Date Received: 2020-09-24
Issue: Problems at the end of the loan or lease
Subissue: Problem extending the lease
Consumer Complaint: My NJ car lease matured on XX/XX/2020 during COVID times. I care for my XXXX elderly mother who lives with me and I am her XXXX so I could not get out with the pandemic and my mothers condition being high risk so I couldnt expose her to covid. I was in continuous contact w the lease end dept but kept going in circles getting calls sayingy account wasnt coded to COVID and several other miscommunications. The customer service connection has been horrible. I was never given an Expiration date and am now advised that my account has been charged off I have held this lease for 4 years and have Never been late or missed a payment and now told my credit is affected Im requesting this be resolved and credit issue resolved and I will purchase car if necessary but Im truly not ready but if I have to I will but seeking help to direct me on this matter and clear the credit issue. I have sent the bank a complaint letter today also after all my failed attempts to fix this. I am begging for help on this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08742
Submitted Via: Web
Date Sent: 2020-09-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-24
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 prepaid Card in the Mail on Monday from usbankreliacard. I live in New Jerey and am currently employed and never unemployed. I researched that this card is for unemployment benefits and I have never been unemployed. I have lock my credit file. I have sat on hold for 2 hours one time and 1 1/2 hours the second time to be hung up on. I did not ask for this card and I do not want this card. I was to to reach out to my state unemployment office and sat on hold there numerous times to be hung up on each time I called.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08234
Submitted Via: Web
Date Sent: 2020-09-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My ReliaCard card isnt working Im receiving benefits I turned in information to unlock my account they received my information and they still playing with my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 191XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: Us bankreliacard basically not providing information about my account being lock, trying to hold ny funds against my well, hanging up in not being Professional about the situation I saw they hang up the phone place me on hold for more than 2 or 3 hoursThe manager also told me the same thing to call representative is saying I have to keep sending my identification two forms of identification in a tax 2019 formAre they keep telling me is to wait so many days so many days time so I might I have to have for {$2000.00} and something on his card there a hold of my money is my will, They are lying telling me that PUA is the one to have to hold on my card, But really theyre just lying they also telling me that they can not give me the routing and account number for this account of mine pretty much giving me the runaround can you help me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In Mid XXXX, we applied for a HELOC. We have pending litigation from XX/XX/XXXX dog bite at XXXX XXXX on our property, and our homeowner 's insurance is defending us. XXXX XXXX reported to US Bank and that we had a lien/judgment on our title. We do not. XXXX reported this : On the property report under judgment/Liens, it shows : A JUDGMENT filed by XXXX XXXX XXXX XXXX XXXX C/O XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX against XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in the amount of {$0.00} dated XX/XX/XXXX and filed on XX/XX/XXXX in ( instrument ) XXXX, of the official property records of XXXX XXXX, Washington, Case No. XXXX and in favor of XXXX XXXX XXXX XXXX XXXX. The person we talked to at XXXX, referred to it as XXXX XXXX, or pending litigation, and that they had to report it as a judgment/lien. I argued it should be under a separate heading if they have to report it, but there is no lien on my property. After some back and forth, XXXX said they could remove it if US Bank agreed. According to my loan processor, US Bank said it was against their policy to lend on a clouded title, and there is no way they would approve it to be removed. And here we are. I was told NOT to contact the title company again as they did not determine the credit outcome by XXXX. Since then, she has not returned any emails. I scoured what I could find for XXXX XXXX, and everything I found stated it had to be filed/recorded on the property. My attorney handling the lawsuit and the claim representative said they had never seen this before! I looked up RCW in WA State, as maybe there is something odd here in this state. No, it says it has to be filed/recorded on the property : XXXX XXXX XXXX? XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX call out specifically " Once recorded. '' Upon further looking at everything at the bottom of the report from XXXX, it says : The information is obtained from public records whose accuracy, completeness, and reliability we neither can nor do guaranty. So, you can't guaranty the accuracy of your report, yet you are causing me issues based on your inaccuracy? I used a benefit at work to have a property attorney go over the report that was returned by XXXX. They agreed as well there was nothing on my title. I was told to have the lien removed. How it doesn't exist! By who? XXXX, who is suing me for {$300000.00}? Her attorney? I suppose I could complete the affidavit of identity, but that is not true, and I won't. I am at a loss of how to get this remedied. US Bank won't lend with a judgment, XXXX is inaccurately reporting that I have one, yet US Bank tells me I can't talk to the title company anymore? I am at a loss as to how to get this rectified. It is a big circle right now, with inferior customer service. I did file an Insurance Commissioner complaint against XXXX on XX/XX/XXXX since they are inaccurately reporting that. How many other people have they harmed with this practice, and not understanding WA state law? How can I get them to remedy it if I can't talk to them? I felt I had no choice. Today, XX/XX/XXXX, I just received the notice of adverse action that you were declining my HELOC, based on " Value or type of collateral is not sufficient '' and to call a local number XXXX. I called, and it said to call XXXX XXXX and hung up on me. It appears to me that XXXX is retaliating ; XXXX told me the application would sit until we could get the title issue resolved. Now I will have adverse action on my credit report? XXXX is not replying to emails. The reason for adverse action from USBank - -- -- While we hope that you continue to view U.S. Bank as a potential financial services partner, we regret that we are unable to approve your application at this time due to : Value or type of collateral is not sufficient
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98290
