Date Received: 2020-11-13
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/2020 I have received a debit card from U.S. bank reliacard. I believe that my personal information was use by another person to apply for unemployment or unemployment insurance program from the state of Ohio.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: U.S. Bank received a copy of my bankruptcy discharge notice from the United States District Court District of Minnesota on XX/XX/2020 in regards to all of my debt with U.S. Bank has been discharged under Chapter XXXX. U.S. Bank is in violation of The Equal Credit Opportunity Act ( ECOA ) for credit discrimination under federal law because U.S. Bank is discriminating against me by not allowing me to open a U.S. Bank Checking account online or in-person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55343
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I became aware of unauthorized withdrawals from my reliacard account on XXXX XXXX, XXXX. Called reliacard and explained situation and old card was deactivated. I have made numerous attempts to settle this matter and am not receiving " real '' help, just a run-around. I finally received a new card and can not activate it because of " ID verification '' ''. I have sent what is required to verify 4 times so far. Now they want me to do it again, a fifth time. I'm at wits end and need help with this issue as I am just being played with at this point. I am XXXX and need this money to survive
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19013
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: my Us bank reliacard is locked since XX/XX/XXXX I sent out my id verification on fax it's been 3 weeks I got fired from my job because I got tested XXXX for XXXX I missed work from 2 months XXXX and XXXX I need this money for bills and put food on the table
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I have made many calls to USBank thought the years to request an explanation on why my balance Never goes down. On XX/XX/XXXX I called the XXXX to see why? my payment had gone up to {$240.00} when the usual payment was {$100.00}, at this point the recording told me my balance was {$16000.00}, when my statement states {$12000.00}. I spoke to XXXX from Loss Mitigation then she couldn't see my payment history and transferred me to XXXX at XXXX XXXX XXXX ( XXXX ) XXXX. She confirmed that the principal balance was {$16000.00}. I told her this was out of the question since I had been paying {$100.00} per month since I contracted and opened this equity line of credit on XX/XX/XXXX according to their statement. She said she would send it to get a investigation and allegedly took off a bunch of fees. I requested they review my payment and open the investigation. I waited the 7 days and no call no response the US Bank. Well they closed the investigation WITHOUT letting me know and when I called again to find out why they closed the investigation they said because of the fees they had attacked on. I requested the payment history and I only got payments from XX/XX/XXXX. I think they have cheated me with fees and have taken advance that I was laid off work they put a lean on my house which is now removed but they have a hidden agenda. I wonder how many customers have gone though a similar situation with USbank. According to their statement on XX/XX/XXXX I owed a balance of {$12000.00} and ( {$3100.00} ) in Fees. What is this about. I would like an investigation and a Fraud case opened on this fees and on this balance. Also they are hiding payments I have made. Why is it, that they did not, include those payments when I made a request of all my payment history? On their own letter it states in response to my request see transaction history since XX/XX/XXXX to XX/XX/XXXX However no transaction from XX/XX/XXXX are included if you see page ( 1 ) of ( 8 ) the transaction history USbank sent me starts on XX/XX/XXXX. What happened to all the transactions from XX/XX/XXXX to XXXX?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92336
Submitted Via: Web
Date Sent: 2020-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: US Bank has a card called relia card, its for unemployement benefits that is provided by the state to collect benefit payments if you dont have a account for direct deposit. Fraud was made with card, which is not banks fault but no security method in place to avoid it. Called multiple times to advised card not received and was never advised card was activated and used. Only became aware of fraud when 3rd card was mailed as expedited when was previously advised this was not an option and when i called to activate card it had XXXX balance from a benefit deposit of almost XXXX. All activity on account is suspicious as in amounts and transactions. They advised account was blocked due to suspicious activity but someone called and removed block. At this point im not sure what security verification was preformed but if it was basic informatio you would think the person commiting fraud already has it since they activated and used card to start with. At that point as a customer i expect bank to take high measures to protect my money. A dispute has been raised along with police report for identity theft but no resolition or money has been returned. I also requested a copy of statements for the detective and the bank sent a statement with wrong account number listed causing the investigation to slow down. This had been a headache and hardship on my famiky that has had XXXX income since pandemic hit and i counted with this money. I did not benefit in anyway from these funds and feel the bank is responsible for not taking security action to protect my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Sunday XX/XX/2020 at XXXX I went to the atm at US bank on XXXX XXXX XXXX, XXXX , OH 4XXXX.I had never been to that location before. I entered my US bank