Date Received: 2020-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Dear CFPB, I am writing today because US Bank is not processing my payments in a timely fashion or correctly. I have filed complaints in the past and US Bank gave back a little after I filled a complaint with you. I stared my loan modification with them back in XXXX. It ran on and on I complied with all their request. I finally gave up hires a lawyer and filled litigation against US Bank. Case # XXXX in XXXX XXXX County. All seem good had a demure hearing scheduled XX/XX/XXXX XXXX. My lawyer failed to show we lost the demure hearing and US Bank immediately filed a Notice of Default against me. I was done with loan mods and lawyers, so I sold some of my retirement stock to get the money together to reinstate my US Bank loan. At that same time the world was hit with COvid-19 and US Bank sent out they would offer a temporary forbearance on payment because of the pandemic. I applied for the relief. Her on comes the first problem. 1. First reinstatement figure was {$230.00} expired on XX/XX/XXXX the day I was released from the hospital 2. Second reinstatement figure was {$250000.00} Expired on XXXX XXXX at which time I ordered a demand to see why it was {$250000.00} to reinstate a loan with a balance of {$490000.00}. This is when I applied for the forbearance because of the pandemic. and I felt that would give me enough time to liquidate more assets to pay the extra {$19000.00} it had increased in 45 days. 3. Got the money together finally and then I get an even higher reinternment figure of {$270000.00} that would be good thru XXXX XXXX After going thru that and watching it increase approximately $ XXXX a month I borrowed and sold everything I could and came up with the {$270000.00}. I went to US Bank and bought a cashiers check per their instructions since they would not accept a wire. I then overnighted I to them and have included proof of the check and their receiving it. After 3 weeks of nothing from them and they are still reporting me delinquent to the credit bureaus and they still have the NOD recorded against my property. I have sat on the phone for hours with them get transferred all over XXXX and nothing. No one can tell me what my payment is or when I will receive a statement or when the NOD is going to be lifted. Then on XX/XX/XXXX I finally get a statement from USBank which I have enclosed showing I have 17 days to make an additional payment of {$280000.00} and this HELOC does not mature until XXXX. The payment for the next 6 years and 3 months should be a lot less the {$280000.00}. 1. What I am looking for is a realistic payment based on my actual balance and current rate of 3.25 % for the remaining term 2. Correct the delinquent reporting on my credit so I can refinance and get away from US Bank. 3. Remove the NOD recording against my home at XXXX XXXX XXXX XXXX XXXX Ca XXXX Feel free to call me if you have any questions XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91741
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: On XX/XX/XXXX, I received notice that based on my credit score from XXXX in XX/XX/2020, my APR was being increased to 17.99 % on XX/XX/XXXX. I have had this card for about 10 years so I phoned to question why they were not using my current credit score rather than going back to a score from 5 months earlier. I was told that they intended to raise it sooner but due to Covid it was delayed. I closely follow my credit scores which are either XXXX or XXXX. I spoke with four different people and the manager told me sorry, there is nothing we can do about it. I feel I am being penalized just so the credit card company can get more money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-11
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On or about XX/XX/2020 I attempted to pay a wireless cellphone bill that was in another parties name which when the wireless phone company attempted to obtain the {$5.00} fee for the cell phone bill they submitted there request to my US Bank relia debit card account by using the other party name and address who is on the wireless phone company account which US Bank card Holder services rejected the request which was a honest mistake made by the wireless phone company which US Bank card Holder services placed a Restriction on my US Bank relia debit card account on XX/XX/2020 making it unable for me to withdraw any of my Money that is on my US Bank relia debit card account which I have over 12k in that US Bank relia debit card account which they instructed me to Fax US Bank card Holder services Proof of my current Address and my Identity which I Faxed my Proof of my Address & my Identity twice on XX/XX/2020 & XX/XX/2020 and US Bank card Holder services has refused to still Remove there Restriction that they placed on my US Bank relia debit card account causing me Not to be allowed to withdraw any of my Money that is in my US Bank relia debit card account which is Ineligible account now and since XX/XX/2020 I have been unable to obtain any of my Money from this US Bank relia debit card account to buy Food for my home and pay my bills which are Past due can some one Please Please help me get this US Bank card Holder services to Remove there Restriction they placed on my US Bank relia debit card account or what other options due I have to get my Money off of this US Bank relia debit card account Please help me???
