Date Received: 2020-09-08
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I had credit card fraud, for {$68.00}, I called cardholder services reliacard # asap. I was on hold for an hour. Finally spoke with someone, however, everytime I got a rep on phone, I was either hung up on by accident or disconnected. 5 hours on hold everytime I call! If course, they cant call you back, so you have to start all over again. Before they inactived my card I said let me go to atm & get the money out. I did, then went to food store & by the time I got home, another fraudulent charge occurred for {$110.00}. I called & they inactived my card & sent me another card. A week went by & I have utility bills that need to be paid. I had {$420.00} and I went to use it & was declined again! I check the app & now I was fraudulently charged now, {$100.00} 4 times!!!! I was wiped out!! Got new card & without any notification, it was inactived & without any notice or instructions sent, I was to send by fax only, Drivers license for ID, social security card & W-2 form. I had no money so I could use a fax machine at an office supply store. I had {$2.00} left on another card. I faxed 3 forms of ID. I was told it wasnt legible. It has been XXXX! I was robbed, fraudulently charged {$600.00} & I can't take out the money I have on my card! I'm stuck! I finally found a fax machine h sent 3 forms of ID & all the documents that was mailed to me in order to investigate these charges & get my money back! No notifications that they received my fax & everytime I call, I'm on hold for an hour. To then get no help & hung up on again! I haven't eaten in 2 days. I have no money!!! I lost my XXXX because of this Pandemic & this card is the unemployment $ being sent. It's only {$170.00} & I have no way to find out any information on the status of ANYTHING!! I have to call & wait an hour & pray XXXX dont get hung up on or disconnected. THIS MONEY IS TO HELP US & I WAS ROBBED & I FEEL LIKE IM BEING PUNISHED! I HAVE NO ANSWERS & I WANT TO TAKE OUT MY MONEY BECAUSE IM STUCK NOW! I HAVE NO FOOD. CAR INSURANCE WAS CANCELED BECAUSE I COULDN'T PAY THE BILL!!! HELP!! I AM GETTING NOWHERE CALLING RELIACARD CARDHOLDER SERVICES XXXX XXXX XXXX FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19047
Submitted Via: Web
Date Sent: 2020-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
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/2017 There was a cash advance in the amount of {$4500.00} taken from my credit card without authorization or without my presence of being there. The location where it was taken was US bank off XXXX XXXX XXXX in XXXX ca
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I lost my job in XXXX, XXXX and did not find new employment until XX/XX/XXXX. When I resumed working I contacted my lender and we worked out a repayment plan for me to catch up on the payments I was behind. I attempted to apply for a permanent loan modification to catch me up and enter into a stable payment. I was told my hardship was not resolved however I was back to work and it had been resolved. I hired XXXX XXXX Firm to negotiate with my lender a modification. On XX/XX/XXXX I contacted my lender and was put on the CARES forbearance plan due to my income fluctuating while I adjusted to the new restrictions. On XX/XX/XXXX I again spoke to XXXX XXXX and my income had become stable. XXXX XXXX called and spoke to XXXX ID XXXX who advised that the past due would automatically be deferred and I could begin my prior payments in XXXX. The legal assistant was told that I would have to call because a third party could not take me off the forbearance and move forward with the deferral. I called and was told that I needed to send a full loss mitigation package. I had applied and received a homestead tax exemption lowering my payment about {$1400.00} annually. I was told that I would be able to get a deferral and start paying again and now the process may take months increasing my debt. my servicer told my representative something but had me call to offer me something else and I was mislead and given inaccurate information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 335XX
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank continues to put a hold on my account and my Dedit card since XX/XX/XXXX. On XX/XX/XXXX, and as per US Bank request I sent them a FAX containing copies of my Drivers ' License, my home electric bills, and my cell phone bills as identity verification, then they released the hold for the first time. On XX/XX/XXXX, I started to perform my first transactions, it was 2 online transfers from my US Bank account to my XXXX Personal Checking Account. The first transaction was a {$2000.00} transfer I performed at XXXX XXXX, and the second transaction was a {$500.00} transfer I performed at XXXX XXXX. US Bank only cleared the second transfer of {$500.00} on XX/XX/XXXX but hold the {$2000.00} transfer, hold all my account balance, and deactivated my debit card. And this {$500.00} transfer was my first and last transaction that US Bank processed to my account, as the bank continues to hold my money for unknown reasons. On XX/XX/XXXX I called them again at their phone number XXXX, and after a more than 1 hour and 15 minutes waiting, they answered my call, the US Bank 's agent stated that they need me to FAX them a copy of my Driver 's License to release the hold placed on my account and card. I informed her that I have already Faxed it to them, she said I must send it because it is not in file. On XX/XX/XXXX I faxed a copy of my Driver 's License and a letter ( attached ) to US Bank asking them to release any hold placed on my account, but the hold never been released. I called US Bank today XX/XX/XXXX to check my Card/Account 's status, the US Bank agent confirmed that I have to wait from 10 to 15 business days from today for the hold to be released. I believe that US Bank is violating the Federal Reserve Regulation CC for Funds Availability, giving me a really hard time through this Pandemic, and hold my money for almost 2 months and a half for unknown reasons.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19149
Submitted Via: Web