Atm card and selected deposit, cash and deposited {$1600.00}. It all was accepted. The machine asked me if I wanted to make another deposit. I selected yes, cash & deposited the rest of the cash I had. Which was {$600.00}. The atm machine spit out {$100.00}. But accepted the rest which was {$500.00}. The atm ddnt ask me if I wanted to make another deposit. It asked me if I needed to make another transaction. I selected yes. I entered in my pin number again. Selected deposit, cash then deposited the {$100.00}. It was accepted. I never get receipts for my atm transactions, including this time. I checked my account through my mobile app & noticed {$500.00} wasn't there. I called US bank customer service. The representative told me sometimes the machine needs to work its self out over night, & to wait until the morning & see if the {$500.00} shows up. Monday morning XX/XX/XXXX, the deposit still ddnt show up. I called US bank customer service again, they told me I would have to do a dispute. So I called the branch. The branch manager XXXX was rude. He rushed me off the phone, told me to put in a dispute. Told me not to tell them exactly what happened only tell them I deposited {$500.00} & it isn't accounted for. I asked to schedule an appt to come into the branch to speak to someone. He told me there was no need & wouldn't allow me to schedule an appt. I called US bank customer service back again, opened a dispute that was on the same day Mon XX/XX/XXXX. Explained everything above mentioned including the rude branch manager. The representative explained the bank offers a ten day provisional credit. It may take up to 40 days to resolve the investigation. That it doesn't have to take that long, but could. On XX/XX/XXXX I called to check the status I was told the dispute was closed on XX/XX/XXXX that I hadn't received an explanation because it was just sent out fri XX/XX/XXXX. Come to find out the dispute was typed up incorrectly. Not how I explained it. On XX/XX/XXXX they reopened the dispute, where I was told my ten days for a provisional credit started over. I kept calling through out this time. I was basically told I needed to wait, that there was no one I could speak with & the dispute department doesn't speak to the public. On XX/XX/XXXX I called & asked about the ten day provisional credit. They told me because of the holiday I needed to wait until XX/XX/XXXX. But my dispute was still open & being worked on. On XX/XX/XXXX I called & was told it was closed on the XXXX with no explanation as to why. The representative claimed she sent a message to the dispute dept to find out the results & was supposed to call me back, she never did. Then a manager was supposed to call me back they never did. I received two letters from US bank one dated XX/XX/XXXX that I ddnt receive until XX/XX/XXXX. In the letter it stated I made the deposit XX/XX/XXXX. Which isn't true.. The 2nd letter was dated on XX/XX/XXXX stating what was done in the 1st dispute, they sent me a statement of the {$100.00} deposit. Nothing about the {$1600.00} or my missing {$500.00}. I don't know how many times I've called & got no where. I don't understand why this is so hard to figure out or settle. I asked them to check the cameras, check the machine, check the electronic records. It should be noted & shown up somewhere. I made a {$1600.00} cash deposit, it was accepted. I selected another deposit, cash then inserted {$600.00} in the machine. The machine spit out only {$100.00}. But kept the {$500.00}. I then deposited the last {$100.00} in a separate transaction. I made 3 different deposits. But That 2nd deposit of {$500.00} isn't showing up anywhere. & they are not explaining what happened to it. I have included both letters which is the only documentation US bank has sent me. I have even tried to call them to try to get this resolved but it was the same results, a dead end. I waited for more correspondence but realized US bank doesn't care. They couldn't even send me the results of the last dispute they investigated. I havent received anything about it being closed XX/XX/XXXX yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: XX/XX/2020. Charged 4, {$36.00} overdraft fees for items that show they were cleared on XX/XX/2020. Spoke with branch manager XXXX XXXX XX/XX/2020. Unwilling to help on anything. I do have printouts of account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84044
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: US Bank set up automatic payments from my XXXX XXXX XXXX XXXX XXXX account ending in XXXX without my consent. After reviewing my US Bank account online, I realized that three automatic bank drafts ( {$200.00} XX/XX/XXXX, {$190.00} on XX/XX/XXXX, {$190.00} XX/XX/XXXX ) were paid from my credit union account that I didn't authorize. Prior to contacting US Bank, I attempted to remove the auto-pay and my bank account online, but there wasn't an option on the payment option. The representative, XXXX, was unable to remove the auto-pay form the account as well, and she couldn't explain the reason that US Bank was accessing my personal bank account without my consent. I spoke to a supervisor, who was able to remove the auto-pay, but she couldn't explain why the unauthorized payments occurred. She submitted a request for a refund which may take 7-15 days. This should've never occurred where US Bank is accessing my bank account without permission. XXXX, a supervisor for US Bank, submitted a refund request to the Research Team, which will take approx. 5 days, and additional 17 days to be processed. This time-frame doesn't include mailing the refunds. Therefore, rather than US Bank processing the request for refunds, I have requested my bank to refund the debits based on unauthorized debits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29154
Submitted Via: Web
Date Sent: 2020-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A