Date Received: 2020-12-14
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received a debit card from the state of Colorado, issued by USBank that I do not want. It is for unemployment benefits that I do not subscribe to. I do not get benefits nor have I applied for benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80503
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
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, 2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX A 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: WA
Zip: 98058
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I was affected by the pandemic earlier this year and my property taxes ( shortage was XXXX ) more than doubled increasing my mortgage payment by $ XXXX, a forbearance plan was offered by US Bank Home Mtg ( my mortgage company ). The forbearance plan included monthly payments from XXXX to XXXX. Again, in XXXX an escrow analysis was run increasing my payments effective XX/XX/XXXX to right around {$2400.00} ( XXXX P & I, XXXX insurance and {$360.00} towards the new tax amount in XXXX and {$290.00} to cover the shortage - spread over 12 months ). When the deferral was sent to me and finalized on XX/XX/XXXX the breakdown was as follows : -4 payments totally {$6600.00} for P & I -Escrow balance iao {$1400.00} -waived fee iao {$560.00} -Total amount deferred to a non-interest bearing account - {$8000.00} The shortage at the time of the deferral was {$3500.00} which I had to option to voluntarily pay or spread over 60 months, increasing my payments once again on top of the already spread shortage of XXXX over 12 months - so now my payment went up from XXXX to XXXX - which makes NO LOGICAL SENSE why my shortage is being spread over 12 months then again over 60 months because of the deferral. The breakdown for the escrow analysis ran in XX/XX/XXXX for the new payment effective XX/XX/XXXX ( totaling XXXX ) was as follows : {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$290.00} - XXXX shortage spread over 12 months ( XXXX / XXXX ) Per the deferral my new payment recalculated a new shortage in the amount of {$3500.00} which included the {$3500.00} from XXXX spread over 60 months ; HOWEVER, instead of replacing the XXXX shortage spread as shown above the 60 month spread for the XXXX was tackled onto the XXXX total monthly payment as broken down below for a new payment due XX/XX/XXXX iao {$2500.00}. {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$290.00} - XXXX shortage spread over 12 months ( XXXX / XXXX ) {$59.00} - XXXX shortage spread AGAIN now over 60 months ( XXXX - a {$51.00} fee was added to the shortage not sure why divided by XXXX ) My actual payment should be {$2200.00} as broken down below but their system isn't reflecting that and I keep calling and getting different/ conflicting information stating I have to pay {$2500.00} other times {$2400.00} and most recently someone even told my my payment for XXXX was {$1900.00}. I'm afraid if I send in the right amount of {$2200.00} it will be misapplied or go into suspense not advancing my due date. Several representatives have told me not to make a payment until the system is updated but that it could take up to 3 months to update. Actual payment that should be reflected in the system for XX/XX/XXXX after deferral and spread are accurately updated : {$1600.00} - P & I {$140.00} - Insurance {$360.00} - Taxes - in preparation for the increase bill for XXXX {$59.00} - XXXX shortage spread ( {$3500.00} ) over 60 months Total XXXX with shortage as of XX/XX/XXXX should be : {$2200.00} I am so FRUSTRATED and upset I can not get anywhere with this company, most of the agents I've talked to with a small exceptions have no idea how escrow is calculated or the slightest clue on how it works. I just want to pay my mortgage and have it be applied accurately. I get we are in the middle of a pandemic but US BANK should be better equipped at this point with their agents and MSP system. HELP! thanks, XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-14
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: To who 'm it may concern, Hello my name is XXXX XXXX. I was a victim of a scam/phishing scam with my U.S Bank account which severely impacted my funds! I have had near {$4500.00} stolen from me via XXXX payments made through my U.S Banking app which I never authorized. I noticed this issue when I deposited money to my account, went to pay my credit card & my card was denied due to lack of funds! At this point I had a bad feeling so I checked my account and noticed my funds were missing. Ok no problem, I've had unusual charges before with XXXX so I call in to U.S Bank & speak with a very nice lady she helps me make claims & re-assures me my money will be returned to me once they investigate. I call back after 10 days of this claim and ask whats going on with it as this is a lot of money, then im informed my case is closed and I lose? how is this a thing. NOBODY from u.s bank contacted me asking me more of the story, nobody allowed me anywhere to fax/email my police report, A screenshot of the phishing email, or anything else to help me with my dispute I have a gut feeling they simply just denied it for the sake of it. I have not had contact with any of the bankers from this bank for anything with my vase and when the guy stated on the phone my case is closed I asked him to please re-open it and give me a designated FAX # Or email address to fwd the email in which I was phished in and also to submit my police report. The gentlemen on the phone responded to those questions I asked stating the following " sorry sir we don't have anywhere you can send these documents to ''. How is this possible? my money was stolen and they aren't even putting a effort forth to help me. Not really sure what else to do no lawyer wants to handle this and U.S bank is refusing any documentation and re looking into this! Thanks claim # XXXX U.S. Bank fraud department # - XXXX attached is the email in which my info was stolen as I researched online I came to found this was the email that stole my info from scammers pretending to be the bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60107
