Date Received: 2020-12-24
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: My US Bank Kroger rewards credit is scheduled to auto pay on the XXXX of every month. On the XXXX of this month, I made an early payment and not waited for the auto payment date knowing that this early payment will satisfy the automated one as I have done with my other credit cards. I checked my statement on the XXXX to double checked if my payment was accepted as this month 's payment. I printed my statement and on it stated that " THERE'S {$00.00} DUE ON THE XXXX. '' I SENT THEIR CUSTOMER SERVICE A TEXT ABOUT THIS EARLY PAYMENT SO THEY WON'T DEDUCT ANOTHER ONE ON THE XXXX. The same Company victimized my wife 's credit card account by double deducting payments under the similar early payment circumstances. That's the reason I sent them a text advise about my early payment to avoid the double payment incident happening to me. They didn't listen to it and deducted another payment today, the XXXX. We are retired and on a fixed monthly income and also physically handicapped to worked a few hours to cover for the {$47.00} the deducted illegally so we won't go HUNGRY FOR A FEW DAYS. The company should be stopped and fined for this ugly, false and misleading information and practice. I hoped I get a fast resolution. BY THE WAY, THIS ISN'T THE FIRST TIME WE'RE VICTIMIZED BY THIS UGLY BUSINESS PRACTICE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43229
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I have a Washington DC US Bank reliacard account in which it doesnt seem that the retained earnings from previous months are carrying over into the next month. I know that is {$11000.00} in the account based on income versus expenses but theres nothing left over like can I complain earnings. Even though Ive done the math on the competitions they are refusing to add back the code saving everything I need that work or should essentially be in the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20011
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I saw an ad that was very prominent on the U.S. Bank website for their new XXXX XXXX XXXX XXXX credit card, offering a bonus of XXXX points ( worth {$250.00} ) for new cardholders who spend {$1000.00} in the first 3 months. So I applied for the card in XX/XX/XXXX, in part because I wanted the bonus. I was approved for the card and received it, and then spent the required amount to earn the bonus. On XX/XX/XXXX, U.S. Bank paid me XXXX points instead of XXXX. I called them and they said I must have mistakenly applied for a different bonus offer and that it's my fault. But there was only one bonus offer for this card, and it was XXXX points, and that's what I applied for. They said they'd have to research it and they'd send me a letter in a few days. I haven't received a letter. I believe they have been deceptive in their marketing. They baited me in with the offer of XXXX points and then switched it to XXXX without my knowing and are making up some fake reason so they won't have to pay me the remaining XXXX points. I have attached a screenshot showing the offer of XXXX points, which is still prominently showing on their website. It is the same ad today as it was when I applied for the card in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84058
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Beginning XX/XX/2020 I begin to have problems with my USBANK RELUACARD. My unemployment benefits are deposited to this card. Ive never had any problems until I moved this month. On XX/XX/2020 my balance was available but my account was blocked. After being on hold with customer service for 45 minutes to an hour, I was told my account was in the fraud department. I was instructed to send my government ID & a selfie to verify.usbank.com/id. On XX/XX/2020 I received another call from the fraud department stating I needed to resend my ID & selfie because it was unclear. Again I sent the information. Here it is XXXX XXXX and another check has posted. But because of their neglect in processing my information I am without electricity, food or gifts for my family. I called again this morning and got the same run around that Ive gotten a week ago. The CSR all say they would put in a ticket and send it to escalation department. I hung up and tried another number where the CSR explained that there was a message on my account had a note from the escalation department from XX/XX/2020 stating unable to lift block. Why the previous CSR didnt relay that message is applauding to me. After 2 times of send ID/selfie Im still unable to access MY benefits. As if life isnt hard enough because of the pandemic now I have to wait for another 5 to 7 days. Tomorrow Friday is XXXX so that is an additional delay. I have put in a complaint about this company before to no avail. THIS ON TOP OF UNEMPLOYMENT BENEFITS POSSIBLY EXPIRING THIS WEEK NOT BEING ABLE TO SUPPORT MY FAMILY IS EMOTIONALLY DEPRESSING. I intend to file a lawsuit for emotional distress, and my wages that are an available balance as of this date {$410.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70461