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Opened a checking account on XX/XX/XXXX with a {$300.00} sign up bonus. Met the terms of the bonus and never received the {$300.00}. I've called US Bank 16 times over the last 3 months and spoken to 7 managers. They ALL agreed that I met the requirements of the sign up bonus but said there was nothing they could do to help and no further way to escalate the issue. I've recorded most of the phone calls including the one where I opened the account with a US Bank representative over the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Hi I have the us bank ReliaCard for Pennsylvania for unemployment and they have locked my account with my money on it and are not releasing my funds for me to use the card I have sent in ID verification and piece of mail proving it is me I can not pay my bills or anything cause they keep telling me to wait until they have processed my documents Im getting very upset that my unemployment benefits after everything I have send still wont unlock or free my account so I can use my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15102
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This is my trying to deal with US Bank after I sent a check to myself from another account, while not knowing my dad was closing that account ( it was a joint account ) at the same time. Quick story : Check bounced. I called customer service. One person led me to another, to another, to another, so on and so forth, between the local branch and the call center number. I spent two and a half weeks just trying to get INFORMATION about my account/what was wrong, let alone what I can do at that point to restore it/get access to my funds ( at a time I desperately needed them ). I logged in every day to check all of the statements/documents in each section, looking for any communication from them whatsoever. I tried to XXXX {$1.00} a day just to see if I could access funds. Even though I think it's backwards af that banks don't have to communicate with their account holders in these matters for an indefinite period of time ( I mean ... forget XXXX ... this is an XXXX backwards law all around ... ), and although their awful/point-the-finger communication was the initial reason for my anger, that is not the reason I'm here. Today, after getting XXXX around by three different people in a department conga line, somebody finally told me the first piece of information that I could use. My account is set to close at X date, at which point funds will be mailed to me. Great. Thank you. I now no longer have to spend 2-3 hours on the phone/driving to your branch every day trying to just get a basic piece of information. I had the funds ready. I didn't know my dad would close the account. I wish US bank had given me a chance to show it/fund the account/prove that I did nothing illegal. What finally got me to write this complaint, however, was the following : I was told that the local branch manager was the only one who had the right to reinstate my account ... ( 1 ) they told me a different branch was my local branch originally, so there was a lot of wasted time and effort there. ( 2 ) Then they told me a different branch is my local branch. That branch told me that my local branch got shut down recently so he can't do anything. I asked him whether I'm the first person this has ever happened to and whether they have policy about this. At this point it was clear to me that they would rather just not deal with me EVEN IF I DID NOTHING WRONG, AND HAD THE ABILITY TO PROVE EMPLOYMENT AND FUND MY ACCOUNT BEYOND WHATEVER AMOUNT THEY WOULDVE LIKED. ( 3 ) He said he'll call me back. When he called me back, he said his boss is on vacation for a week so he can't do anything. I asked him whether I can use my XXXX car as collateral ( for {$800.00} in my account ... literally just to be able to pay bills ... instead i've had to take out high interest loans ). He said umm ... ( 4 ) At this point it was clear to me that he just lied to me and denied me any options that I may have had. Forget the fact that this is literally the only year of my life that I've struggled financially ( was riding XXXX credit score for a while ). Forget the global pandemic and all the others suffering at the moment. Forget the XXXX around I got for 2.5 weeks from customer service for hours a day/it not allowing me to use my time productively in other ways. I can " understand '' all of that in the name of law ( and XXXX business practices XXXX. What I can't let go of is the fact that there is a dude out there, probably sleeping comfortably in his pajamas right now, who decided to callously lie to me rather than even give me due process. I would've 100 % been okay with being denied re-access to my account ... but he decided that he would rather not even give me that. Dude ... I lost my faith in humanity HARD because of you today. I'm not even going to get into my personal situation right now and how I might be suffering. Even if you lack basic empathy ( like, hey let me just at least tell him that I'm able to take on the risk/unfreeze your account but I don't want to even if you use your XXXX car as collateral ), I'm sure you've read a newspaper headline or two by now. You know what's funny, Mr . US Bank Manager dude ( and likely the communication he was receiving from 'upstairs ' )? You know what's funny, Creator-of-USBank-IVRXXXX? Forget the fact that I could have proven my assets/how it's not even close to a risk to re-instate my account/that I did nothing illegal and that my dad is a XXXX. Before today, I simply felt like you were callous in how you treated me/had bad business practices/I didn't want anything to do with y'all again. Today, you ignited a spark in me. By lying, and by not giving me due process ( in the ONE time in my life ) that I've faced such extenuating circumstances. By stealing from me, both in terms of my time and now the high interest on the loan I had to take out. And finally, by the fact that through some combination of laws in this nation/US Bank 's practices, this was even allowed to happen in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98006
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I currently have the Relicard associated with Ohio unemployment. I have had my account locked since at least XX/XX/XXXX when I noticed I could not use my card to make purchases or withdrawal funds. I called customer service and was given the run around about my card being locked due to possible fraud. I was told to fax my ID and proof of address to a fax number. I did that twice and was told they didnt receive them even though I had the fax confirmation page. I then went online and uploaded the documents. Then the rep said she received them and they were under review. I have called on multiple occasions almost every other day since XX/XX/XXXX and tried to get help with this situation. This is the only source of income I currently have and they are holding {$1800.00} that I need to pay my bills before I am evicted or my bills are shut off! They have told me that my account is still under review day in and day out and theres nothing they can do about it or to help me. I just need someone to unblock my card as there is no fraud on my account and I have already proved my identity to Ohio unemployment and now a third party company is holding my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43232
Submitted Via: Web
Date Sent: 2020-09-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-23
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Hello, my name is XXXX XXXX. I have been trying to get my Relia Card, and is not possible to contact them at ANY time of the week. Once of the papers that I received weeks ago in regards unemployment benefits had this websote. Is there any way that you can help me to get new replacement? my email is XXXX. Feel free to contact me anytime. Thank yo
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19146
Submitted Via: Web
Date Sent: 2020-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A