Date Received: 2021-01-08
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 US Bank Reliacard that I did not request. Document states it is for payment of unemployment benefits which I did not apply for and do not want. I am retired and not entitled to any unemployment. I have made several phone calls to the numbers provided but was on hold for an hour or more. Then when I did finally get to talk to a real person and told her what I wanted to do, she said she'd transfer me to the fraud department and after another 20 minutes on hold I was disconnected. There were 2 other numbers, one for activation which I did not call and the other phone number provided was not in service. The paperwork that came with the card said if I did not request it, to submit the attached form, but the form did not include an option to submit. I opened the address they provided for submission, XXXX but it was not an email address and had no further option to send the form.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80015
Submitted Via: Web
Date Sent: 2021-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been trying to work with my lender but they continue to give me the run around. One week they advise they have everything they need and the next they ask for the same thing over again and I have to go back and tell them when it was sent and they mysteriously happen to find it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77396
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Other information I would like changed US BANK Account Number : XXXX Please remove the late mark on this account and update the status to current and paid as agreed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60610
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: I paid off a loan with US bank and on the last month they had a different/ lesser amount listed which I paid in full. Then 3 weeks later I look on the app and it says I didnt pay amount in full and was past due. I paid the amount listed, it was an error on their end on two app. I also paid the balance in full within 30 days but they still reported the late payment to the credit bureau. When I called them they said they would have it removed but they did not keep their word. They even waived the late fee so clearly they were at fault.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am a valued Client of US Bank, for more than 10 years, with impeccable, responsible banking relationship with the bank. I opened my HELOC Account with US Bank for more than a year now and my financial responsibility history is sterling, spotless : I want to file a complaint for the fact that I was MISLED by USBANK bankers in relation to my existing HELOC account. 1. I have an existing Heloc Account, XXXX balance and I was planning to close it. 2. On XX/XX/XXXX, I called Banker XXXX XXXX XXXX ) at ( XXXX XX/XX/XXXX ) and after he reviewed my account with me, he assured me that I will not be charged with any penalty if I close my account on that day and he confirmed with me that after 2 business days I will receive an email statement of account closure, so I articulated that definitely, I am closing that account and he told me that I will receive a final statement via standard mail of no balance statement as I requested it for my another existing loan. 3. On XX/XX/XXXX, I called again and spoke with Banker XXXX XXXX XXXX XX/XX/XXXX) and confirmed with me that my HELOC account is closed and no balance as I was told to wait for my letter in standard mail system. 4. On XX/XX/XXXX, I called again and spoke with Banker XXXX XXXX XXXX XX/XX/XXXX ) and she told me that I can not get the letter because I have to pay XXXX dollars as penalty for closing the account. I complained that nobody explained that to me and truth of the matter is, I was being MISLED and held up on this account. So, I requested then, if they can waive it being a valued client but she said I have to go a nearby local branch as she is not authorized to waive the penalty and only a local branch can waive this type of penalty. I believe I was being MISLED again on that statement. 5. I searched over the internet and I could not locate any local branch within XXXX so I decided to call on XX/XX/XXXX and I spoke with banker XXXX at XXXX XXXX XX/XX/XXXX ) and I explained my complaint and I requested to elevate my grievance to a Senior Banker and I was able to speak with XXXX. She reviewed my contract and she said she will elevate this case to her back office and I could follow up on this claim/ complaint after 3 days and encouraged to call again and speak again with a Senior Banker and she noted my cellphone, if they chose to speak with me personally. 6. I called XX/XX/XXXX Monday at XXXX ; XXXXXX/XX/XXXX to follow up and spoke with Senior Banker XXXX and I demand a supervisor and email address for me to formally file this complaint and I was able to speak with Ms. XXXX XXXX XXXX email : XXXX XXXX 7. Ms. XXXX promised me that she will elevate this customer complaint to her supervisor and I was given tracking number XXXX and today iI spoke with senior Banker XXXX saying that my request was denied. 8. Essentially, I summarized my complaint that I was being misled that closing this account after Bankers XXXX and XXXX reviewed my account and assured me that I will not incur any penalty but eventually I was being asked to pay XXXX dollars. 9. Being a loyal and valued client of US Bank, all I am asking is to waive this penalty as its not fair for me to be charged this fee after i personally requested to review my account before I decided to finally to close it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07109
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I purchased a vehicle using this lender, made my payments on time every month. I decided to trade my vehicle in to purchase another vehicle and the dealership held onto the vehicle and did not return it as promised. The vehicle was paid in full and the dealership is stating the vehicle was returned and the lender is giving falsified information as this loan is paid in full and I am not responsible for the misunderstanding between dealership and Lender. Please help assist me with compliant as I want it removed from my credit reports reporting negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2021-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a Visa gift card from XXXX that indicates that it can be used anywhere that a visa debit card is normally used and this is not true. It has been declined at both XXXX and XXXX so far, which is the only reason that I bought it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2021-01-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I was notified by my credit monitoring service that I was 30 days past due on my lease payment. The information stated that the month of XXXX was 30 days past due. When I called to ask for the removal of this derogatory information, I was told that US Bank does not remove reported information. I called to dispute the late payment and was told they couldn't find it in their system. I explained that I never received information that my payment was late. When I paid my lease in XXXX it was larger than usual, I assumed it was for the following month as well and I paid for both. After US Bank looked through my account, they determined that my payment wasn't made in XXXX, not XXXX. I was never notified that my payment was late. I have since disputed the late payment information on my XXXX report. Things have been difficult during this time of COVID-19. My mortgage has a COVID forbearance so that I could continue to pay my other bills. I would like to resolve this matter, enroll in auto-pay, and have this information removed form my credit report. US Bank was not interested in helping a reliable customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: On XXXX, 2018 my bill did not go through when it was on auto-bill. I reached out to the company and they said that they saw the payment try to come out of the bank but it was rejected. They never notified me of the rejection and gave me this late payment. I now can not get a mortgage because of this mark on my credit and the company will not help me with this unfair situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45140
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-06
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I have been charged inactivity fees on 3 US Bank gift cards, each had {$50.00} dollars. Gift card numbers ended in XXXX, XXXX, XXXX. I was charged fees until the balance was {$0.00} dollars. I reached out to US Bank, to explain my situation and I received a letter stating they will refund each of my cards one years worth of inactivity fees, {$24.00} dollars back to each card. The letter requested that I submit photos of my gift cards to a Us Bank email they provided so that I can get my money back. I have not heard back since XX/XX/2020. I contacted the email 2 times, all I ever received was a reply to call a customer service phone number. I called and was told to call a different number. I called and they said there is no record of this email address or my giftcards. I was told there is no email address they have or dept for giftcards that I can forward a copy of my letter to. I was put on hold for more than a hour and nothing was resolved.All they did was give a mailing address and told me to write in about my problem. I feel that they are giving me the run around and making the process of returning my money very difficult. Its bad enough I lost my money through inactivity fees and that they are only willing to return a portion of the original amount. My cards have not yet expired by the way, the date is still valid. But to make it this hard to get back a small amount of money is ridiculous. This makes me feel like this whole company and their operation is a scam. How can it be that a company this big has no email address to contact? Honestly, to sell a giftcard and have the consumer spend money on it, only to have the money taken back through fees is bad, but to make it this hard to be able to reach the right dept is unbelievable. Terrible, terrible customer service. Never had a problem with any other giftcard like this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91761
Submitted Via: Web
Date Sent: 2021-01-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A