Submitted Via: Web
Date Sent: 2020-12-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-13
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was notified on XX/XX/XXXX that the US Bank Credit Card account which as been open since XXXX ( XXXX years ) was closed for the following reason " Your account has been inactive for at least 12 months ''. I believe the systematic closing of revolving accounts during the time of COVID-19 is an acknowledgement of the bank 's credit underwriting model risk failures and attempt to force customers to involuntarily undergo re-credit rating using the bank 's new credit models which are more conservative given the current COVID-19 regime. Closing the single longest trade line reduces the average length of credit and other history related variables considered in credit scoring decisions. Adverse impact to credit score is anticipated as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: This complaints goes back to XX/XX/2019 when I disputed a charge of {$1500.00} made by XXXX XXXX XXXX in XXXX XXXX, New Jersey for their incomplete work done on the XXXX XXXX XXXX in my XXXX. My credit card company refused to honor it claiming I needed third party verification even though my car was returned the second time. I have been in touch with their corporate office who claimed their workmanship and repairs are guaranteed for 24 months. In any event they charged back the {$1500.00} which is still in dispute in the court. In the interim this card company has been unconscienable. They not only have ruin my outstanding credit record of over 50 years, they are taking the money that I sent them for my initial purchases which amounted to {$330.00}. Instead of giving me credit for these payment, for the last 12 months they have been charging me late fees of {$39.00}. My account due as of XX/XX/XXXX, went from {$1800.00} to {$2200.00}. When I realized what they were doing, I stopped making payments.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07108
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I just received a ReliaCard in the mail today. I never requested this and I contacted US Bank and asked them to cancel this account. They informed me to filed a complaint and notify the proper authorities. I did not call the number on the card or use the web site provided. I actually found an article from XXXX Colorado that was explaining this fraud issue and the article provided a valid number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I have a US Bank Reliacard for my unemployment benefits. Its been fine up until last week, my card is suddenly blocked. After calling multiple times and being hanged up on, I was able to reach a rep who informed me that the card was blocked and I needed to verify my ID. I went to the provided link XXXX verify.usbank.com/id ) and submitted my info, but I have yet to get my card unlocked. Its been a week, all of my money is on the card. I can't pay rent, I cant get food to eat, I need to solve this already. I deeply regret trusting that I could use the Reliacard for my unemployment. Its been an unmitigated disaster, its so shameful being unable to pay for my items at the store when my card suddenly kept declining. Theres XXXX in my account, thats my money and US Bank has no right to just suddenly cut me off. I need my account unlocked. And as soon as I can, I'm removing the funds and having my unemployment deposited with any other bank account. This is atrocious, I've complained onXX/XX/XXXX, called dozens of times. I've submitted my forms of ID as requested, and everyone keeps placing the blame and tell me they'll contact me. Tell that to my landlord, who needs the rent. I am borrowing money just to eat - I shouldn't have to do this. This is ridiculous, its uncalled for and I need the money which is rightfully mine. US Bank has no right to withold my funds for no reason.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81004
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was receiving my Texas unemployment benefits on the reliacard and I had fraudulent charges made on XXXX and they placed a fraud block on my account. Since that date I have moved my unemployment to a different bank and have had no problems. The reliacard services still hasn't removed the block and I have followed their guidelines to verify my identity just the way they requested and not to mention done this more than 5 times. How is it you van send me text about my account you can mail me paperwork on my account and yet when I call to speak with a customer service person and verify the exact info on my account i get told that I need to send it verification yet again. On XXXX i received a text about deposits made to my account and that I could reset my pin thru the automated system but yet never got transferred to do so and in less that 5 minutes later I call back and they tell me that my account t was never unlocked!!! How can you get a deposit on an inactive account? Thats what your bank keeps telling me is my account is inactive so can you explain why this is going on and who's lying your workers the bank or is it you?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened a checking account from US Bank ( XXXX XXXX XXXX XXXX branch ) on XX/XX/2020. The banker is XXXX XXXX. According to their offer, I should earn {$300.00} bonus when I complete two or more recurring direct deposits that total a minimum of {$2000.00}, plus enroll in e-statements. I made two direct deposits, one is {$1000.00} on XX/XX/XXXX, another one is {$1000.00} on XX/XX/XXXX. Until now, almost half a year, I still didn't receive the bonus. I contacted the staff in that branch for more than 5 times, and every time they said they will investigate it and let me wait. But every time there is no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A