Date Received: 2020-11-29
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: US Bank sent me a credit card I did not apply for. I received it in the mail this morning. XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60487
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
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 US Bank reliacard in the mail today. I am not unemployed and I did not request the card. Im unable to get a hold of anyone to cancel it and to figure out why it was opened in my name in the first place. I appreciate your help! Im concerned that someone opened an account in my name fraudulently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 49316
Submitted Via: Web
Date Sent: 2020-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-28
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: The problem is that US Bank, subsidiary of US Bancorp has unlawfully kept negative reporting on my credit report pass the time limit specified in the Fair Credit Reporting Act ( FCRA ). Adding insult to injury, US Bank has recorded a late payment in 2020 although there has been no activity on that account in 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: 2020-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, XXXX XXXX XXXX add a hard inquiries on my credit reports per XXXX and XXXX. On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX - CARD SERVICE add a hard inquiries on my credit reports per XXXX and XXXX. The report does not include information about the creditor. 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: FL
Zip: 32444
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-27
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We have received a message from Fidelity credit card that there were activities on our credit card that appeared to be fraudulent. The case # was indicated as XXXX. We were asked to call tel. no. XXXX to confirm or deny those transactions. We called the number but cold not understand the identity of the charging companies. We attempted to go on line to our account and check for those transactions. We could not get to the account receiving a message that there is a " technical difficulty '' to access our account and gave the number of technical support. We called technical support but they refused to unblock the account. So, we could not neither confirm nor deny the transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have a Reliacard though US Bank that my unemployment funds from COVID-19 while I have been out of work due to the virus. Back in XXXX I tried to use my card and it would not authorize. I went on my bank account online to see why this was happening and I found ~61 unauthorized transactions on my debit card that occurred in states that I have never been to. I live in Colorado and receive my benefits here. These fraudulent transactions occurred mostly in Ohio, and Illinois. The majority of the unauthorized transactions occurred at either XXXX, XXXX, or XXXX XXXX and almost every one of them is for the amount of {$20.00}. Overall I had around {$1300.00} stolen off my card. Many of them happened within minutes of each or at the same exact time at different stores. Some of these stores hours apart but processed at the same time. The dates these transactions occurred with XX/XX/2020 through XX/XX/2020. As soon as I noticed this fraudulent activity on my card I called the bank and notified them on XX/XX/XXXX, did not use my card after that, and requested a new card in the mail. I was told there would be an investigation and it would be resolved within 90 days. Low and behold it took the approximately 85 days to send me a letter in the mail saying that they found all the transactions to be legitimate. I was blown away by this as if you look though the statement even a child would realize that there was clearly suspicious fraud activity on my card happening out of my state. I never actually lost the card so I am unsure how my information was stolen but it was. I called US bank again upon receiving their letter and told them that I was not going to accept this resolution and that I demand getting my money back as this is my unemployment only that I am living off of during these tough COVID times. A supervisor said she would send in the dispute but does not know how long it will take to get through the system again. It has been 2 weeks now since I called to dispute their incorrect resolution. I am still missing all that money and have not heard a word through phone, mail, or email from the bank. That is why I am reaching out to you to help me get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. We have a 3rd floor condo in a mixed use retail, professional office and residential building in XXXX,XX/XX/XXXX We were notified by US Bank in XXXX this year that flood insurance would be required. We have a first lien HELOC with US Bank on this condo. It was opened about 10 years ago. 2. We informed US Bank that we would like to close the account in late XXXX rather than secure a flood insurance policy for over {$1000.00}. 