Date Received: 2020-10-15
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: This complaint is about US Bank 's external money transfer fee of {$3.00} for any money sent out of one 's checking account to another bank. While I can understand they might charge the fee if initiated on their own platform since they need to create the systems to do such transfers ( even though other banks do not charge fees for either internal or external transfers ), after all it's their choice if they want to have a policy that puts them at a competitive disadvantage to other banks. However, they charge the fee even if the transfer is initiated at any other bank! This seems like they are holding my money hostage and charging an unfair fee since they aren't doing anything at all but releasing the money as they are legally required to. They don't charge fees for debit card charges, checks written to myself at another bank, etc., so why should they be able to take {$3.00} from my account if I ask my other bank to drag some money over? This seems like yet another example of banks nickel and diming users, likely without their knowledge before the fact ( I had to call the bank to find out they do this, and even then the banker I spoke with was unaware of this practice until confirmed elsewhere while I was on hold ), in order to boost their bottom lines. It's angering, frustrating, and further creates distrust between customers and the bank. I've asked US Bank for justification of this policy but have yet to get a response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: For no reason, US Bank closed my account. When I called for an explanation, they stated they don't have to give one. The account was closed due to Terms and Conditions. I don't know what means, the bank will not explain to me why the account was closed. I have rarely bounced a check to anything else.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92563
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a U.S>Bank ReliaCard in the mail on XX/XX/2020. I did not request this card, when I called I could not get a representative to talk to without divulging personnal or financial information. Was told to call back when I would give this information. I want to know how they were able to mail me this card? Is this legal?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28105
Submitted Via: Web
Date Sent: 2020-10-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-15
Issue: Took or threatened to take negative or legal action
Subissue: Seized or attempted to seize your property
Consumer Complaint: I was notified via letter on XX/XX/20 that XXXX XXXX XXXX would be garnishing my wages by 25 % beginning XX/XX/20. I called them immediately on the XXXX, I got an approval to settle the debt in whole for {$1600.00}. I went to the bank immediately, procured a cashier 's check, & XXXX overnighted the check. The check was received on XXXX PST on XX/XX/20. Today, my check from work was garnished anyway. When I requested assistance from the company for seizing my assets after they settled my debt, they told me they had done their job and would not assist me in recouping my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2020-10-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am contacting Federal Reserve consumer ( consumer financial protection bureau ) regarding this branch and XXXX XXXX. This guy working at US Bank XXXX XXXX XXXX. XXXX CA XXXX doing some shady stuff. XXXX XXXX is withholding my father money. he put the block and my father for the past months cant access his account and money. I have been calling the main office and corporate office and no body take care of the issue. This guy XXXX XXXX is controlling the whole entire bank system. He XXXX XXXX could be stealing and touching peoples account and money without permission and there is no one above him to supervise his misconduct. My father had XXXX and XXXX attach past few months and he knows that my father is an elderly. I will report XXXX XXXX also to adult protective services for elderly abuse as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91304
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Incorrect information on your report
Subissue: Personal information incorrect
Consumer Complaint: I had leased a XXXXXXXX XXXX XXXX through The US Bank leasing program in XXXX, i was a making all the payments and In XXXX i moved to a different address and notified the bank because i was getting my lease bills through the mail. They failed to update the information in there system and the reported a missed payment to the credit bureau because I was late. That has destroyed my credit history. I am a veteran, trying to purchase a home. I have pleaded with them and tried to explain but to no resolve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 110XX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: I applied to an auto loan today. My bank told me that US Bank submitted derogatory information onto my credit report that has affected my credit score and ability to obtain a loan with an APR that goes along with my outstanding credit history. Bank told me that US Bank charged off {$150.00} ( approximately ). It appears that this was my mothers account. She died in XXXX. Her house sold in XXXX. I received no information from the bank in the form of an email or phone call, although I'd been a customer for approximately 20 years. I was on the phone with the bank for over an hour. I believe they are using some kind of program for the XXXX XXXXXXXX as no one there has the ability to utilize a microwave oven, let alone deal with a customer issue. They were absolutely ZERO assistance. I am not responsible for this and want is removed immediately!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
