Date Received: 2020-12-06
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: on XX/XX/2020 - I received a US Bank Reliacard for unemployment benefits in the mail. I still work and have never filed for unemployment benefits. I've reported this to XXXX and to XXXX. I tried calling US Bank to no avail. I've also reported this to the Colorado Dept. of Labor and Employment, Unemployment Insurance division.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 805XX
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: us bank reliacard came in the mail in my name. Impossible to reach fraud services or report to us bank because the card needs a pin to get through the automated system
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2020-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I had replied to an offer I received through my XXXX Co-op membership for an XXXX XXXX XXXX XXXX offering 0 % balance transfers. I applied and recieved approval for the card and the account on XX/XX/XXXX by email. I also received a phone call about authorization for balance transfers on XXXX XXXX, and I agreed to the transfers I had requested. There was no mention of an increase in the balance transfer rate during that call. When the first transfer showed up on the US bank statement, it showed an 11.99 % interest rate. This was not mentioned in the authorization phone call, or by email, or in any other written communication. I called today XXXX XXXX XXXX ) and was told I had not qualified for the 0 % interest balance transfer. Fortunately, since the process was so slow, I was able to cancel the second of the two transfers I had requested. I am still charged the transfer fee of {$100.00} plus {$3.00} of interest for the first transfer. I spoke with a fraud resolution specialist named XXXX, who did not acknowledge fraud, and agreed to cancel the remianing transfer, but did not offer a repayment of the balance transfer fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-05
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: US BANK did an unauthorized hard credit pull on XX/XX/2020, which was made without my consent. While I have a new car loan with US BANK, the only time I agreed to a credit pull was during the application process on XX/XX/2020. Again, the second pull on XX/XX/2020 was not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 079XX
Submitted Via: Web
Date Sent: 2020-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Im a little confused about how the late payments is reporting on my credit report. Basically, I am requesting this investigation under the authorization of the Fair Credit Reporting Act 623. ( a ) ( 8 ) ability of the consumer to dispute information directly with the furnisher. My basis for this dispute is that this account was always paid in a timely manner, during the months in question, which you have reported as being late., Listen, basically I was shocked when I reviewed my credit report today and found late payment 2 times this year 2020 for 30 days late. The bank was closed that only drive-thru transactions for cashing check and withdrawals were accepted. I wasn't sure that during these tragedic time your organization was marking people late. I finally setup only account where it showed that the money were sent to ELAN financial services and it's impossible for me to be late. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I check my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I am XXXX years of age and retired I chose to sell my home in XXXX Pa and move to the XXXX area, specifically XXXX Pa The condo in the complex that I was interested in purchasing only permitted a select few underwriters to sell mortgages. One was US Bank After weeks of deep dive questions, I was approved for a mortgage loan at 2.75 % for 30 years. I sold my house in XXXX and loaded the truck with all my possessions on XX/XX/XXXX I arrive in XXXX Pa on XX/XX/XXXX scheduled to settle on XX/XX/XXXX at XXXX XXXX At XXXX on XX/XX/XXXX I received a call from US Bank that the mortgage was not approved because they had not received information form the condominium association in a timely manner. My truck with all my belongings was parked in front of the condo to be, I was homeless My realtor prevailed upon the seller to let me move in and rent and the rep from US Bank said the she would cover the cost of the first month 's rent, which remains in question I have just today received notice from XXXX XXXX that they will underwrite the mortgage but at a lesser time of 15 years and a higher rate of 3.25 % then an ARM kicks in This will cost me an extra {$200.00} per month over the original note This was clearly bait and switch banking and it should not be allowed to occur
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 160XX
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: Today approximately XXXX I had a missed call from an unknown number. 3 min later a family member called to notify me of an important documents needing to be served and to call XXXX with reference number XXXX. At XXXX I was having lunch with my children, whom overheard the entire conversation. I was on the phone ( for 37 min. ) with a person who called themselves XXXX XXXX from XXXX XXXX. He had quite a bit of information on me, claimed I was " part of a lawsuit '' with US BANK for an unpaid amount of {$3.00}, XXXX and they were going forward with it. He said he could contact someone on my behalf to see if they will accept a payment, since I hadn't been served yet. He had me on hold a few times with back ground music. He claimed they accepted my settlement offer and that I had two options. I could either make 3 monthly payments of {$1.00}, XXXX, or pay one settled lump some of {$970.00} today. I felt panicked, scared and under pressure. I felt i had no choice to pay the XXXX out of fear. He got my debit card information and had me sign some documents via email through an online signature website. It wasnt until I got home to over look the confirmation emails and realized the full amount of the " amount owed '' was different than what he told me. I have two emails from