3. US Bank 's insurance division then put " forced place '' flood insurance on our condo, and billed us for the annual premium of {$1000.00} in XX/XX/XXXX. We spoke to various US Bank divisions and representatives in XXXX and XXXX explaining that we had closed the account and should not be held liable for the flood insurance premium. On one occasion speaking with the insurance division rep, he said that if the account was closed, we indeed wlll not be liable for the premium, but as his system was down, he could not verify tha the HELOC account system was reflecting the account as closed. He said he would notify the HELOC division that we indeed had requested to close the account, and he said he would update our account notes once the system came back up. 5. We continue to be told by the US Bank HELOC unit that we still owe the {$1000.00} premium. Plus they have not given us an accurate pay-off amount and continue to bill us for nominal accrued interest. Our XX/XX/XXXX statement shows we had an outstanding balance of {$4.00} in XXXX that we remitted {$4.00} XXXX ( check cashed ) and it says we still owe {$4.00}. 6. We are simply seeking to close our first lien HELOC. US Bank has not been able to do that and they are continuing to bill us even though we paid off the {$4.00} outstanding a, and they continue to tell us we owe the flood insurance premium. We are working professionals who own multiple homes and this has taken an inordinate amount of time to simply close our account. We ask you help in closing the account and resolving the annual flood premium liability that was forced on us. We offered to pay a pro-rated amount of the insurance premium to expedite the closure but US Bank could not calculate that and bounced us from one unit to another over a period of two hours today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94526
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I have called the customer service of Elan Financial many times and they Represented/Told me what amount to pay in FULL so that I do not pay any interest. I HAVE {$0.00} PAST DUE. I EXACTLY PAID WHAT CUSTOMER SERVICE REPRESENTED TO ME AS TO WHAT I NEEDED TO PAY " IN FULL '' BEFORE THE DUE DATE " SO THAT I DO NOT PAY INTEREST ''. YET ELAN FINANCIAL CHARGED ME {$81.00} INTEREST IN MY XXXX STATEMENT, WITHOUT ANY REASON AND AGAINST THEIR CUSTOMER SERVICE 'S REPRESENTATIONS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-26
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: My Reliacard account card ID XXXX my Name is XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX Address XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX My dispute resolution for fraudulent transactions and identity theft of my Louisiana state unemployment benefits deposited into my us bank reliacard account was stolen. The dispute resolution of fraudulent transactions case was resolved and considered closed and the funds were put back into my account after following and completing the entire dispute resolution process. US bank reliacard account customer service then locked my account from assessing my funds immediately after depositing the funds back into my account. They initiated an account verification process to verify my identity. I then gather all the required documents to submit to them that were required to unlock my account and verify my identity. I was given 3 options of verifying my identity by uploading the documents to there website which I couldnt do they restricted assess of my online account so I couldnt login in order to upload the documents. 2. Was by fax 3. Was by Mail. I faxed the required documents to cardholder services ID CHECK/ VERIFICATION. I faxed my State ID, Social security card, and my XXXX W2. They received my documents and verified the documents I faxed but still havent taken the restrictions off my account. They have now taken the money out of my account from my dispute resolution case which was considered closed and reconciled after I faxed the required documents needed to not verifying my identity even though I have.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70003
Submitted Via: Web
Date Sent: 2020-11-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Problem with the payoff process at the end of the loan
Subissue:
Consumer Complaint: I am filing this complaint against US Bank XXXX XXXX on behalf of XXXX and XXXX XXXX for the failure of US Bank XXXX XXXX to deliver the legal title to the XXXX XXXX XXXX that was purchased by XXXX and XXXX XXXX on XX/XX/XXXX. Under applicable law, US Bank XXXX XXXX is required to provide title within 10 business days of sale of the vehicle. XXXX and XXXX XXXX would not have acted to purchase the XXXX XXXX XXXX in XXXX but for the fact that they expected to receive title and the associated benefits of ownership ( which includes assignability and transferability ) in the month of XXXX. XXXX and XXXX XXXX do not have title, do not have the legal benefits of ownership of the vehicle and would not have purchased the vehicle without the receipt of title and the associated benefits within the legally required timeframe. US Bank has had ownership and possession of {$41000.00} of XXXX and XXXX XXXX ' money since XX/XX/XXXX without fulfilling its legal obligation to provide title and therefore denying XXXX and XXXX XXXX the right of ownership and the benefits associated therewith. Timeline of events : Purchase : XX/XX/XXXX : XXXX XXXX XXXX " XXXX '' XXXX and XXXX XXXX XXXX " XXXX '' XXXX entered into a 36 month lease of the XXXX XXXX XXXX from XXXX XXXX, XXXX Connecticut at an agreed upon rate of {$490.00} ; this rate was later amended to {$520.00} to