Date Received: 2020-10-09
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested a balance transfer from my US Bank credit card to XXXX on XX/XX/20. It still has not been processed, and I am incurring fees/penalties & interest as a result. I called US Bank today to inquire how these are processed how long it takes. They said about 2 weeks because they sent a check via USPS instead of transferring funds electronically. I asked if they do bal xfers via XXXX to XXXX, a Manager named XXXX confirmed US BANK does EFT xfers of thousands & thousands of $ everyday. When I expressed it was odd that my balance xfer was mysteriously declined despite US Bank having the proper channels to process electronic payments, she sarcastically replied " I don't have a way of knowing if it's odd or not '', instead of taking a professional approach.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11373
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Had fraudulent charges. Company reversed them and sent me new card as well as letter saying they had made mistake. Asked me to send in documents and photos which I did numerous times. Promised call back in 5 days on 3 seperate occasions. I have XXXX in that account and today was told I was out of luck and would not be able to access it at all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77041
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My XXXX from XXXX has been getting deposited on Relia card since XX/XX/XXXX. I had no problems using the card until XX/XX/XXXX. Relia card locked my account and asked me to fax documents proving my identity. I faxed all the documents they asked for except my XXXX tax return. The reason that was not faxed was because it was done online as just a non working tax return. This complaint is very urgent due to the fact that i have no money to live. I am about to be evicted due to relia card not allowing me to access my money. I have tried to get XXXX to deposit my money into my checking account but they keep putting my money on this Relia card which has unlawfully locked my money. They have a horrible customer service. Please i do not want to have to pay for a lawyer to allow me to access my own funds. At this point i feel they are stealing my money. There is no fraud i couldnt remember my password to sign into their mobile app so i tried over three times amd they locked it. Like i said this is very urgent i get this fixed. I have called their customer service everyday to try and get this resolved. Please let me access my money from XXXX. That relia card is a horrible pre paid card i just want what is rightfully mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 159XX
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX at approximately XXXX I was alerted by text that international transactions were taking place on my US Bank credit card account. I call the credit card company immediately and they said they could do nothing about it but close the card, until after the funds actually left my account. At XXXX that same day the bank released the funds to the unauthorized transactions. I have since filed several disputes to which the Bank has agreed the transactions were unauthorized and claimed to returned the funds back to me, but I have never received the money back in my account nor has it been refunded to me in any other way. I have waited on the phone for several hours trying to reach someone in person most of the time in vein. I spoke to XXXX on XX/XX/XXXX who assured me my dispute was being handled. Around XX/XX/XXXX I received a complaint form from the USBank to fill out, which I did and faxed back the same day. On XX/XX/XXXX received a letter dated XX/XX/XXXX saying the issue was resolved and the money would be refunded into my account. I spoke to XXXX on XXXX and she stated she saw where I was supposed to be refunded but she also saw no funds were ever returned to my account and put in a research to find out what happened to my money. I have had not response. I have faxed the dispute department of US Bank on several occasions to no avail no response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19403
Submitted Via: Web
Date Sent: 2020-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I have noticed that they have placed an inquiry on my XXXX credit file dated XX/XX/XXXX and XX/XX/XXXX that I never authorized and your Person is therefore in violation of federal statute : 15 U.S. Code 1681b regarding Permissible Purpose for accessing consumer credit reports. Additionally, this inquiry is reporting verified to 3B but provided no verification of my authorization.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2020-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2020 I allowed my niece transferred funds into my account from her account because she lost her debit card. I went into the branch to withdraw the funds and the branch manager locked my account. Ive been willing to bring my niece with her bank documents and Id but they wont allow it. Ive asked for them to close my account and return my money they wont. The branch manger is refusing to unlock my account and give me the money. Ive called US bank and they said that specific branch is the only one that can unlock it. Its been a month and my account is still locked. I havent gotten any letters or anything
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92880
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: In XXXX of XXXX I had {$1000.00} withdrawn using an ATM in XXXX XXXX TX. This transaction was unauthorized and fraudulent. I closed the card and filed a dispute with U.S. Bank. I am a XXXX on a laid off worker workfirce re-entry program through the Texas XXXX XXXX. Rhis debit card is issued to me by the state of Texas through U.S. Bank. The funds were place back into my account and I received the funds back onto my card. The correspondence received from the bank stated that the money was removed due to a system error. I started to regularly change my pin numbers and contacted customer service asking for some type of safeguard against unauthorized usage on this card. On XX/XX/XXXX I checked my balance as I regularly do, and noticed a great decline. I logged onto my online banking and found three more unauthorized ATM withdrawals one after the other occurring on XX/XX/XXXX. Each was for {$300.00}, totaling {$900.00}. I immediately contacted the lost/stolen card department and repeated the process of ordering a new card and filling a dispute. I did not withdraw these funds and have never been to the city where these violations are happening. U.S. Bank has declined to put the funds back onto my card and says no error occurred. I am being targeted by scammed and criminals within the banking system because my card had never left my possession. I have never shared my pin number with anyone. U.S bank has someone on the inside that is committing these acts. There is no other way and no explanation other than an inside job. I did not visit or utilize any ATM on XX/XX/XXXX. If U.S bank had investigated and pulled the ATM images or investigate internally this could be solved. I want my funds placed back onto my card. I have sent in an affidavit from the person I was with at the time of the theft. I feel frightened and targeted. I have suffered from this violation and need assistance. I am still trying to gather any other documentation or proof if innocence. No one will listen to me, I have spoken with multiple supervisors and representatives but if seems as I no one will just investigate. I will speak with law enforcement or any investigator from the bank. Please direct me to any additional steps I should take because I did not do this nor did I authorize ANYONE to use my debit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75007
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: i called to dispute some transactions on XX/XX/XXXX XXXX 2020 for my us relia bank card they sent me a new card but put a fraud lock on it, i have faxed documentation over twice and they have not reviwed it ts been almost 4 weeks and i still cant access my card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 437XX
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XXXX $ I was so posted to get my money over XXXX and I dont know where is my money I did my Calm over 4 months and keep doing my calm And I didnt get nun on my card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19401
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: there was a restriction placed on my card and they are denying me access to my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77520
Submitted Via: Web
Date Sent: 2020-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A