Date Received: 2021-01-13
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 got a US BankReliacard.com in the email that I did not ask for, nor do I want. I am not unemployed. I tried calling the various numbers on the paper and went to the website for the card, but the only option was to activate the card, ie there was not an option to talk to a live person. On XX/XX/XXXX my companies HR department informed me that my SSN might have been compromised as they had received and unemployment form for me - thus they have given me the need steps I am taking. This card arrived in XXXX mail on XX/XX/XXXX - so assume it is part of the entire fraudulent activity. Thanks for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80122
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX. XXXX, XXXX and XX/XX/XXXX US BANK XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. No contact information has been reported by this creditor. On XXXX. XXXX, XXXX, XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. On XX/XX/XXXX and XXXX. XXXX, XXXX, XXXX XXXX, XXXX add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: This is a complaint against XXXX XXXX, owned by US Bancorp bank. I closed my account 35 days ago and still have not received my funds, despite my many efforts and contact with XXXX. Timeline : XX/XX/XXXXh : I closed my savings account on XX/XX/XXXX and was told to allow 14 days for allow a check of my funds ( {$250000.00} in initial deposits plus the interest earned at XXXX ) to arrive. This 14 days is also outlined in the agreement. XX/XX/XXXX : No check arrived in the 14 days after I closed the account. On XX/XX/XXXX, 21 days after closing the account, I called customer service to follow up. They told me they would have to issue a new check, because it had been over 14 days. They told me it would take 3-5 business days to receive a response from the department which issues a new check. They said they would contact me after that. XX/XX/XXXX : On XX/XX/XXXX I called customer service again. The representative, XXXX, told me they a new check had been sent, which would arrive in 6 business days ( by XX/XX/XXXX ). They had not contacted me about this, and it was still longer than I felt appropriate, so I asked to speak with a manager. After a 15 minute hold, XXXX came back on the line and told me that in fact the new check had not in fact been sent out yet. It is unclear whether he made an error or if he had lied before. He said he would expedite the check to arrive within 3 business days. I requested he mail it overnight instead, as it had been 4 weeks since I closed the account. He told me they did not offer that. I asked again to speak to a manager. The manager ( I did not get his name ) told me 3 business days is the fastest they would offer, but he offered me an alternative : they could transfer the money back to my XXXX XXXX XXXX account via ACH. He said this would take 4-6 business days. I asked why it would take so long, because ACH transfers can be made next day or same day, especially to a major institution like XXXX XXXX XXXX, and certainly XXXX has that capability, as they advertise instant peer-to-peer transfers, XXXX XXXX, and a national charter. The manager said he did not know why it takes so long. I again asked him to mail a check overnight or send a faster ACH. I was put on hold again, then the manager returned, offered no expedition on the matter, but he offered me a {$25.00} credit for my trouble. He then asked whether I would prefer the check or the ACH transfer. I told him I preferred the ACH transfer, and I asked for confirmation and tracking for it. He told me he did not have the ability to provide that. He said my next step was to reply to an email just sent from XXXX, confirming my desire to have the money transferred. He said I could ask them for tracking and confirmation. After the call, I immediately replied to their email. I again expressed my discontent, reiterating that I had waited 28 days already, well beyond the 14 days in the agreement. I asked that my money be sent same day ACH or wire transfer. XX/XX/XXXX : The next day, XXXX replied to my email stating, I apologize for the inconvenience. We will return the deposits to XXXX XXXX XXXX and will issue you a check for the remaining balance of {$330.00}. Please allow fourteen ( 14 ) days for processing and mailing of the refund check. They offered me no time frame for when the transfer would be sent or when I should expect it in my account, just that the deposits will be returned. They also had not previously mentioned they would only return deposits of {$250000.00} via ACH while sending the interest via check separately. XX/XX/XXXX : I called customer service for confirmation and proof that funds had been sent and to get the exact timeframe for when they would be in my account. The representative, XXXX, told me on the phone and sent email confirmation that the funds had indeed left my account and would arrive in my XXXX XXXX XXXX account by Tuesday XX/XX/XXXX at the latest. I also asked her for copies of my account statements, since I had been locked out of my account following its closure. She put in a request for them to be sent to me and told me I should receive them within 2-3 business days. XX/XX/XXXX : as of XXXX Eastern time, I have not received the deposits in my account. I called XXXX XXXX XXXX, and they confirmed that no money had been transferred in from XXXX. They also informed me there are no pending or scheduled transfers to my account for the next 3 business days either. In addition, I have not received copies of my account statements. Conclusion : It has been 35 days since I closed my account and I have not received any of my money back. XXXX has provided misinformation to me on multiple occasions and has delayed returning my money to me beyond any reasonable timeframe. They continue to provide no proof of any action being taken towards returning my money ; the information from XXXX XXXX XXXX confirms this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32806
