Date Received: 2020-12-09
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 tried to report identity theft to the following bank that issued an unsolicited card sent to me in relation to a false claim of unemployment ( Texas Workforce Commision ). They told me to report identity theft. I sent the report to the issuing bank at customer service but they said I had use another address that they provided but when I did so the address was rejected as follows : When I tried to use the email address you sent me all I get is this : Error The address " XXXX XXXX XXXX '' in the " To '' field was not recognized. Please make sure that all addresses are properly formed. Here their note to me : XXXX, This email address is for U.S. Bank Freight Payment. All suspicious activity must be reported directly to XXXX. Thank you. U.S. Bank Freight Customer Support XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, IL XXXX3 www.usbpayment.com Ref : XXXX U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Below is what I sent them : to XXXX XXXX said to report this to you : RE : Fraud-identity theft and unsolicited card I was told by the State of Texas to report identity theft related to card XXXX XXXX XXXX XXXX issued by your bank. I did not request nor do I want the card the State of Texas sent me issued via your bank. I have not nor intend to activate this card. I have reported this to the police and their report number is XXXX ( officer : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX Message me and I will return calls XXXX preferred method of contact XXXX XXXX, XXXX XXXX XXXX XXXX, TX XXXX -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Texas Workforce said someone had filed claims in my name after working for a plumbing company called XXXX 's XXXX back in XXXX or XXXX of XXXX. I am a retired XXXX born in XXXX. The address the card was sent to was incomplete but it is a small town and the post-mistress passed on to me anyway else I would never had known about it. I filed a police report yesterday, XXXX. You have their case number they provide me and officer 's name above. I was provide three numbers by Texas Work force to report fraud to but the first rejects all calls for the last two days saying due to high call volume call back later ( XXXX ). The second number they provided ( XXXX ) requires a pin number to get through to anyone. The third number hung up on me several time over two days after choosing the correct option to report this fraud. I now have left two long messages at an option that did let me get through voice mail but I have no idea if it ever got to the correct party. My first recording was yesterday and at XXXX XXXX nothing heard back. I called Visa and they refused to take any kind of report and just told me to contact the issuing bank. I did make contact by phone but he suggested I do so by email and that is what I tried to do after searching for the email address he said I would find on the main site. I sent another report to an address he also suggested but no confirmation email was received back which for something involving the law and of this importance I expected. So far only the police have responded in a way I expected and understand. They have copies of the fraudulently solicited card and cover letter with the Texas Workforce Commission return address. The card number can be found in the above notice I sent the bank. I want an email addresses to report identity theft to the Texas Workforce Commision, the issuing bank ( usbankreliacard.com XXXX ) and Visa. I find the inability to document and report fraud in writing, the bad phone numbers and non-working email address to be quite discomforting. I need proof from the agencies I have reported fraud to that I have reported the fraud and acknowledgement that I provided all detail required by them. Thank you for your time and consideration, XXXX XXXX XXXX. cell : XXXX SS : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX TX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Someone fraudulently applied for unemployment benefits in my name and now I have received a pin number and debit card from US Bank. I Have tried to notify Unemployment by phone, email, chat and mail. On line the first appointment is XX/XX/2020 which is 19 days away and that is only to chat on line. I am filling out forms for UE Fraud with XXXX XXXX XXXX and through my employer. I have never filed for UE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80027
Submitted Via: Web
Date Sent: 2020-12-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-09
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I reported on XX/XX/2030 XXXX fraud TO US BANK for {$150.00} charged XX/XX/2020 LESS THAN 60 DAYS-US BANK LETTER IS LYING THAT IT WAS REPORTED OVER 60 DAYS. Close account per XXXX XXXX manager request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I have 2 accounts with U.S. Bank. A business and a personal account. I have had the business account for over 2 years now without any issue. A few days ago ( XX/XX/2020 ) I logged on to check the account and noticed it was missing completely from the app. I called and found out that the Branch manager at a specific bank closed the account without listing any reason. I had over XXXX in the account so it wasn't due to overdraft. I also completed a transfer weeks before that so it was being used regularly. I called the branch manager XXXX XXXX at the XXXX XXXX in XXXX XXXX California. She told me she closed the account personally, but did not give me a reason. She stated that if I transferred money to my personal from business and vice versa then that may be the reason but didnt confirm. She kept saying sorry but no reason was given for my business account being closed. I never received prior notice or even a phone call. I am a XXXX and XXXX XXXX, no fraud or other issues have ever been done. I still have my personal account and a credit card with them, those accounts were untouched. I am going to be cancelling these accounts and taking my business to a XXXX XXXX!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95118