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: I purchased two flights to travel to XXXX in XX/XX/2020. XXXX placed restrictions because of COVID and I could not legally enter the country. XXXX XXXX refused to offer a refund but they offered to change my trip but it had to be before the end of XX/XX/2020and there were no other flights the same price so I had to pay an additional {$460.00} to change the flight to XXXX. In XXXX XXXX still had strict restrictions on travel, and I legally could not go on my trip. When I called the airline and the third party I bought the tickets from ( XXXX ) they refused to give me a refund and said I had to pay even MORE money to change my flight, which again had to be within a year. I was being scammed out of money, the airline could not legally offer me the services I paid for and instead made me pay more money to change the flight to another uncertain time. I then disputed these unlawful charges with my credit card company, which is US Bank and they are refusing to help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92117
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: Ohio has issued a U.S. Bank Reliacard to receive COVID-19 Unemployment benefits. I have been reciveing benefits on this card and used this card just fine until on XXXX XXXX, my card was suddenly " locked '' for ID verification purposes. Relicard associates told me to fax a copy of my ID, SS card, and a copy of my XXXX W-2 or IRA tax document, they would verify me, and have my card unlocked in 5 business days. I followed that instruction and sent those copies on XXXX XXXX and again on XXXX. After calling and waiting for hours to talk to someone to make sure they got it, they told me they can not call F.I.U.Verification where I sent the fax, they can not verify if they received the fax and I should send it again. I did so on XXXX XXXX, and this time I sent a copy directly to U.S. Bank Reliacard , so they too would have a copy of those same documents. Now, 4 weeks with this locked card, and having my unemployment benefits being consistantly deposited, I still have no access to a card that was given to me to use my benefits! I have been told by Reliacard, 5 days, then 7-10 days,10-15 days before my card can be unlocked. We are now past that. I have been told my documents have been received and approved, now on XX/XX/XXXX, Im being told they have not been approved, " the copies are too dark '', " we are backed up.. '' and " to call back in an hour.. '' this is completely unacceptable! I threaten to call Ohio unemployment, and Reliacard associates tell me they have nothing to do with it. Ohio unemployment says they can't help because there is nothing wrong with my benefits. I ask for FIU Verification number to call them directly, Relicard says they don't have a way to contact them! I look online at https : //www.complaintboard.com/us-bank-reliacard-l1835.html and there are thousands of the same complaint for the same reasons! What is happening? My bills are due and I'm sure I can't keep telling them 5 days, XXXX days, 15 days. Thank XXXX my resturaunt job that closed due to COVID taught me how to cook, but I have no food to cook since Reliacard 's so-called verification process has my benefits locked now for over 3 weeks. I will not attached the personal documents that Relliacard has asked me to forward, ans they contain Social Security number etc. I find it ironic that this day in age with the amount of fraud that is happening, Reliacard has asked me to fax personal info to a so-called verification group THEY can not contact themselves, nor will give me info to contact myself!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44121
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-14
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had been a XXXX XXXX XXXX client for 15 to 20 years. I received a notification that XXXX XXXX would sell their bank to US Bank. I took a look through the documentation and nothing jumped out at me. I realized I would lose some of the benefits XXXX XXXX provided but I knew those were unusually generous ( for example, they paid back any third party ATM fees ) and that was fine. On Friday, XX/XX/XXXX, I tried to withdraw my money from my account and was told I had " exceeded my daily limit ''. My limit has been {$500.00} for quite a while. I tried less and still received the same message. I then tried calling XXXX XXXX, was told there were issues with the merger and someone would investigate and call me back. I never heard from anyone. The next day, XX/XX/XXXX, I am still getting " you have exceeded your limit '' even though I hadn't taken out a dime since Thursday. Now I call am told that US Bank will not allow any XXXX XXXX customer to take cash out of an ATM until the XXXX or XXXX. if there was any notice given of this, it was not obvious as it should have been if customers were going to be denied access to their money over a holiday weekend. I was forced to take a cash advance against a credit card, something I never do. On XX/XX/XXXX, I am finally able to withdraw cash but I am limited to {$300.00}. I call US Bank and they say they will not raise anyone 's limit unless they've had a card for two months and an account for a year. I have had this same account and card for decades but because this is a merger, it resets their close. This is completely unacceptable and should have been clearly and obviously disclosed to clients so that they can properly prepare ahead of US Bank 's lockdown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2020-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A