Date Received: 2020-09-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called to pay off my mortgage on XXXX XXXX and the funds were debited from my checking account but as USBANK has repeatedly misapplied payments in the past I called on XXXX XXXX and as expected the payoff had not been properly processed. I was assured that this was corrected. Again, based on previous experience I called again today, XXXX XXXX and again the payoff was not applied and I was told it had instead been put in a " suspense account '' I demanded to speak to a supervisor and my current status is that USBANK is suppose to send me email confirmation and call me to confirm that the payoff has been completed. this was only after threatening to file this complaint and to pursue legal action. Multiple times over the life of the loan they have misapplied payments resulting in addithional interest charges. specifically instead of apply additional funds over the due payment applying it to future regular payments. Though social media I have learned that I am far from alone in this situation. Multiple people relate multiple mis applied payment or other " administrative errors '' which has caused them additional interest payment. what concerns me is that none of this would show up as a problem on any type of audit, the books would look fine but USBANK is systematically making " errors '' that cost consumers money and increase its profits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30064
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have asked both XXXX and US BANK to remove these fraudulent inquires to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have asked both XXXX and Elan Financial to remove these fraudulent inquires to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95608
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Subject : USBank incorrectly posting settlement agreement payments. On XX/XX/XXXX I entered into a XXXX XXXX with USBank for the sum of {$3300.00} to be paid over 18 scheduled payments with last the payment to be made XX/XX/XXXX. On XX/XX/XXXX, after contacting USBank by phone, I was informed the last 3 payments XXXX XXXX, XXXX and XXXX XXXX were not received. On XX/XX/XXXX, I faxed USBank XXXX XXXX ) photo copies, from my bank XXXX XXXX XXXX, of the last 3 payments made to, and deposited by, USBank. By XX/XX/XXXX, USBank notified me they had applied the missing XXXX and XXXX payments and that they were posted correctly to my account. On XX/XX/XXXX, I faxed USBank XXXX XXXX ) a second time, a photo copy, from my bank XXXX XXXX XXXX, of the XX/XX/XXXX payment made to, and deposited by, USBank. As of XX/XX/XXXX I havent heard from USBank regarding the latest ( XXXX XXXX fax and Ive a number of time to inquire as to the status only to be told I would receive a callback from the Supervisor [ name removed ] whom Ive yet to hear from. My credit scores continue to suffer because of USBanks error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80920
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received a ReliaCard from us bank for UNemployment insurance. I never filed unemployment and I dont know why I got this card. Company is not helpful
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64134
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: XXXX, banker, opened my account and made several mistakes. She told me it was a {$200.00}. XXXX ASKED IF I WANTED ONLINE STATEMENTS AND SIGNED ME UP WHEN OPENING ACCOUNT-NEVER TELLING ME I HAD TO SIGN UP OR WOULD LOOSE PROMO OR I WOULD HAVE. Promotion NOT {$300.00}. Promo, ONLY After required direct deposits were met ( which XXXX never informed me of an amount or number ), I asked if I could switch to a student account and would still get {$200.00} Promotion, XXXX said : Yes. XXXX, XXXX branch banker, emailed XXXX that I should not talk to XXXX anymore-I was getting All Wrong Information. Also to prove I did everything right, in US Bank 's response to CFPB said I needed to sign up on website for online statements-I HAD NEVER BEEN CHARGED THE {$2.00} STATEMENT FEE UNTIL NOW. ALSO XXXX, BANKER, CHANGED MY ACCOUNT TO ONLINE BANKING IN XXXX THEN WHY WAS I NOT CHARGED THE PAPER STATEMENT FEE BEFORE AND I SHOULD NOT HAVE BEEN NOW BECAUSE I AM SIGNED UP SEVERAL WAYS FOR ONLINE BANKING. US BANK NEEDS TO TAKE RESPONSIBILITY FOR XXXX 'S MISTAKES BY NOT KNOWING THAT THE PROMOTION WAS EVEN FOR {$300.00}. AGAIN IF XXXX TOLD ME I NEEDED TO SIGN UP I WOULD HAVE BUT SHE DID NOT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92345
Submitted Via: Web
Date Sent: 2020-09-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-28
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: On XXXX XXXX Reliacard deactivated my card for suspect fraud and said I had to fax current ID, social security card and previous years tax docs, I promptly did that and after 25 days they finally verified I was that actual person but they still never activated my card saying I had to go to local unemployment office and I did that and was informed by them that they were putting my weekly benefits on my card and had nothing to do with the deactivation. The Reliacard Representative then told me that the XXXX is holding up money and theres nothing they could do, now every thing in my house is about to be disconnected can you please help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 638XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detail information about the account and how you indeed investigated and your detail process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent and unverifiable Info. How can you honestly say that you verified as it being accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumer to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-26
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: After the COVID-19 pandemic, PA Unemployment issued monetary assistance ( PUA ). This was issued in the form of a debit card ( USBank Reliacard ) managed by US Bank. The card was functioning until XX/XX/XXXX when my account was flagged for fraudulent activity. I was not notified nor did their app/website have any useful information on what to do. My first few attempts to contact costumer service the number on the back of my card would fail every time, after doing research I finally found a number that I could get through to someone. They explained they just needed me to upload documents to verify who I am. After uploading my Social Security Card and State Issued ID to their website and waiting 48hrs ( which is how long they told me it would take to verify my identity ). After waiting the 2days I called back and was informed that my since the billing address on my ID was old I would also need to upload verification of my current address, and so I did and waiting another 48hrs. Upon calling again I was told that they could not view my documents because the file was not in PDF So in order for them to view my documents I needed to re submit my documents as a PDF file instead. Again after 48hrs I called back. This time finding out that I needed to Fax my documents. At this point in time multiple bills I had connected with my Relicard have been declined, I have XXXX XXXX in which I take care of in need of food, school supplies, and basic essentials. After once again waiting another 48hrs I called back and all I was told is that there was no message for them to unlock my account and that I needed to wait 4-5 business days. When I heard this information I asked to speak to a supervisor who said that he can put in for my account to be viewed faster. Now it is XX/XX/XXXX, costumer Service has been no help, the Supervisor has been no help. There is no email for Reliacard and no other way to contact anyone who could possibly help and/give me information as to why this has happened. USBank has stolen my money, gave false Guarantees and put me and the 2 children I care for in a situation were we can not get access to basic human needs for nearly a month now, during the COVID19 Pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16335
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-25
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I sold my home at XXXX XXXX XXXX on XX/XX/2020. US Bank owes me approximately {$380.00} due to an overpayment. I've been trying for nearly 2 months to get that payment sent to me and they are not sending it, even though the pretend like the " check is in the mail. ". I've called at least 5 times, been told it will be resolved, only to never have my money arrive. They have no problem mailing me credit card offers, closed statements for my old checking account, or any other documentation. It's ONLY the money I'm owed that never gets to me. They also never have provided a written closing statement to me. I've attached a statement with my account number and name so my info can easily be ID 'd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92011
Submitted Via: Web
Date Sent: 2020-09-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A