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: on XX/XX/2020 i contested a charge on my bank debit visa card and the bank put the money back into my account claiming provisional ; however after the 60 day period on XX/XX/2020 they reversed it and are forcing me to give it back because they favor the merchants who give fraudulent service. THE U.S.BANK REVERSED A CREDIT MORE THAN 60 DAYS AFTER THE INCIDENT COMPLAINT ; AFTER THE HOTEL DENIED WHAT HAPPENED. THE HOTEL DEFRAUDED ME BY PUTTING ME IN BROKEN ROOMS AND THEN LET THE MAID OPEN THE DOOR BEFORE CHECKOUT TIME AND WITHOUT MY PERMISSION TO OPEN THE DOOR CAUSING HER TO COMMIT TRESPASS. THE BANK HAS FORCED MY ACCOUNT INTO OVERDRAFT AND IS BILLING ME FOR DIFFERENT AMOUNTS FROM {$67.00} NOW {$25.00} WITHOUT ME PAYING ANYTHING. THEY SUDDENLY FOUND SOME MONEY IN MY ACCOUNT THAT THEY OVERCHARGED ME FOR DIFFERENT TRANSACTIONS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85120
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have made several attempts recently to have the balance updated to {$0.00} on a closed account with this company. The account was sold to a collection agency and yet this company is still reporting a balance owed. According to fair credit reporting practices, an account sold or transferred to a collection agency should not continue to report a balance owed. The fact that they are still reporting that I owe a balance is a direct violation of my rights under the FCRA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-12-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-07
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 U.S. Bank National Association ( US BANK ) Reliacard in the mail on Friday XX/XX/2020 with a credit card inside that was ready for activation. I opened up the envelop on XX/XX/2020. I never ordered or signed up for such a card. So, I called and spoke to a representative from the customer support line provided in the information and they said that the State of Colorado ordered the card for me to receive unemployment benefits. I have never lived nor worked in Colorado, so this is a bogus claim, or someone is using my identity to claim benefits that are not appropriate. US Bank 's " customer '' support line was useless and told me to take it up with the State of Colorado, but would not provide contact information, etc. so I can do so. So they will issue a credit card in my name, using my SSN, address, and phone number, but won't help resolve the issue. That is ridiculous! They did however cancel the card, but I have no idea how this might affect my credit rating, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48390
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I have made a complaint concerning this already, but US Bank did not do its due diligence in investigating the matter. Specifically, no one over there seems to be able to look at the BILL PAYER side of things. If someone can actually access that portion of their system, they will immediately see that what I'm saying is true. To reiterate and expand upon my complaint : On XX/XX/2020, I tried to send {$250.00} to a specific credit card I have with XXXX XXXX XXXX. When I clicked to complete the transaction, I got a message saying it failed. I immediately tried to do it again. It failed again. That was in the very early hours of the morning ( likely between XXXX XXXX and XXXX XXXX EST ). I planned on trying again later, but before I got the chance, {$250.00} came out of my account at XXXX XXXX EST. I didn't authorize that. Moreover, the transaction did NOT show up on the bill payer side. I waited a number of days to see if the money would make its way to the correct destination, but it never did. I contacted XXXX XXXX XXXX about this. They sent a letter confirming that the money is NOT in their system. This next part is important because it confirms this is a US Bank issue. Exactly one week later on XX/XX/2020, the BILL PAYER side of the system tried to take out {$250.00} and send it to the same credit card. Once again, the attempt failed. Nothing changed on the " Activity '' side of the US Bank card. The letter I previously received from US Bank says their systems indicate the amount was debited from my account, but that does NOT address the issue. I can see that it was debited. But if this transaction was done properly, then I should ALSO have a record of {$250.00} coming out on the BILL PAYER side. I don't see that. In contrast, I can match up literally every other BILL PAYER transaction with every debit under the " Activity '' side. This is the sole exception. Here are the reference numbers listed on the BILL PAYER side under " Payment History ''. XXXX - This is the FIRST reference number for XX/XX/2020. XXXX - This is the SECOND reference number for XX/XX/2020. XXXX - This is the THIRD reference number overall. It is for XX/XX/2020. I did not attempt this. It is abundantly clear that this is an issue in US Bank 's system. That is the only reason there would be an attempt to take {$250.00} out of my account exactly a week after the initial failures. Furthermore, US Bank should be able to sync up the first two failed attempts. Once they do that, they will see that the time for those doesn't match the time ( XXXX XXXX ) when the money left my account ( and went into some computerized netherworld ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04330
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: I received a debit card by mail XX/XX/2020 with USBank. I never had or have an account with that bank. I spoke with XXXX by calling the phone number with the card that activates it, explained the problem. She advised they would close the account and I should file a police report ( in process ), file a report with the FTC ( done ) and the Colorado Attorney General ( in process ). She provided some info and apparently the account had my correct social security number, correct home address but incorrect cell phone.
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: 2020-12-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-06
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Towards the end of XX/XX/2020 I tried to transfer money from my relia card to my bank account and for some reason the transfer did not go through and I was contacted by text message to verify my identity through a picture document and a selfie which I supplied. I was told my money would be released in about 5 Days it is going on about 6 weeks and numerous phone calls to no avail I really need my money and cant get it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19014
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A