Date Received: 2020-12-29
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I was applying online to U.S bank credit card on XX/XX/XXXX ( Saturday ). I had reached a stage in which the credit limit was shown as {$600.00}. At this point I have the webpage up and have neither declined nor accepted the card. then call U.S bank customer service number regarding the credit limit increase and the customer service agent mentioned to call back next week to talk to the credit underwriting department. I then asked what I should do on the webpage as I dont agree with the terms yet and she mentioned to exit out of the page. I then exited out of the webpage. When calling back on Monday ( XX/XX/XXXX ) and speaking to the credit department they mentioned that they automatically approved the card and will send it out ( without my permission or any mention on the webpage and the lady saying that exit out of the page and nothing will happen ) This is a fraudulent opening of an account in my name without my permission. The website design is misleading and designed to open accounts without permission
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48104
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Problem with customer service
Subissue:
Consumer Complaint: On XX/XX/XXXX I received pandemic unemployment from the state of PA in the form of a visa debit card issued by ReliaCard. When attempting to activate the card I was denied access. I called unemployment and the treasury department where I was told there is no hold on the claim. On XX/XX/XXXX Reliacard sent a text message requesting a " selphie '', which I immediately sent. On XX/XX/XXXX, the card was still being denied. I immediately called, and was to fax SS, drivers license, 2019 tex return, and W2 form to fax number ( XXXX ). On XX/XX/XXXX I called again, since th card still would not activate. I was told then to fax it again, at 200 % magnifaction. I was then told the matter would be escalated and to call back in 10 business days. Ten days later I was told the hold remains and can not be lifted, with no instructions for recourse. PA treasury has issued the claims, as I have been able to successfully verify the amount on the card. Todate, I am still unable to activate the card. As of today, the debit card has over {$11000.00} issued in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Was sent a US Bank ReliaCard for unemployment claim. I am not unemployed nor did I apply for the card. I contacted the company to cancel card. They indicated my personal information was used.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40065
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I Had a credit card Flexperks US bank card XXXX had been up to date with all payments .Suddenly for no obvious reason the US bank canceled my credit card as far as I am aware I had paid all arrears till then, After a few months they reported there was a XXXX dollar balance on the card and started charging interest which accumulated to XXXX dollars ( including capital ) .They also appear to have reported me to credit agencies tarnishing my hitherto clean record.Though I disputed this unilateral and arrogant actions of this bank they claim they are allowed to take such actions without any reason.More than the money it is the smearing of my name and credit history which is surprising considering I was an excellent customer
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card in the mail today, XX/XX/2020, which I believe is fraudulent. It is a Visa card from U.S. Bank ReliaCard ( Introductory letter attached ). Neither my wife or I ordered this card, but we recently refinanced our home and believe someone may have accessed our information fraudulently. I attempted to contact US Bank at the telephone number and website they gave. The website located at : https : //www.usbankreliacard.com/web/usbankreliacard/login did not provide me any information about canceling a fraudulent card. Using the telephone number given on the card and introductory letter ( XXXX ), I was unable to address my concern. First, I was asked to provide information through AI about the account. When asked to provide my last 4-digits of my Social Security number, the account indicated that I need to be transferred to a customer service assistant. I provided information for both my wife and I without success. After being transferred, I waited on-hold for 20-minutes and was eventually kicked off the line. While waiting, I received several automated voices telling me they were extremely busy and thanked me for waiting. Eventually, a final automated voice told me that I could not take the survey because it was not available and then hung-up on me. I was not intending to take a survey, nor did I ask to be placed in the survey taking cue. I do not know how else to resolve this issue and would like to have a response from the company. It is very difficult to resolve my complaint when I can not contact a real-life customer service assistant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80120
Submitted Via: Web
Date Sent: 2020-12-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received two monthly mortgage statements in XXXX, the second statement showed unusually activity on the account along with an increase in the account outstanding balance. The unusually activity shown on the statement is listed as " curtailment reversal '' and " funds reversal ''. I contacted the bank by phone and spoke to an agent. After 30 minutes of discussion and the agent placing me on hold each time I asked a question, I was told that my outstanding balance had not increased and a letter would be sent out to explain the unusually account activity transactions. I waited a week and no letter. So I called again and spoke with a different agent. The agent reviewed the account and previous notes from my previous call-in. After 30+ minutes with this agent, he indicated that a letter again would be sent to explain the unusually listed transactions and the account balance issue. Again I waited a week and no letter. So I called again. I spoke with another different agent and explained the issue. This agent would put me on hold after each question and come back with a short statement and then on hold again. This conversation went on for 30+ minutes. Finally, the agent stated the account outstanding balance had not increased during the time between the two statements and said a letter had been sent out to explain this. I stated to the agent I had not received any letter and that I was not in agreement on her explanation regarding the outstanding balance. She hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94585
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Prior to XXXX we lived at XXXX XXXX XXXX. We paid off a loan and have a letter stating as such. When we went to move in XXXX there was a lein on the address. After discussion with an attorney about cost, in an effort to expedite the sale and our move, we paid US Bank again. This month I have received a document from US Bank with my new address stating a delinquency notice XX/XX/XXXX for the amount of XXXX. We should have fought this the first time but with court cost and trying to move quickly we just paid it off. US Bank refuses to put anything in writing about this document. This may cause numerous consumers to pay an invoice thats not even valid. We have paid them twice and they are now requesting more from almost 10 years ago.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Fraud or scam
Subissue:
Consumer Complaint: I have been a victim of a scam. I am unemployed and seeking work. I built a resume on XXXX XXXX and a company reached out for a virtual job interview. I accepted. The interview was at XXXX XX/XX/2020 and went til XXXX. I accepted the job offer and the company sent me an employee letter and XXXX to fill out. They sent a check over night for me to deposit and this would be used as my start up equipment. I was to begin training immediately after receiving my equipment. The check was deposited on XX/XX/XXXX. I was required to pay, using the funds once the check was cleared, to a trusted vendor that would send me all the programs needed already downloaded on the laptop. My bank has said theres nothing they can do once I started to suspect anything and XXXX has only sent an email saying they are not responsible. Hours after this happened while I was on hold with my bank for 1 hour I was losing access to mobile banking. Since I am unemployed and have only the government funds I receive for unemployment I now am required to use that money to live off of and start making payments to my bank for the transaction. I am upset because I disputed these transactions and us bank ran an investigation which no one contacted me to inquire about this and they do not have all the details so how did they complete the investigation? XXXX needs to take out their main add that they are backed by big banks so its safer than XXXX. And the banks need to help us as our financial institution. The scammers are getting too good for everyone to know how to handle these situations. Disappointed in everyone involved with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: usbankreliacard received ... .do n't know why. Never applied for unemployment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45503
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-28
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: First problem was resolved with me reporting my Reliacard stolen. Now having problems getting thru to a realrep due to calls being frauded. Reps don't know infor. At hey should know. Told by last rep that my self is I needed to send online was under review. Now told that it was never received. Reps not on dame page with responses. Don't know if talking to real rep. My act is inactive due to this. Unable to afford to update my PA ID with my PUA benefit on card I don't have! Had to send expired PA ID.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2020-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A