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19121
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is about our XXXX XXXX XXXX XXXX but I couldn't find the section under Mortgage. We had property Damage around XXXX XXXX and our Insurance company issued us a check to cover the damages of XXXX. We were granted XXXX which had our mortgage companies name on it with our name, so we had to send the check to the mortgage to endorse it. We are in the forbearance program from XXXX because of covid 19. We had the XXXX that wasn't paid but still put in the program. When it was time for the mortgage lost draft department to endorse the check we were told when XXXX payment is paid they would endorse the check without going through them dispersing partal ( We was told this by several different agents or several different dates in that department.This went back and for since XXXX. A supervisor also confirmed it with the agent we were told XXXX We made the XXXX payment on XX/XX/XXXX and was told by both departments we are now " current '' ( the department that took payment and the lost draft service department ) .We was also told that since the XXXX payment was made we didn't have to send in an estimate for the repairs of the remaining monies. XXXX didn't get their payment of XXXX yet. Because the XXXX that was left for repairs would not be enough to pay a contractor we was told to write a letter saying we are doing our own repairs with the XXXX inspection would be needed because we are current ( XXXX said since XXXX was paid in XXXX then that made her deny us, even after we was told to pay in XXXX for XXXX and we would be current ) on our mortgage. They also said they didn't need anything else after talking to XXXX XXXX because their job was completed and the mortgage lost department has their invoice etc ( the XXXX XXXX covid is current ) .When we call the Lost Service dept. they gave us the runaround and said that the supervisor XXXX and Manager XXXX denied our account being current and we could " not '' get our full XXXX released. They will make a 25 to 50 % payment to XXXX XXXX, and " After '' we repair the damages ourself out of pocket ( which we stated in the letter that we were told to send to them at the beginning of this that we would do repairs, but need the XXXX released to do it ) We then asked when would we get our XXXX because we can not do anything during covid19 out of pocket ( since they see we are on the forbearance program, letting them know we don't have the money to repair without the insurance monies ). They kept telling us we have to find a way to do it out of pocket and then inspection then they will give us our monies. How can we do anything that is XXXX estimated repairs from a contractor that we have to figure how to do it with the XXXX and don't have monies out of pocket. The lost department then insulted me by saying well ask the insurance company for more monies. That made no sense for her to even saying that because then they would hold that money also, and we still would not have the XXXX or the extra if the insurance did give it to us. They have lied to us over and over about the money being fully released to us if when we paid the XXXX payment, and then they told me that some of the things I questioned them on what the other agents told us weren't documented in our files with them. So it is my word against theirs and our home is still torn apart. The insurance company did exactly what they were supposed to do to see that the claim was documented and we did everything we were supposed to do so why is the XXXX XXXX XXXX XXXX holding our money and why are we being lied to. How can XXXX and XXXX deny something that was approved 3 times before them and why would they hold and demand so many different things before they " Release our full monies '' that is rightfully ours to keep our investment covered?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
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: On XX/XX/2020 I purchased a XXXX XXXX flight ticket from XXXX. Later on XXXX claimed the flight was cancelled. Normally I should expect a refund going to my credit card. But XXXX forced me to accept as airline credits, which I had never wanted. This transaction was made through my US Bank Credit card ending XXXX. Therefore I tried many times to get my money back through the bank online dispute, but the they did not proceed to a dispute claim. To be forced to accept airline credits apparently has formed extra credit card debt to me. Therefore, I hope to get my money {$540.00} back to my card as soon as possible. I attached the credit card statement to indicate this transaction under merchant name as XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Hi : For the first time, I am receiving a demand for insurance coverages for an HOA master policy in connection with my condominium, and the mortgage. US Bank says they want master policy to name them specifically, and this isn't a reasonable request given every owner maay, or may not have a mortgage and with various institutions or entities. It goes further to demand they be faxed. Not all people have a fx machine, or copier, but no email provided to forward any docs. I personally feel it is not a reasonable request to expect a master policy specifically name US Bank, and any other bank or entity. This is in addition to the personal insurance coverages already on file. Please help, US Bank attitude hasn't been good, and I tried 3 times to address this, resolve this, and move forward, but I feel the bank/s feel they are in a GOD like position, yet they are humans on the Earth, nothing more, and would like reasonable requests where I might succeed without a hardship.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Changed my address with usbank ReliaCard on XX/XX/XXXX, they in turn locked my card, without telling me. I called on XX/XX/XXXX, was told to fax drivers license and change of address card, I did, called again on XX/XX/XXXX, was told too dark refax I did, called again on XXXX was told it takes 5 days to read fax, I waited, called again, was told it takes 7-10 business days to read fax, I wIted till day 10 ( when I received a letter in mail from card services in XXXX Fl saying change of address was processed on XX/XX/XXXX ) they told me we still need to read fax, it could take 7-15 businesses days. Here I sit, 19 days later with no access to my funds. They did not protect me or my account when someone changed routing info back in XXXX and stole XXXX dollars from me, but they lock my card because I change addresses
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17044
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I was given a US Bank ReliaCard, which is a debit card issued to me for Pennsylvania Pandemic Unemployment Assistance. Since I began receiving the benefits on this US Bank reliacard account I've been able to perform a Card to bank transfer to my personal bank account, but for some reason I haven't been able to since XX/XX/20 and my benefit monies are accruing in their account and I can't access the funds, which I need desperately. Their website where I accessed this account and arrange for the transfer of funds no longer has the option tab for CARD TO BANK transfer. They removed it from their site. I tried to access my money through an atm and could not on several occasions. I tried calling them many times without being able to reach anyone and I'd always be left on hold for hours, until the call disconnected for no reason at all. Why can I net access my money? The US Bank Reliacard is holding vital funds for a lot of people and at the same time they're making money off the interest. I've read tons of complaints on this company. Is an investigation taking place? Please help me resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-13
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Lost my job due to the Coronavirus Epidemic! Signed up for unemployment got approved for the PUA program, got email my debit card would be in mailed within 7-10 business days! IT HAS BEEN FIVE WEEKS NOW! US BANK RELIACARD sent my card to not one but two different addresses! Know my third card is getting expedited till the unemployment office approved my mailing address! Why is this?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19608
Submitted Via: Web
Date Sent: 2020-09-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-14
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Hello, My name is XXXX XXXX XXXX XXXX. I am currently receiving PUA unemployment due to COVID-19. I have been on unemployment since XXXX. I have never had a problem with my reliacard until XX/XX/2020. I made a transfer of {$1400.00} from my reliacard to my XXXX XXXX card. After I attempt to make the transfer my card was block from any further purchases and the {$1400.00} never deposit into my XXXX XXXX account. I awaited numerous days and currently still waiting and nothing. Ive made several calls to reliacard and they told me I needed to fax verification to them for proof of identity to try and combat fraud. I sent my ID, my passport, my birth certificate and my card ID number right away and it has now been 18 days and I still dont have any access to any of my funds and my transfer was never completed. I have proof of everything. Please help me. I am not a scammer, I am not committing fraud. Im just a mom of XXXX who needs to feed her children and pay my bills. Please help me. My telephone number is XXXX and my email is XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2020-09-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A