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-24
Issue: Problems at the end of the loan or lease
Subissue: Termination fees or other problem when ending the lease early
Consumer Complaint: I had leased a XXXX XXXX XXXX and the bank is US Bank acct # XXXX The lease was due in XX/XX/XXXX and at that time I was unable to get a new car lease ( lack of option due to lack of production due to Covid ). I called US BAnk and went over th extension options. The options given were either month by month or a 6 month extension. i choose the month by month option as I was hoping to get a new vehicle sooner than later. Each month I would call ( each call took 30 minutes as their customer service stinks and bounce you from department to department ). I would tell them that I needed to extend and would pay by phone. They mysteriously charged me tax again on the lease each month. Now that I have turned in my vehicle I have received a letter stating that the lease is in default and I only extended for 1 month. I am currently on the phone with them going on 1 hour, again being transferred from department to department. I am being told that there re now lease termination fees and because the lease has not been extended I know need to pay additional for all the excess miles. I have paid 5 additional months, on time, since the end of the lease as I have been instructed to do each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11803
Submitted Via: Web
Date Sent: 2020-12-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I only have a vehicle loan with USBank, NO OTHER TYPES OF ACCOUNT. I received a Debit card for an account with USBANK that I DID NOT REQUEST!!! The card had my name miss spelled. Addressed to my house. Very concerning that USBank would be setting up accounts with out request of the person. I will be contacting US Bank about this but this should be followed up by the Consumer Financial Protection Bureau with USBank.
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: 2020-12-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Im trying to access my USBANK ReliaCard. This morning I tried to sign into my mobile banking app and it wouldnt let me so I called ReliaCard. An agent told me that my card was inactive and there was a comment on my account that said to contact the state. I did and the P.A UC said that they did not put a block on my ReliaCard so that I needed to call them back. They still wouldnt unblock my card. Mind you back in XXXX my account was blocked up until last month, XXXX because they had a type in their system with my address. ReliaCard made me fax them over personal information just to get the restriction lifted. I did this for almost 2 weeks straight because every time I faxed them over documents there was a problem. They finally lifted the restriction and was able to send me a card so that I can gain access to the funds that were on there. Now my card is blocked once again and I have no idea why and they arent being any help. I have a total of {$2300.00} that I can not gain access to.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18702
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Other transaction problem
Subissue:
Consumer Complaint: XX/XX/2020 I did a transfer from my usbank account to my other account in XXXX XXXX XXXXXXXX. XX/XX/2020 I receive a email from usbank stating that the transfer was unsuccessful and I should see the money 3-5 business days in my account. XX/XX/2020 I have already spoken to representatives of both banks. usbank argue that XXXX XXXX XXXX rejected the transfer. XXXX XXXX XXXX says that the transaction never happened ( disclaimer : I only talked to XXXX XXXX XXXXXXXX before XX/XX/2020, however I also talk to usbank before and they argued that XXXX XXXX XXXX rejected it ). The last representative of usbank PROMISED THAT A MANAGER WILL CALL ME and that never happened. To put into context : I couldn't pay the rent on time, compromising my relationship with the landlord. Moreover this situation is the most stressful situation I have ever lived and could cost me and my family on health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01915
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I am unable to access the funds in my account and have requested to close my account, however I am told that I have to contact the state agency. Unfortunately I can not contact the state agency due to a lack of available assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-23
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 have received in mail mid XX/XX/2020 a US Bank ReliaCard that I never requested. No accounts with US Bank. I did some research and appears there is a situation on state of Colorado with scam on unemployment cards. Not certain this is part of it but I dont live in that state nor have I filed unemployment as I am retired. I have tried to call phone number listed but dont want to activate the card and it is asking for all my personal information. If a scam I dont want to give it out. Please advise
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2020-12-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A