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
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 wasin a natural disaster distroying everything i owned and they are still sending me bills and dropping my credit with this information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 50158
Submitted Via: Web
Date Sent: 2021-01-13
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: my current unemployment benefits are being held up by US Bank due to a address change. I have verified my Identility but account still locked
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77904
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-13
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I am contacting you to notify your office of the egregious, aggressive and illegal debt collection tactics that US Bank has been engaging in. I have been misled and victimized by misrepresentations made by their collection agents. I have been promised resolutions that do not exist, and as a result tens of thousands of dollars that I do not have were withdrawn from my bank account. I trusted US Bank and have made good faith efforts to resolve the situation but instead get half truths and misrepresentations and an attempt to force me to sign a confession of judgment. I feel this is outrageous and unacceptable. I began using equipment financing for XXXX XXXX in the year XXXX. I have always paid my loans on time. When Covid-19 hit, XXXX XXXX was severely impacted. My revenues dropped 75 % due to the lockdown in my county in the spring. US Bank has made tens of thousands of dollars off of me in interest and regular payments for years. Now I am in a terrible situation -- many of XXXX XXXX are in trouble and have asked for reduced payments or they are not paying us, or they have gone out of business. I have lost more than half of my old XXXX XXXX and I am unable to put anything towards marketing right now. I have worked on several different avenues to improve the business and so far it does not seem sustainable due to the lack of business recovery in my region. The new shut down order that went into effect in XXXX is another nail in the coffin for XXXX XXXX. If I do not get permanent and significant relief from XXXX XXXX debt obligations I will be out of business soon. My industry has dramatically changed and now working remotely is becoming a norm with many of our client base and especially in the IT industry which we provide service to. Over the last 60 days I have been unable to collect payments from ANY of XXXX XXXX for services, instead I have to invoice them and HOPE they pay me for the services early next year. My cash flow is non-existent and I need help. I have paid close to or more than half of the balance on this agreement. The servers that I purchased from US Bank are now obsolete and outdated and are worth cents on the dollar. I contacted their office to attempt to negotiate a resolution when the pandemic hit and was told that if I made a large payment in XX/XX/XXXX of {$11000.00} that US Bank would offer me a settlement. However, there was no settlement offered, but instead a three month forbearance that did not help my company resolve this matter. While going back and forth to try and get a real settlement offer on the table US Bank made an unauthorized withdrawal of {$2900.00} as payment towards XXXX XXXX agreement and {$2600.00} towards the other finance agreement. I did not say this was OK. I was finally offered a settlement with a slight reduction in the balance and a new 5 year term with payments of {$5000.00} per week. I was shocked when I saw an illegal Confession of Judgment hidden in the paperwork, this was not disclosed to me, and this type of document is not legal or valid in my state. Since that time I have reached out to try to work out a reasonable resolution, but US Bank keeps telling me that the only offer on the table is $ XXXX with a confession of judgment. This is not acceptable
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: U.S. Bank sent two letters containing Visa Debit Cards to our address on XX/XX/2021. One Visa Debit Card is in the name of XXXX XXXX and one Visa Debit Card is in the name of XXXX XXXX. These cards supposedly link to existing checking accounts at U.S. Bank. However : ( 1 ) Neither of us have existing checking accounts at U.S. Bank, ( 2 ) Neither of us solicited a bank account at U.S. Bank, and ( 3 ) Neither of us solicited a Visa Debit Card. We have attempted to call U.S. Bank at the phone numbers provided in the letters but are only able to access an automated system which will not proceed without us establishing accounts and activating these cards. We are concerned here that one of two things has happened : either ( 1 ) we are victims of identity theft and some third party is trying to establish accounts in our name, or ( 2 ) U.S. Bank is engaged in bank fraud. In either case, we request the assistance of the Consumer Financial Protection Bureau. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43402
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
