Date Received: 2020-08-09
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 recently received an unsolicited US Bank reliacard prepaid debit card in the mail. I have not claimed government benefits nor did I sign up for one at work. There does not appear to be any way to contact the company directly to inquire how they received my information to open the account as I will not activate the card, therefore I have no account information to give their automated system. Nor do I trust the any of the information materials included with the unsolicited visa card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85730
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
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: My credit cards and debit cards were used for cash advances at XXXX XXXX in XXXX ca for over XXXX. U.S. Bank will not look further into the transactions because they state the embargo chip was present during purchase. My cards are unsigned and voided and the merchant still took them against VISA regulation 1.4.3.4. I spoke to the merchant and even did a test transaction with a someone elses id, and signed no and they still gave me XXXX dollars. Blatant negligence in protecting the consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92071
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
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: I was shocked when I reviewed my credit report and found late payment on XXXX - XX/XX/2019. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: An unemployment claim was opened in my maiden name fraudulently by someone other than myself. I attempted to contact Az UE to report the claim as fraud. I was unable to speak with a representative. Therefore, I wrote in bold print on the eligibility letter " THE CLAIM IS A FRAUDULENT CLAIM '' and cut up the XXXX debit card and returned the letter and the card back to the Unemployment Office on XX/XX/27. I also reported the claim as fraud online. I have yet to hear back from Unemployment. Today I received a debit card from U S Bank RellaCard. After some research I've learned this is also a debit card to receive Fraudulent UE benefits. I am spending tireless hours trying to report this to the right people and prevent the claim from being paid. How do I get my name and SSN flagged. Please advise ... ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85286
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: In XX/XX/2020, I product changed my two credit cards with US Bank to different products and a month later I noticed that US Bank reported the recently product changed cards to XXXX as separate accounts which made my report show four US Bank accounts even though I only have two accounts with US Bank, after a series of failed disputes with XXXX my report is currently showing two US Bank accounts that represent the same account as the old and new product while the second account disappeared completely from my report. I am attaching a screenshot of my current report which is showing the same account listed twice. To illustrate the current account ending in XXXX was product changed and used to end in XXXX and both are showing separately on XXXX even though XXXX shouldn't. The second account ending in XXXX is not being reported which it should.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93312
Submitted Via: Web
Date Sent: 2020-08-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I have applied for refinance of my primary mortgage for 15 years on XX/XX/2020 with XXXX XXXX from US bank. They did a rate lock which was to expire in 3 months. They took initial deposit of {$390.00}. They collected some documents from me but did nothing, their loan office XXXX XXXX XXXX, just put me on hold for hours together while talking to someone else. After 4 months of doing nothing with my application the loan officer finally said that they have fired their Underwriter who was incompetent and now my loan application will move faster. I asked them to refund my {$390.00} so that I can get my refinance application somewhere else but they refused to refund the money. The lock period expired and the rates went down considerably but they refused to put another lock for lower rate. Now I am in this limbo where I do not know what I can do? The consumer should not be made to suffer if US bank choose to hire incompetent employees who can not do their work.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 015XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Around XX/XX/2020 I received an unsolicited debit card from US Bank, in violation of law. On XX/XX/2020 I sent a certified mail to XXXX XXXX, in XXXX, FL XXXX to request the cancellation of the card. I did not activate the card. I suspect that someone else is trying to open an account under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80111
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: i appliled for a credit card 6 weeks ago to start building up credit never got the card called my bank and they said they never sent out a accpiltion for me to sighn up for one they said it sounds like fraud it apread it was from my bank but it wasnt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 814XX
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: usbankfocus will not allow me to activate my card and locked my account. they say my card was not registered by my employer but i checked my companies website and my information is there.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20601
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Struggling to pay your loan
Subissue:
Consumer Complaint: I filled a complaint on the XXXX regarding US Bank not assisting me with my payments, and they slapped on a late fee as retaliation and have not responded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94583
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A