him, both different accounts with two different names used. Ive gathered some information on him and previous scams that describe this exact situation with the same people via XXXX They claim to be XXXX XXXX, with no address or phone number. Only a fax number of XXXX XXXX XXXX XXXX. The " personal '' email address he claimed was his was XXXX. The email he used to collect my signatures was from XXXX XXXX at XXXX. They used XXXX. The other phone number of XXXX XXXX is XXXX. According to other reports, another business number is XXXX XXXX. Address : XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX other names used were XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 548XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I JUST WANTED TO SUMBIT ANOTHER COMPLAIN TO ADD XXXX DOCUMENT THEY EMAILED ME LATER ON AFTER THE INCIDENT. On XX/XX/XXXX Wednesday, an unauthorized payment for {$22.00} was posted to my account from an unknown bill collector described as XXXX Mktp Us XXXX, linked to a fake XXXX page. After conducting some online banking on my account with USBank today, I noticed the transaction. Afterwards, I immediately called a local bank branch located in XXXX XXXX, MN and spoke with a bank teller named XXXX, on the first call, and he told me to call XXXX to verify the transaction before he cancel my debit card, so I did. On the second attempt, I called the XXXX number fraud department to report the incident as well and they said that they will cancel my debit card, and mail me out another one within ten days, and send me a letter to sign to verify the fraudulent transaction on the account. The fraud department then mentioned to me that I should get in touch with a branch in here in XXXX, XXXX in order to receive a temporary debit card, and that he will check to see if any drive thru branches are open in my area, because every branch in XXXX, XXXX is closed to the public both temporary and permanently. ATMS are even being removed from many local USBank local retailer branches throughout XXXX, XXXX, and there is almost no way for me to get to my money and my account in order to resolve issues like this, because XXXX, XXXX is making that impossible as much as possible, and the XXXX number isn't very happy about it. I then told the fraud department told that I had no car to drive up to the window, and I am looking to be rejected services at a drive up window, so they said that they will cancel my debit card and send me another one. So once the call was discontinued with the fraud department, I then called the number back to verify if my debit card was canceled and it wasn't. My pin number to my debit card was changed without my authorization or consent as well, and when I mentioned it to the bank, I didn't get an accurate response. I even called XXXX about the transaction just to find out that they could not even trace the transaction and that the transaction number did not even match their transaction numbers. In conclusion, I've had other problems with USBank giving me ripped up XXXX dollar bills from its ATM machine in isolated ATM areas at back in XXXX of this year, and they had then denied it and refused to replace my XXXX dollar with a accurate one, because I could not use the XXXX dollar bill. The machine gives out all twenties in big deposits, I knew then something was about to be ripped off, after the machine gave me XXXX XXXX dollar bills from its ATM. I was able to get use the bill, but it took a very long time to do so, and lots of floating around. I've been a customer with USBank since XXXX, for eight years, and this the thanks I get. I was even denied a credit card after being a loyal customer for over a half a decade on several occasions, even after establishing credit through them. The value of USBank is going down, and I am reaching out for assistance with the bank. I am starting to have really big problems out of USBank with racial profiling, and I am reaching out for help. I want be with the bank too much longer. It can get pretty complicated moving my deposits around from bank to bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank responded to my initial complaint stating that the account was charged off as of XX/XX/XXXX. Yet, it is reporting negative credit history on my credit report as if the account was just charged off this year. The credit bureau is reporting XXXX, yes, XXXX, charge offs. A charge off is a one-time occurrence unless a payment has been made to reset the time. By US Banks own account, no activity has occurred on the account in at least 4 years. And even then, the activity, according to US Bank, was payment activity, not use. The way US Bank is reporting keeps negative information on a credit file in perpetuity. That is not how the law works. If this was the case, the 7-year statute of limitations on negative credit history would be rendered meaningless. US Bank is actively reporting negative history on a credit card that its own records show was opened in XX/XX/XXXX and has no purchase history on it for nearly 7 years.
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: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-04
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Well I receive pa unemployment And my card was locked by us bank And I am unable to use my card. One of there agents used my old address on my form And when I used my new address that I currently live at they made it a fraud claim when there is no fraud present to lock my card I receive a deposit on there and I am in great need of my money and they wont release my funds. Ive submitted several forms of documents proving I am who I say I am and Ive waited more than the 10-14 business days the copy have asked to follow after every submission of my documents Ive sent them over 10 times yet Ive been waiting 3 months for my answers and card to be unlocked and I have yet to get my money I have a family and the funds that are loaded every week are being held for no reason
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15221
Submitted Via: Web
Date Sent: 2020-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A