Date Received: 2020-10-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a Fidelity Rewards Visa Signature credit card from XXXX, but in these latest two years, I didn't use it. This XXXX, I received a call from this credit card company, and they told me that I owe them {$180.00}. I'm so confused about this money because I didn't use this card for a long time. They told me I was charged {$25.00} on XX/XX/XXXX, and I didn't pay the bill, including all the late fees and interest. I owe them {$180.00} in total, and they also closed my account. I lost all the reward points earned at this account. I talked to them. I haven't used this card for a long time. I didn't know why I was charged and why I have to pay this money. In the end I still paid the money because if I don't pay, they'll keep charging the late fees and interests. At the same time, I also filed a fraud case. About a week later, they found out that the {$25.00} charged on XX/XX/XXXX was fraudulent. They agreed they would refund me {$180.00}, but they can't reopen my account. I had about XXXX points in that account, and I would lose about {$1200.00} if my account can't be reopened. I believe it's all due to miscommunication. I didn't even know there was a fraudulent charge on this card since I didn't use this card for a long time. By the way, I also found that some of my rewards points were expired. The Fidelity Rewards Visa Signature credit card I used is described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card It clearly states, " Every eligible net {$1.00} spent equals 2 Reward Points. No limits on total Reward Points and no restrictive categories, Reward Points will not expire ''. I was never told that the reward points would expire and there wasn't any place I've seen that indicated that the points would expire, so I never thought of checking my rewards status. Recently, I checked my statements and realized that there are only XXXX points left in the account, while my record showed on XX/XX/XXXX that there were still XXXX points in the account. and I never redeemed the points since the card webpage said " Reward Points will not expire ''. I hope they can reopen my account with all of my reward points reinstated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53144
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: The usbank.com website login button does not let me log in to access my accounts. When I browse using XXXX XXXX XXXX on a XXXX, if I click the " login '' button nothing happens.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$170.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 162XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: XX/XX/20- US Bank has recently decided to close my account, without any reason. My theory is that a month back I had filed suit in which I suspected the bank had wrongfully managed my account. The court did not rule in my favor, I had left it alone afterwards -- if the court said the bank was acting in good faith why pursue it? I feel that because I had exposed a lot of the company 's actions they have decided to terminate my account but because they aren't releasing information about why they are closing my account I am only left to speculate. I wish to remain having an account and I feel as though establishing a policy that allows the bank to terminate my account without any reason or for whatever reason is a violation of my Freedom of Choice and my First Amendment Right to choose what bank I can bank with. Of course, I choose another bank but if US Bank is allowed to do it so would any other bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 99216
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My US Bank Reliacard was placed on hold on XX/XX/XXXX. I was unable to view there was a hold however. Through the website and app there was nothing about there being a block on my account and everything looked fine, but any purchase of any amount was rejected. I called customer service to figure out what was going on and was informed there is a hold, but not why. I faxed over and filled out all my information and documentation online. I have called multiple times to check but I have received no help from any customer service staff. I am unable to pay my bills, or get any groceries and I have been out of food.
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: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: usbank sent me unsolicited visa debit card. concerned about its use fo fraud. usbankreliacard. want a safe way to cancel this card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 780XX
Submitted Via: Web
Date Sent: 2020-10-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble using the card
Subissue: Trouble using the card to send money to another person
Consumer Complaint: I have unemployment card with US Bank Reliacard and they randomly lock my card I sent them my ID Ive been calling every day every time I call I get different stories no help they very rude I wrote down every conversation and recorded every conversation they unprofessional bad enough I have to wait to get approved for my unemployment and now my card locked im behind on bills I have a 15 day evection notice they dont care I cant get no help sincerely unhappy XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hello, my name is XXXX XXXX, I currently have a mortgage loan with US Bank and an escrow account as well. Unfortunately, XXXX XXXX XXXX XXXX XXXX XXXX is refusing to insure my property and honor my policy due to US Bank failing to pay my homeowners insurance in a timely manner from my escrow account as per our agreement after being contacted multiple times by myself and my insurance agent. They also proceeded to misinform my agent and myself of when payment was sent and caused my policy to be cancelled. Now, I am expected to pay {$3300.00} for a new homeowners insurance policy compared to {$1500.00} that will accept me with damage that occurred during Hurricane Sally and through my insurance agent, who is trying to honor my cancelled policy through their own company, an additional {$3300.00} for a deductible. US Bank has also been sent my new Homeowners Insurance Policy multiple times now and is again failing so far to pay them in a timely manner. I was wondering if there was any action I could take against US Bank for the impacts and costs of their actions. XX/XX/XXXX - XXXX XXXX XXXX started and Paperwork Submitted. XXXX XXXX US Bank was contacted about late Payment and said they would overnight it. XX/XX/XXXX - US Bank contacted again about late payment, we were then told it was sent over regular mail. Not overnighted like we have been told. XX/XX/XXXX - Payment still hasnt arrived, contacted US Bank again and was told they have to do a check trace. XX/XX/XXXX - Hurricane Sally Cause Damage to Home XX/XX/XXXX - Insurance still unpaid. XX/XX/XXXX - Insurance Cancelled and Unwilling to Reinstate Our Policy due to being so late from US Bank. XX/XX/XXXX - New Policy Started and Paperwork Faxed to US Bank. XX/XX/XXXX - Called US Bank and Told They Did Not Have Information. XX/XX/XXXX - US Bank calls and states they dont have information still, information Faxed Again and inquired about payment for it. Was told it would be express mailed. XX/XX/XXXX - US Bank calls and states the dont have information. XX/XX/XXXX - Used US Banks online portal to Upload information. XX/XX/XXXX - Contacted US Bank again with Policy Information, Invoice, still havent received payment. XX/XX/XXXX - Still no Changes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32563
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-20
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: i received an offer from us bank for a debit card that i did not order, request or desire. all attempts to call the company require me to activate the card or provide other information such as social security numbers. Although provided my social security number I did not provide any more information. I believe this may be a fraudulent offer as there is no information such as a cover letter summarizing this offer. it merely states to call to activate and funds will be allocated. I want this action stopped immediately for fear of possible identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2020-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-19
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received unsolicited debit card from US Bank due to a fraudulent Colorado unemployment claim made in my name. Trying to contact US Bank to rectify this has been impossible due to their horrible customer service phone service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95355
Submitted Via: Web
Date Sent: 2020-10-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A