account for the change in sales tax once XXXX and XXXX moved their primary residence to Massachusetts. XX/XX/XXXX : Connecticut Title was issued to US Bank XXXX XXXX ( " US Bank '' ) for truck. Initiation of Sale : XX/XX/XXXX : Potential buyer ( " Buyer '' ) of truck contacted XXXX, set up time to view truck for potential sale. XX/XX/XXXX : Buyer viewed truck and gave his intent to purchase. XX/XX/XXXX : XXXX and Buyer agreed on sales price of {$37000.00} ; Buyer gave {$1000.00} deposit to XXXX. XXXX called US Bank and declared his intent to purchase the vehicle from the leasing company. US Bank indicated that they would send payoff documents in the mail, and that those documents would arrive within 2-3 business days. XX/XX/XXXX : Called US Bank. US Bank informed XXXX that documents had been sent and they should be received in next several days. XX/XX/XXXX : No documents were received. XXXX called US Bank and they confirmed that they could fax payoff information. Payoff form was sent via fax ; XXXX filled out payoff information, including check for {$41000.00} and overnighted documents to US Bank. XX/XX/XXXX : Confirmed via XXXX that documents were delivered to US Bank. XX/XX/XXXX : Check was cashed by US Bank. Upon funds clearing, XXXX called to confirm that a purchase receipt was sent in the mail, and that a new title would be processed within 8-10 days XXXX as required by law ) and mailed to XXXX and XXXX. XX/XX/XXXX - XX/XX/XXXX : Called US Bank approximately 6 times to check on status of title ; was not able to confirm that title had been processed or the status of title transfer to XXXX and XXXX. XX/XX/XXXX, XX/XX/XXXX : XXXX spoke with US Bank who stated both on XX/XX/XXXX and XX/XX/XXXX that US Bank was in possession of amended title in XXXX and XXXX name, and that it would be mailed via USPS to XXXX and XXXX address XX/XX/XXXX. XXXX spoke to multiple employees who all provided that same false information. XX/XX/XXXX : XXXX spoke with US Bank who asserted via phone that the title in XXXX and XXXX name had in fact not been mailed on XX/XX/XXXX, and could not confirm whether it was still in the possession of US Bank. Representative at US Bank noted the matter would be expedited and that XXXX could expect the title by XX/XX/XXXX. XX/XX/XXXX : XXXX filed a consumer complaint ( attached ) with the Massachusetts Attorney Generals Office. XX/XX/XXXX : XXXX and XXXX sent a demand letter ( attached ) to US Bank stating that XXXX and XXXX would seek legal action if the title is not mailed within 3 business days from receipt of letter. XX/XX/XXXX : Presumably in response to the demand letter, a representative of US Bank called XXXX and XXXX 'XXXX insurer XXXX XXXX, Agent, XXXX XXXX, and stated that title had been mailed in XXXX. XXXX and XXXX spoke, and XXXX confirmed the title mailed in XXXX was a title in US Bank 's own name in relation to a separate administrative matter and was not the title at issue. XX/XX/XXXX : XXXX spoke with US Bank who asserted that the title was being processed, however US Bank could not give a timeline on delivery of title. XX/XX/XXXX : XXXX scheduled appointment with Massachusetts XXXX in XXXX XXXX, MA to attempt to title and register vehicle in XXXX name using the Bill of Sale and prior registration. XXXX was told that it is not possible to register the vehicle in Massachusetts unless US Bank XXXX XXXX signs existing paper title to XXXX or provides an amended Connecticut title showing XXXX as owner. XXXX was not able to register and title vehicle in Massachusetts. This appointment took approximately 6 hours of XXXX time. XX/XX/XXXX : XXXX spoke with US Bank who asserted that the title was lost during the replacement process, and that a request for a replacement amended title would be placed through the Connecticut XXXX. US Bank estimates that the timeline for delivery of a replacement title is approximately 6-8 weeks. In a separate conversation with the Connecticut DMV, XXXX was informed that CT maintains the right to take up to 90 days to process such requests. XX/XX/XXXX : XXXX independently contacted the Connecticut XXXX, who confirmed that the duplicate title requested on XX/XX/XXXX had been processed and sent back to US Bank on XX/XX/XXXX. XX/XX/XXXX : XXXX spoke with US Bank, who confirmed receipt, and stated that the title was in the process of being 'perfected. ' The individual XXXX spoke with stated that the title would be sent out in the next 3-5 business days. XX/XX/XXXX : XXXX spoke with US Bank, who were not able to confirm whether the title had been received from the Connecticut XXXX, or processed, or sent to XXXX. US Bank stated that XXXX should call back on XX/XX/XXXX. In addition to the above, XXXX and XXXX have released the Buyer of the vehicle from the conditional agreement of sale with the on XX/XX/XXXX, as they have not been able to obtain legal ownership documentation for the vehicle. XXXX and XXXX have maintained insurance on the vehicle during this time at a rate of approximately {$100.00} per month, and will be subject to annualized property tax on the vehicle for the period aforementioned. Our desired resolution of this matter is the refund of the {$41000.00} paid to US Bank, at which time we will relinquish possession of the vehicle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02115
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A