Date Received: 2020-07-28
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a notification that my credit score dropped 8 points. When I looked into the reason why, It states that as of XX/XX/2020, my balance with US Bank Home Mortgage increased {$630.00}. I have been in the COVID mortgage relief suspension program since XX/XX/2020. I'm not sure why my balance has increased when I am currently in a program that provides mortgage debt relief.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: retired received a usbank reliacard took me two days to cancel was told to use this web site to report fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80526
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I have maintained several checking and savings accounts at U.S. Bank for roughly a decade. I initiated my relationship with a U.S. Bank XXXX XXXX XXXX that included a U.S. Bank XXXX Visa Card that provided a fee waiver to my checking accounts. In other words, as long as my accounts were in good standing, I was not charged a monthly maintenance fee for my accounts. On or about XX/XX/2020, I received a letter dated XX/XX/2020 from U.S. Bank advising that since I haven't used my credit card in some time, that the XXXX Visa Card issued to me was being closed. Two days later, I received a letter dated XX/XX/2020 from U.S. Bank advising that since my credit card was closed, that I no longer qualified for a fee waiver on my checking accounts and that I would commence being charged {$14.00} per month on my personal checking account. I have perfect credit ( FICO score XXXX XXXX, pay all of bills timely, and do not have any bankruptcies or evictions on my credit report. I am upset that U.S. Bank has implemented a chain of events that have harmed my credit score ( cancelling a long standing credit card account in good standing ) and have removed the fee waiver on my checking account as a result of cancelling my credit card account. I would understand U.S. Banks decision if my credit or earnings capacity was such that it put them at risk during the current coronavirus. In this case however, it is exactly the opposite. I am, and have been a excellent customer, maintain thousands of dollars in my account balances, have excellent credit, and am gainfully employed throughout the coronavirus pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92399
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-28
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: On XX/XX/2020, I contacted US Bank to place a stop payment on charges to my checking account from XXXX XXXX. The representative I spoke with advised me of the {$35.00} fee, and I agreed. The {$35.00} was applied to my checking account. I was under the impression ALL charges from XXXX XXXX would be refused as unauthorized. On XX/XX/2020, a charge in the amount of {$150.00} was withdrawn from my checking account and paid to XXXX XXXX. I contacted US Bank on XX/XX/2020 to request the charge removed from my checking account as I had previously removed authorization for XXXX XXXX to withdrawal from my account. The representative I spoke with understood my concerns, and advised the original stop payment was not done correctly and credited me the {$35.00} stop payment fee. I advised her I did not care about the fee, as I had agreed to it, but I need the {$150.00} back. She reassured me the {$150.00} would be removed within 10 days, and I would receive a form to complete and send back. I faxed the completed form on XX/XX/2020. I called US Bank twice to check on the status of my return. The second call, the representative advised my claim was denied. Please reconsider this decision. I did everything in my power to contact US Bank to remove the authorization and paid the fee to have the payments from XXXX XXXX stopped. If the stop payment was not done correctly or not done for all amounts, I would not have the knowledge as the consumer to know that. I am also very concerned additional amounts from XXXX XXXX could be taken from my bank account. I have had this account for nearly 20 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 577XX
Submitted Via: Web
Date Sent: 2020-07-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
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 debit card from US Bank for unemployment benefits. I never applied for XXXX and I activated the card thinking it was a stimulus card. I want the card deactivated,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19124
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have an account with US bank. I have personal called a few times within the last 3 months and everytime I called every representative would say my credit card account is closed. I recently tried to get an auto and I could not get approved due to this being on my credit report as closed by consumer. After calling multiples times and talking to more than a handful of people, they said my account was closed off wrong and no one could access or help me pay it off for 3 business days. I waited and called back, by then someone said I only owe {$180.00} I questioned it due to my credit report stating I owe {$420.00}. After being transferred to 2 different representatives, the last lady said I owed {$610.00}. I was highly confused and questioned her. She said the late charges are {$420.00} and the principal is {$180.00}. I do not believe my credit report would only be recognizing the late charges and nothing with principal. I have paid in full due to my credit already being ruined by this but I am highly upset and believe this needs to be looked into. I do not believe how much in fees they charged before " closing '' it out wrong. I can say with the most honestest that I will not do my future business with them. I was very young at the time of that credit card and not sure how everything fully worked. I also do not believe they tried to contact me for the funds. I also have a savings and checking account with them, they could have easily withdrawn the funds and helped my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: MY GOAL : remove all funds ( $ XXXX ) from Reliacard to make a home purchase ( a time sensitive matter ) funds are to be placed into savings at my local credit union. XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was 1hr 59mins This is an absurd hold time, how is this allowed as a business practice? 2 XXXX answered at XXXX, he indicated he did not know the process to release funds for withdrawal, I asked for mgr. Placed on hold, XXXX came back and said to do card to bank transfer online via website, up to $ XXXX daily, takes 3-5 days to complete. 