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 Visa Debit card ( U.S. Bank ReliaCard ) from USBank for unemployment benefits. I am not on unemployment and received this card in error. It came attached to a Welcome letter and instructions on activating the card. I tried calling the number on the card and they basically say due to covid there is a delay in response. My thought is to cut the card up ; but, this needs to be reported so these mistakes don't keep happening and people do not use funds fraudulently. Thank you, XXXX
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: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
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 in US Mail a USBank Reliacard Debit card. I did not know what it was ; I did not sign up for it. I called US Bank Customer Service in XXXX, FL ; agent said it is for unemployment benefits. I am XXXX ; I am not employed. Agent cancelled the card and said she would notify her manager. She advised me that someone has opened a claim for unemployment using my name and SSN. She said to file a complaint with CFB, file complaint with FTC, call the Ohio Attorney General 's Office to report, and notify Ohio Unemployment Services. I have now done all of these. I am in the process of checking my credit with all 3 credit- reporting companies. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-12
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: In XX/XX/XXXX, I received notice from U.S. Bank that I was approved for a mortgage re-modification. My first payment was due on or about XX/XX/XXXX ; however, the COVID 19 pandemic, which occurred that same month, shuttered all businesses in the District of Columbia and forced me out of work. I spoke with a bank representative who told me that the bank would extend a courtesy and allow me to make that first payment the following month XXXX XX/XX/XXXX ). Prior to making that payment, I received notice from U.S. Bank dated XX/XX/XXXX informing me that the re-modification was cancelled due to non-payment. I explained the details of the XXXX call, but it was to no avail. At some point thereafter, I completed the application for a forbearance plan and on XX/XX/XXXX, I was approved for a 3-month forbearance, which covered XXXX, XXXX, and XX/XX/XXXX. In XX/XX/XXXX, I received a notice dated XX/XX/XXXX confirming my request to enter into the CARES Act forbearance plan. This same notice stated that my forbearance plan was active from XXXX - XX/XX/XXXX. On XX/XX/XXXX, I received another notice from U.S. Bank informing me that You are already on an active forbearance plan as a result of COVID-19, and there is no additional action needed at this time. During the month of XXXX, I received numerous notices advising me that the COVID-19 forbearance under the CARES Act was scheduled to end on XX/XX/XXXX ; however, I had the option of extending it for another 180 days. I decided to exercise that option and called U.S. Bank on XX/XX/XXXX at XXXX EST to extend the CARES Act forbearance. I was told that it had been extended ; however, I continued to receive notices from U.S. Bank warning me that the forbearance was scheduled to end on XX/XX/XXXX. Shortly thereafter, I again called again U.S. Bank to inquire about the forbearance extension and was again told that it had been approved and I would receive notification in the mail. I called again on XX/XX/XXXX and XX/XX/XXXX only to be told that there was now an issue with my account and they were having an issue extending the forbearance. I was repeatedly told that there was an issue on their end, but that issue would not interfere with the processing of my forbearance extension. The forbearance was not extended. In XXXX, I received a notice dated XX/XX/XXXX, informing me that We have attempted to reach you to let you know the status of the payment suspension and that action is required on the account. At this time, your forbearance plan has expired, and the mortgage is in default. In addition, late fee assessment on the account may resume and we may begin reporting any contractual delinquency status of the account to the credit reporting agencies. The CARES Act forbearance STILL has not been approved despite repeated attempts and requests to do so. I called yet again on XX/XX/XXXX ( after receiving the above referenced notice ) and was on the line with a representative for more than 20 minutes and was told about the very same issue they were having with extending the CARES Act forbearance. I was told that the issue had been escalated and there was no reason for me to continue following up as they would automatically process the extension, but that did not happen. I again called U.S. Bank on XX/XX/XXXX only to find out that I still have not been approved for the COVID-19 CARES Act forbearance, which lawfully entitles me to an additional 180 -day forbearance. U.S. Bank is willfully refusing to apply the CARES Act forbearance to my account and is threatening me with legal action as well as reporting negative and untruthful accusations on my credit report. I am at a lost here. Ive done all of the things that were required of me to receive the benefits I am entitled to under the CARES Act, but U.S. Bank refuses to concede that I am entitled to those benefits. As such, I am in real and immediate danger of losing my home during a global pandemic all the while trying to cope with a very recent XXXX XXXX diagnosis. I am afraid and I am alone with no tools or resources to fight U.S. Bank for the benefits I am entitled to under the CARES Act. As such, I am requesting that your office intervene in some meaningful way and force U.S. Bank to extend the CARES Act forbearance for the statutory term.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2021-01-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A