Date Sent: 2020-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have contacted US Bank, filed CFPB complaints, starting with charges by " XXXX '' to my account. These transactions have been typically {$4.00} - sometimes more than once a month. I reported this last year, this year, last month, this month to US Bank. US Bank responded saying I reported this to them. US Bank stated " our fraud department would be in contact with you ''. No one has contacted me. Yesterday, another " XXXX '' charge appeared on my account. I am on hold now with the " US Bank Fraud Department ''. Have been on for 15 minutes. I see two charges from " XXXX XXXX XXXX '' on my account. I live and work in XXXX, CO. I do not know anyone in Oregon. Against my wishes, I will now have to cancel this account, which will cause direct payments from my account with valid organizations I have chosen, to be re-done with new card information. I demand a satisfactory reply from US Bank on my previous fraud complaints. I show no refunds made to my account. I show no refund of overdraft charges. I show no assistance from US Bank at all. Yesterday, I stood in line outside the US Bank branch at XXXX and XXXX XXXX in XXXX, CO. As I stood there, I spoke to one old woman who had called that morning to find a branch which was open in the XXXX area. She was told there were 2- one off XXXX XXXX , and one off XXXX and XXXX XXXX- She arrived at the XXXX branch to find the computers were down. She arrived at the location I was at to stand in line again. She had been at this for 3 hours that morning. When I got inside, there were 7 teller windows, but only 3 tellers. US Bank has shut down branches all over XXXX, and the only one open on XXXX is staffed by 3 tellers? Undeniably, US Bank is one of the worst banks in the United States. XXXX XXXX, XXXX CO XX/XX/20
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I purchased a XXXX card and loaded {$500.00} on the card. I opened the package, and the glue inside holding the papers to the card would not budge, so I had to use my key to get it off, and in doing so I scratched the stripe on the card, and I also scratched on of the 3 digits included int he CVV code. I called their customer service number super frustrated, but they were able to replace the card and stated they would mail me one out. They did, but when I got my card there was over {$92.00} missing out of mt {$500.00}. I live in XXXX, AZ, and the charges were all in the state of Colorado. Apparently my original card was still active, and I was told not to toss it, so I still have it. I activated my new card and called their customer service department. I held for over an hour and a half only to be spoken to with disrespect, and a lack of empathy. I do not understand how they can get away with this. After researching their company, I found tons of customer 's who have been through the same. I was told to mail in a dispute form and pictures of my DL just to get my money back. I am doing that, but I am filing this complaint to ensure this company does what is right and research this claim and loads my funds on to my working card ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The card said to register for online order. I did so. Then the card did not work. Now the website for help and to register the card does not work and the phone number only says there will be an extraordinary wait time and hangs up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 411XX
Submitted Via: Web
Date Sent: 2020-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Getting the loan
Subissue:
Consumer Complaint: I paid {$800.00} for a {$5000.00} loan. {$200.00} was for ppi registration, {$600.00} was for interstate fees.now thay want me to pay {$400.00} for XXXX XXXX transfer fee. Start date XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-09-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-06
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: o On XX/XX/2020, I returned from out of town trip and found a US Bank debit card ( XXXX XXXX XXXX XXXX ) in my name, waiting for me in the mail. I never applied for or requested this card. o Called US Bank to inquire about why I had received this. The rep apologized and said she was immediately deactivating the account. She said she would send written confirmation that the account had been closed. Furthermore, she told me they had seen a lot of this and that it was likely I was a victim of identity theft. She advised I file a police report and file a complaint with the FTC. o Called the FTC and spoke to a rep who suggested I go on their website to file a complaint and use their online tools to deal with the possible identity theft. I immediately did as she advised. o I applied for free credit reports from the three credit agencies. XXXX and XXXX allowed me to complete the process online and provided immediate reports to me. I was not able to do this online with XXXX and had to call to order a report. The reports from XXXX and XXXX showed no unusual or unrecognizable activity. There were no inquiries from US Bank. o I sent, via USPS, letters & forms to the three credit agencies requesting that they place a 7-year fraud alert on my account. I sent a copy of the FTC report along with these requests. o I sent, via USPS, a letter to US Bank, as advised by the FTC online ID theft management tool. I requested they send me written notification that they had erroneously opened an account in my name and that they had closed the account. As of XX/XX/2020, I have not received the requested written documentation from US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2020-09-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-05
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1 ) please see CFPB case XXXX 2 ) US Bank has now deducted an ADDITIONAL mortgage payment from my checking account that I NEVER approved, one on XX/XX/XXXX, the other on XX/XX/XXXX. I would NEVER approve an additional mortgage payment and instead I make ad hoc payments when I can to PRINCIPAL ONLY. 3 ) US Bank appears to have geri rigged my account to justify the missing money they mysteriously took from my checking account. Please see CFPB case XXXX 4 ) When I called them to resolve, they kept telling me that I could resolve the issue by simply making a standing additional payment. Firstly that is NO SOLUTION to this issue. Secondly, I CAN '' T do this because I don't always have money to make an additional payment AND because I have had numerous issues with their improperly putting such payments towards my mortgaged despite being clearly stated on the checks that the money is for principal payment only. Please see complaint : XXXX What is wrong with this bank?!! They are incapable of handling people 's money!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06437
Submitted Via: Web
Date Sent: 2020-09-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A