3 ) I tried the above, error messages, process does not work 4 ) total call time : 2hrs 24 mins XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was 2hrs 38mins 2 ) XXXX answered at XXXX XXXX, she researched problem, turns out the card to bank transfer is not allowed in MN. Very helpful agent, she escalated, and received approval for me to withdraw XXXX on Friday as it takes 4 days for the request to be processed and the account opened due to security. XXXX also indicated I would need to go through the process again to obtain the remaining funds in the account. 3 ) total call time : 3 hrs 10 mins XX/XX/XXXX 1 ) I went to my local credit union to complete transaction, DECLINED - see attached. 2 ) I went to local us bank location, transaction DECLINED - see attached 3 ) 2hrs 15mins drive time/transaction time at 2 banks only to be declined XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was only 40 mins 2 ) XXXX answered at XXXX, he researched, finds prior reps request, agrees the card should be 'open ' for withdrawal. He also indicates the rep that was supposed to open the card had not done so, and he is trying to find her. More research will be done, and US Bank will call my cell today with resolution. XXXX indicates I can withdraw {$22000.00} when card becomes open 3 ) total call time : 1hr 7mins XX/XX/XXXX the day is done, I don't have my money, and have not heard from US BANK. XX/XX/XXXX called Reliacard at XXXX 1 ) hold time was XXXX XXXX 2 ) XXXX is rep, she worked with XXXX in escalation dept, who tells her money is available today with a XXXX max 3 ) XXXX , same rep, looks up info from prior notes : XX/XX/XXXX, XXXX important date, because I have tried to withdraw my money on that date, also without success. To the point I gave up, and used different money. 4 ) total call time : 1hr 47mins XX/XX/XXXX 1 ) I went to my local credit union to complete transaction, DECLINED - see attached 2 ) 1 hr 10mins drive & transaction time at bank XX/XX/XXXX called Reliacard at XXXX 1 ) hold time 1hr 58mins, until I had to hang up to take a work call XX/XX/XXXX called Reliacard at XXXX 1 ) after waiting 49min, it sounded as though someone came on the line, but nobody answered. Forced to call back, and start waiting again. XX/XX/XXXX called Reliacard at 1 ) hold time 56mins 2 ) XXXX is rep. She also is completely unaware of how to withdraw anything beyond daily limit. XXXX indicates the account was open on the XXXX, but I must not have taken action. Informed her of my declined receipt. She talked to mgmt again, they will submit the request again, however, XXXX indicates, its only a request, not a guaranty, the money should be accessible in 3 to 5 biz days. I ask how am I to find out, she said I have to look at the app or online each day to see if the limit was raised. I told her that was unacceptable, she said that is the process, no other options. 3 ) total call time : 1hr 24mins 7 Calls to Reliacard made over 3 business days 12hrs 39mins total cell phone minutes for the same 7 calls ( NOT ACCEPTABLE ) Call log attached showing corresponding dates/times/length of calls. How is a consumer to spend nearly 13hrs with Reliacard and work a full time job? It is simply absurd to have to spend this much time trying to get in touch with a financial institution to resolve an issue. Please note, I went through a similar experience in XX/XX/XXXX with US Bank Reliacard, on this SAME account. At that time I was also unsuccessful in withdrawing the funds, and was forced to take a larger loan in connection with a large transaction. In XX/XX/XXXX, I also made many many calls. If I need to locate call records for that fiasco I can, however, the current situation speaks for the Reliacard account servicing problems. **Reliacard is/and continues to causing me pain, suffering, and financial hardship. **
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: This is related to the case : XXXX My U.S bank account was closed by the bank on XX/XX/2017 and there was an amount of {$170.00} balance left on the account during the closure. The U.S bank issued a cashier 's check on my name but sent it to my old address ( not sure why ). In the past three years, I called numerous times and also visited their bank at least four times to cancel the previously issued check and issue a new check to my current address but nothing worked. I logged a compliant ( case # XXXX ) regarding the same. They contacted and sent me a letter asking me to visit the branch with that letter to cancel and issue a new check. I did as they instructed but still, I did not receive the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: I received a USBank Relia visa debit card on XX/XX/XXXX for unemployment payments. I am retired so I have not requested any unemployment benefits. The debit card has my name ( XXXX XXXX XXXX ) on the card. I have tried to contact the number on the back of the card but they tell me there is 204 people ahead of me. The website does not give me any way to close the card so I am afraid that some one has filed a unemployment claim in my name to defraud the government. The card number is XXXX valid thru XX/XX/XXXX with the number on the back of XXXX. I have contacted the Colorado unemployment office and filed a complaint. I have not had a invisticator call me back yet. If you have any questions for me call XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Co XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80538
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I'm in the process of refinancing a home. I was overdue on one of my credit cards for the month of XXXX, where the credit card was over 30 days late. I brought the account current prior to the credit card company reporting the information to the credit bureau as late. I was told by a customer service representative that if I pay for it before it reports then it would not show on the credit report, and this was the case. Since I'm in the process of purchasing a home I've been a hawk about monitoring my credit report. For the month of XX/XX/XXXXthe credit reporting agency reported that my account with the credit card was current for the month of XXXX. However, in the month of XXXX the credit card company changed the information that was reported for the month of XXXX. My issue is that in the month of XXXX I began the refinance process and had a clean credit report. So I paid for an appraisal ( {$500.00} ) and to transfer the title of the property that I'm refinancing approximately ( {$1000.00} ). As the refinance process came to a close they bank is no longer willing to refinance the home due to the one late payment being reported by the credit card company ( see attachment ). My complaint is the fact the credit card company retrospectively updated the information, and if they never retrospectively updated the information I would not be out {$1500.00}. Additionally, I was proactive in reaching out to the credit card company detailing the issue on two occasions to no prevail ( see attached letters sent ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32746
Submitted Via: Web
Date Sent: 2020-07-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A