Date Received: 2020-10-27
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: XX/XX/2020 received a Debit Visa Card in the name of XXXX XXXX that appears to be Ohio Unemployment Insurance Program. I do not live in Ohio and have not applied for Ohio unemployment. XX/XX/2020 Called Cardholder Service at XXXX and could never get through the holding cycle of the phone system. I do not want this card never requested this card and do not want it to affect by credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 030XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Thank you in advance for your help. On XX/XX/XXXX, when I attempted to withdraw cash from ATM, I noticed there was {$4000.00} discrepancy in my balance on my Pennsylvania US Bank Reliacard, which was issued to me in XXXX when I applied for Unemployment. I immediately called US Bank to report this. I was told there were 2 unauthorized fraudulent transactions of {$2000.00}, electronically transferred from this card to a personal checking account, which was obviously not done by me. I was told a fraud investigation would start immediately. I was told the card would be inactivated immediately, and it was. A new card was sent to me ( {$15.00} charged to me to have it send overnight ) I activated the new card, which was used just a few times. A few days later, I received a letter in the mail from USBankReliacard. It said " Thank you for the change of address. It has been updated in our records '' I have NEVER changed my address. I have been living here since XX/XX/XXXX. When I called them, I was told " Don't worry about that letter, it is computer generated, means nothing ''. Shortly thereafter, I went to use my card, and it was declined. I called them again, and was told " A red flag was placed on your new card, the money on the card is on hold '' When I asked why, I was told " due to the address change ''. I have been calling them daily, have faxed numerous documents to them several times. These documents include Drivers License, W2, pay stubs, etc. They have received everything they asked for, verified on the phone with me. As of this date, XX/XX/XXXX, this money is still on hold. Every time I call, I get a different person on the phone, with different instructions, different fax #, different stories. I spend countless hours just trying to resolve the hold on the money. They also hang up on me, without even speaking to me, due to the extreme amount of calls they are getting. I was told that there are 12,000 cards on hold right now, just in PA, due to the amount of fraud that is going on! Please help me as soon as you can. I have no money at all. I am sure there are many, many other people in the same situation. It is very sad. I am unable to pay any bills, such as rent, car payment, car insurance, utilities, etc. I do realize the fraud investigation can take up to 45 days. When I talk to Customer Service, I am told that is a separate issue. I was also told that I would receive updates concerning the investigation, and have not received anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank Credit Card # XXXX due date for monthly payment is XXXX of every month. I get paid on the XXXX so I call in the payment during the day to the number provided on the statement XXXX, I make the minimum payment as I am hurting financially a lot. They take the payment, on the next month 's bill I see a charge for {$40.00} saying the payment is late, this happened three or four times now. I have closed the account because they would not take off the fee. I work two jobs now, I was unemployed for almost two years. It is very important for me to pay my debts, however US Bank was not working with me and charges one of the highest interest rates around 23.99 %. I can not wait to pay off this bill. I think it is very unfair the late fees they are charging me. This year due to Covid it has been especially tough keeping the 2nd job. The total fees charged this year are at {$150.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77406
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I have two outstanding disputes with my reliance prepaid card from two months ago that are not resolved yet by reliacard one is an item that I took back from two Walmarts a computer I printed out a return label and put it into the kiosk as XXXX wanted they had never returned the money to me which is {$520.00} and some change so I called reliacard and filed a dispute gave them all the information that they required of me and still I have that yet to get that money back into my account the other is for {$130.00} for items purchased online that were never shipped out to me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19464
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
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 prepaid debit Visa debit card from US Bank. It was postmarked XX/XX/2020 from ZIP XXXX. It appears it may be for the Ohio Unemployment Insurance Program. I do not live in Ohio. I have never lived in Ohio. I have never applied for unemployment benefits from ANY state. ( A couple of months ago I received a similar card from XXXX XXXX XXXX for unsolicited Arizona benefits. ) I do not know the amount on the card. I have not activated it. I tried calling US Bank but was on hold for 20 minutes with no end in sight. I am using a lot of my employer 's time trying to return/stop unemployment payouts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85365
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We initiated a refinance back in XXXX of this year, XXXX, for our current mortgage with XXXX XXXX which closed in XXXX of XXXX. As appropriate, our loan broker submitted for subordination from our US Bank HELOC account that we opened in XXXX of XXXX. In addition to the order of closing dates of the two loans, ALL documentation ( including county recorded title documents ) reflect that our existing home mortgage with XXXX XXXX is in FIRST position, while the HELOC that was opened subsequent to our home loan is in SECOND position. Despite the complete and total clarity of documentation, US Bank refused to agree that they are in second position, which completely blocked our ability to refinance. We resubmitted several times, we called any number of US Bank reps, I sat at a local branch and pleaded with staff ( who FULLY agreed with me ) to help. The final answer we received after multiple attempts to clarify was that US Bank would not budge. We had provided them ALL the needed documents ... it was not a matter of record, it was a matter of complete and utter refusal of US Bank to look at, respond to, and act appropriately on the documents we provided. At this time, we are unable to refinance due to this egregious and indefensible error on US Bank 's part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94558
