {$310.00} and {$200.00} supposedly purchased with the chip. I called the fraud services and immediately received a new card and they began the resolution process. On XX/XX/2020 they charged back these charges to my account stating that there was no fraud. I called customer service and they said that I needed to submit documentation but would not tell me what type of documentation. I then found a receipt that I was at a doctors appointment in XXXX, California where I live the day of one of the charges. I faxed the information to US BANK. I then called to follow up and they said I needed to talk to a fraud specialist and they would call me within 24 hours. I have not heard from them and it has been over a week. They also stated it was not fraud because chip cards can not be duplicated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My husband lost his job last year with covid we asked US BANK to put us on a forbearance plan. We missed 3 payments he found another job and we called and asked for them to stop the forbearance. We started making payments in XXXX. They sent us the documents to finish the process we sent them back never heard from US bank until we got threating letter about foreclosures etc.. we called them they said it wasn't notarized so they threw it out. They sent another packet we never received in XXXX we called they told us to go online and submit the app that way so we had a lady on the phone walk us through the application. Never heard again from US bank XXXX we called they said there backed up and will get to it. XXXX we called got another run around were backed up there's nothing we can help you with its with an under writer now etc ... XXXX again were trying to refinance the mortgage my refinance company got involved with them and all they did was put us on another forbearance until XXXX. That is not what I wanted in the middle of all this I have been making my payments fighting with them to resolve my forbearance and put the interest free loan on the back of my mortgage and give me my new payment plan. They give us the run around every time and will not resolve my account. I have contacted their social media they have pushed it to the higher ups still haven't heard from them. I have been fighting to get this resolved for 5 months now and I'm not happy how US bank has handled it. I have done everything they asked by submitting paper work paystubs mailing back the paper work going online and submitting docs. They have never once reached out to me to resolve the issue. I have called every month on this with no resolution. US BANK is the worst bank ever!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80537
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have an existing account with US Bank in XXXX XXXX, CA. On XX/XX/XXXX I received 2 electronic funds deposits totaling about {$32000.00} from an acquaintance. I withdrew {$3500.00} in cash on XX/XX/XXXX. Then on or about XX/XX/XXXX I requested a cashiers check in the amount of {$20000.00}. This request was refused and US Bank put my account in lock down and froze the balance in the account. I attempted on many occasions from XXXX thru XX/XX/XXXX to find out what the issue was and why this was done? I was told that the ONLY person that could answer my questions was XXXX from the US Bank fraud department. I called XXXX at least 10-15 times & left messages, her # is XXXX. Finally XXXX called me back, she was extremely rude and threatening and told me that the funds were being sent back and that she was waiting on the forms to send the money back. I became very frustrated and gave up on trying to recover these funds. I recently logged, XX/XX/XXXX into the account and was very surprised to see that I could log in and see that the funds were still in the account! I have never received any messages or anything in writing from US Bank. I was able to review the bank statement from XX/XX/XXXX and see the balance. I am now unemployed and my state unemployment has run out and I need this money! I am going to meet with the bank manager, Ms. XXXX XXXX to request that the funds be released to me and the account closed. The phone number to her branch is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92128
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have gotten my unemployment benefits on this card and have not had a problem till now i changed my address online and us bank puts a hold on my card its been 3 weeks plus and have my unemployment benefits for a 2 week period they asked me for id verification i have send documents 5 times and every time its something else u told them about my id situationand how dmv in texas is by appointment only n all i had was a copy in color of my dl to today I have no access to my money I was not able to pay my bills cause i have no way to them this really frustrating n us bank has no action on they part every time i call they verify my identity so why cant they verify submitted documents thanks and any help will b appreciated ps. Im attaching all the documents i send us bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76140
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Dear Sir / Madam I recently obtained a copy of my credit report from XX/XX/XXXX It indicated that a credit inquiry was made by your company. However, this inquiry was not authorized by me. Therefore, I am writing to dispute this inquiry and have it removed from my credit report. Please have this inquiry removed from my credit report, as it is having a negative effect on my loan applications and my acquisition of credit. US BANK CONSOLIDATED All Banks - non specific Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX Personal statement ( s ) XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Originally the problem started with a restaurant ( XXXX XXXX XXXX XXXX, IL ) that I had cancelled an order with - They said I may be charged but that it would be reversed in about 3 days in a phone call conversation. I contacted them again later by email but no response. I then contacted my bank ( US Bank ) to dispute the charge several times and still no resolution. Amount of Charge XXXX Date of Charge XXXX Merchants name XXXX XXXX XXXX What was ordered/paid for? Cancelled food order Service/Merchandise Not Received ( 3 ) You recognize the company and withdrawal information but didn't receive the merchandise or agreed upon service from the merchant and the merchant is either unwilling or unable to provide the merchandise or service. The Approximate Date of Contact must be after the expected date you were to receive the merchandise/service. Have you attempted to resolve this dispute with the merchant? IF YES Answer the questions below Yes Approximate date of contact XXXX Spoke with Manager How did you contact them Phone/email Response The order would be cancelled and amount refunded Expected date of receipt of service/merchandise? -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - XXXX Did you receive any service/merchandise from this transaction? IF YES Answer the questions below no What was the value of the service/merchandise received? n/a
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-14
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: RECEIVED A NOTICE FROM MY COMPANY HR DEPARTMENT THAT AN UNEMPLOYMENT CLAIM HAD BEEN FILED AGAINST MY NAME AND SS NUMBER LAST WEEK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80550
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Wrong amount charged or received
Subissue:
Consumer Complaint: Today ( XX/XX/21 ) US Bank withdrew {$4700.00} from my XXXX XXXX checking account without my authorization. When I called their customer service they apologized, but said it would take about 7 business days to get my money back to me. XXXX XXXX seems unable to help. I can not go 7 days in the negative with my main bank account that all of my bills are paid through. I have talked to US Bank customer service twice and 7 to 8 business days was the best they could promise. I have asked to speak to a supervisor earlier in the afternoon, as yet ( XXXX EST ) I have not received a call back from them. When I contacted XXXX XXXX they said I needed to call US Bank. As of now no one can tell me why this withdrawal was made or how they mistakenly thought is was authorized. My XXXX XXXX XXXX address is : XXXX XXXX XXXX XXXX, OH XXXX Phone : XXXX. The US Bank closest branch address is : XXXX XXXX XXXX XXXX XXXX, OH, XXXX. Thank you very much for your time and attention to this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 450XX
Submitted Via: Web
Date Sent: 2021-01-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A