Date Received: 2020-12-11
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 USbank Reliacard in the mail and I did not request it. I am not eligible for unemployment benefits and did not apply for any. I tried to call USbank and can not get through to a person to talk to. In my attempts to get to a live individual, the company wanted too much personal information that I was not comfortable providing. I am concerned that someone has obtained my social security number and applied for these services in my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I received a credit card in the mail today that I did not apply for. It has someone else 's name on the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80304
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: US BANK RELIACARD HAS PLACED A HOLD MY GOVERNMENT ISSUED DEBIT CARD ( PUA BENEFITS. ) DUE TO A ADDRESS CHANGE. MY CLAIM WAS PROCESSED IN XXXX AND I HAVE BEEN TRYING TO VERIFY MY CORRECT ADDRESS TO HAVE A REPLACEMENT CARD ISSUED. I HAVE FAXED ALL THE REQUIRED DOCUMENTS OVER 5 TIMES AND EVEN VERIFIED MY IDENTITY ON THEIR WEBSITE. BUT CONSTANTLY TOLD MY DOCUMENTS ARE DENIED. IT HAS BEEN 6 MONTHS AND I HAVE NO ACCESS TO MY BENEFITS. I HAVE CALLED, EMAILED FOR OVER 4 MONTHS AND RECEIVE NO ASSISTANCE JUST THE RUN AROUND. I AM UNEMPLOYED DUE TO THE PANDEMIC AND HAVE NO INCOME AND REALLY NEED MY BENEFITS THAT THEY ARE REFUSING TO RELEASE. THEY KEEP ASKING FOR MORE DOCUMENTATION THEY EVEN REQUESTED MY SS CARD AND TAX DOCUMENTS FOR AN ADDRESS CHANGE WHEN I HAVE PROVIDED MY STATE ISSUED IDENTIFICATION CARD ON SEVERAL DIFFERENT OCCASIONS. PLEASE HELP I HAVE EXHAUSTED ALL MY OPTIONS WITH NO RESOLVE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
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 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 Visa card in the mail today. It has my name on it and an account number. I did not solicit this card from US bank! This is a fraudulent account. It was sent in the US mail to me. I have not requested this card and I have no need for a card. I am very concerned about the information that is on this card, there is no reason for me to have asked for a card from this company or from the government. I want this stopped!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80528
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-11
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I am a retired XXXX XXXX and I recently lost my husband to XXXX. As a result, I contacted our mortgage holder, US Bank to retitle and refinance my home. The outstanding loan balance is {$320000.00} and the new mortgage payment is expected to be approximately {$1900.00} a month for a 20-year mortgage. I am exempt from property taxes because my husband XXXX from a XXXX XXXX XXXX. I have regular monthly pension and veterans administration survivor benefits totaling approximately {$4300.00} a month, in addition to part-time income as a result of occasional work with the school system. I also have savings of approximately 6.6 times the mortgage balance. I completed the mortgage application on XX/XX/XXXX, and proceeded to work with XXXX XXXX and XXXX XXXX to pursue the application. US Bank ultimately rejected my application and kept my {$390.00} application fee. Additionally, all title work on the home was lost. During the process, I was asked for the same information over and over again. The process was opaque, and no one seemed to know whether my application would be approved or not. I was 'pre-approved ' and then 'almost final approved ' and then told my application was going to be cancelled. I found this to be extremely stressful. The first US Bank employee I contacted was rude, bordering on mean, and she either intentionally or accidentally disconnected our call. XXXX and XXXX were both polite, but when I expressed my frustration to them via email ( attached ), they were completely unresponsive and never even acknowledged my email, or my concerns. I often found myself nearing tears because of the experience. I was amazed by how poorly I was treated, and I can't imagine US Bank submitting other widows, like me, to the same abuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20155
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I received a notice on XX/XX/XXXX that I had won a sweepstakes along with a check for {$12000.00}. The notice included the contact number of a claims agent ( XXXX ) and instructions to call. I called the agent ( XXXX XXXX ) who told me to deposit the check on Monday and call him for further instructions. I checked on the issuer of the check which was a legitimate insurance company. I deposited the check on Monday and it cleared the bank in four hours. I then called XXXX XXXX, who told me to purchase {$7800.00} in money orders and overnight them via XXXX to XXXX XXXX, XXXX XXXX XXXX, XXXX IN XXXX ; he would call me upon receipt of funds. On XX/XX/XXXX I received no call and became suspicious, so I contacted the bank. They informed me that the check had cleared, but that I should " keep an eye '' on my account if I had any concerns. That evening I checked my account and discovered the check had been returned. This morning I called the bank, which informed me that the reason for the return was " return to maker ''. This of course means that I have lost {$7800.00} in my own personal funds. I am upset that the bank did not advise a hold on the check or provide some other verification as to the legitimacy of this check. This lapse in vigilance and security was just enough to provide a window for the scammers to bilk me out of {$7800.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: On XX/XX/XXXX I attempted to use the card which is managed by a government 3rd party organization called XXXX XXXX to get an XXXX and the charge was denied. When I contacted the financial institution to find out why the agent " XXXX '' told me that the purchase went above the limit and I'd have to contact the managing organization to raise the limit. I asked him could I transfer money from it, he said no. I asked him what can I do with the card and he mentioned they have full control. I asked him can I cancel the item. He repeated the question to me " Can you cancel it? '' and I said " did I studder? ". There was a long silence and after about 10 seconds I said ''just transfer me to your supervisor ''. At the same time I spoke, he spoke, saying " I've cancelled your card and now I'm transferring you ''. He immediately transferred me and the hold music started playing. When the supervisor " XXXX '' got on the phone I told her what happened and she said there was nothing she could do. Of course naturally after hearing this lack of empathy from her I lost my temper and I started yelling, and rightfully so. I never said to cancel the card, and did I studder means exactly that. It meant I didn't say anything else other than what was said and it was a simple question -- -- ->>>>>> " Can I cancel the card? ". I was simply finding out what I could do with the card. I asked question after question after question. This is not a misunderstanding. He did it out of anger and retaliation. Also when I hung up on 'XXXX ' I called back and escalated it to the next chain in command which was 'XXXX ' and XXXX confirmed it's possible it was cancelled out of anger. I requested for a call back to find out what happened after they conducted the investigation for transparency. Nobody called. I've provided proof from my phone logs that I did call them and that the event did take place over my phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 283XX
Submitted Via: Web
Date Sent: 2021-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
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: Payment was made using a bank account that had been closed due to identity fraud, I remedied the payment error but it was not within 30 days of the due date because I was sick with XX/XX/XXXX. US Bank is not willing to amend the delinquency report. They stated that they have consumer protections in place if you want a deferment but I did not need a deferment since I was sick and unable to amend the payment error within the 30 days.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90601
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received a ReliCard from U.S. Bank in XXXX, CO regarding unemployment benefits from the state of Colorado. I never applied for unemployment/remain employed so think it is a case of identify fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-10
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Spoke with XXXX about my US Bank credit card not being reported correctly. They merge a old card with a new card. So it's states current but the status states the account is closed. Told me to call US Bank credit car company and they re-reported the information and XXXX never made the change to my report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92316
Submitted Via: Web
Date Sent: 2020-12-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A