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Advertising
Subissue: Confusing or misleading advertising about the card
Consumer Complaint: I received a US Bank Visa Debit Card from a company called Relicard. The problem is I didn't order this card nor do I want. I have been waiting for over 2 hours to speak to a representative and have had to call back twice because I keep getting disconnected. They keep asking for my social security and date of birth which I won't provide. This is from US Bank and it makes me wonder if the company is accepting and/or processing fraudulent claims using my information. I was just told that there are 389 people in front of me and my hold time is now 2.75 hours. This company needs to be fined and/or shut down. I now have to waste an entire afternoon from work to deal with this issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85381
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: In XX/XX/2020, I contacted US Bank to finance a boat. I stated that I wanted to purchase a boat for XXXX with XXXX down. I went through the approval process. The seller was driving several hours and wanted cash only. I requested that XXXX cash be made available to the seller in advance. The loan representative with the bank, XXXX, agreed. She also said they rarely do any boat loans ( I think this branch needs an audit as they don't seem to be well versed in many bank products, as I had multiple issues with opening a business account as well. ) Upon arriving, they were short XXXX in cash although we'd confirmed more than a week in advance that they'd have it. Apparently XXXX misinformed the staff about how much was needed. They were able to resolve the issue, but not without another teller chastising the rep for miscommunicating. Then, she provided the paperwork, and handed me a sheet showing sales tax. I asked what it was and she said 'This is what you'll pay to the BMV '' I said, " This should have been financed in? '' She said " Well, it wasn't '' I said " I've never had a vehicle loan without sales tax financed in. '' Then, the other rep loudly interjected " THATS NOT TRUE -- IT HAPPENS ALL THE TIME '' I stated " In my XXXX years alive, I've never not had a loan where the sales tax wasn't financed in. The least the bank could have done was advise me in advance, considering I am already putting XXXX down. '' She turned away. I asked if the sales tax could be financed in. XXXX said if so, the closing would need to be rescheduled. The seller had already made the trip and we would have lost the sale. We expressed our dissatisfaction. In XXXX, we still had not received the documents to register the boat. I emailed and reached out several times, the last via email on XXXX XXXX The branch shut down phone calls completely and I was unable to call at all. I finally got in touch via email with XXXX the first or second week of XX/XX/XXXX. Just recently. She emailed b lank documents to send to the BMV. I printed them out. She followed up a week or so later to see if I had gone to the BMV. I informed her that the business I own is extremely extremely busy 7 days a week through XXXX and that I would need to find time over the next couple weeks. The BMV does not take phone calls, there is a line outside all the time due to restricted hours and COVID changes. I also explained the documents were blank. She said the BMV will fill them out ( I am not sure how the BMV could have access to my loan information ). I informed her it would be a couple weeks. It is very difficult to get into the BMV because of COVID and more importantly, with my work. I can not just take off and stand in line for hours to file a document right now because they finally sent it during my busy season. She emailed me today stating US Bank will begin sending me letters about it. I tried to call the main number, but I am always left on hold. it is nearly impossible to get in touch with anyone to express my concerns regarding this branch and the way they handle things. Not only would I like this loan reviewed, I would like the point of contact to raise issue with someone other than the manager of this bank to review how they process products. I have had nothing but issues with this bank with the last 3 loans and accounts. I would like to know why the sales tax wasn't financed in. I would like to know what the proper procedure is for disclosing sales tax for vehicle loans is. I would like all my documents reviewed. I would also like the actual *blank* document reviewed by someone to determine if this is even the accurate document to take to the BMV because I will not be able to make time to go more than once. I would like to know how much time I am being afforded to go to the BMV and what the recourse is if I do not acquiesce to their time demands. I would like an actual human to call me and review this information with me, not from this branch.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I can not acquire another bank account due to US Bank sending me to collections. A transaction occurred through a third party payment solution company called XXXX. This transaction put my account in a negative standing of about $ XXXX in XX/XX/2020. I was completely unaware about this until I received a letter in the mail in XXXX stating that if I dont pay I will be sent to collections so I immediately took action and payed the negative balance along with a late payment totaling about {$400.00}. Once, I paid in full I decided to close the account at that time. I then found out in XXXX of XX/XX/XXXX that US Bank had put me in XXXX. This has hindered me from getting a checking account and to further my credit. I paid the amount owed and the late fee the same day I received a letter warning me. I need this to be removed. Ive contacted US Bank and they said it shouldve never got sent to XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92883
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My dispute is that I was charged over {$190.00} in fees on XXXX XXXX due to card being inactive I was never told I must keep funds in account how was I suppose to know I was going to be receiving unemployement again so disregarded the debit card and never used it because I have my own bank account so I had no use for and I was unaware of having to close account but even so the fees for inactivity is {$1.00} per month I just don't think I should have got charged this amount just for a XXXX debit card this is totally not right I want my funds back cause this is a rip off I've never heard of paying for a XXXX debit card your never gon na use again until unexpected pandemic
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 566XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A