Date Received: 2020-07-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My card was deactivated by the reliacard due to a mistake on their behalf. They wouldnt allow me to have my refund from a hotel business and thought that they were mistakingly giving me a refund when they were not mistaken. I havent been able to buy my XXXX opera and wipes, food, or pay bills and I am currently XXXX and cant buy my XXXX medications nor put gas in my car to take my children and myself to the hospital appointment appointments. We are in a deep hardship and crisis due to ReliaCard errors. The only best way to avoid being declined in the future is to have my money transferred back to XXXX XXXX and not reliacard. I do not wish to do business with them any longer. I do not want to be their customer anymore. To do so would put my family in another potential jeopardy. I want my money transferred back to my XXXX XXXX where my needs and my families can be met. Please email at XXXX I can reply very fast this way. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15206
Submitted Via: Web
Date Sent: 2020-08-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-24
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: We received a debit card in the name of someone not in our household, but using our address. We have also received a change of address from the USPS regarding this unknown individual. I want this card closed and this person 's name removed from our address immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19067
Submitted Via: Web
Date Sent: 2020-07-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to my local bank branch at US bank in XXXX on XXXX XXXX., I used the ATM drive through to deposit {$500.00}, the ATM pulled all the money in but then shot it right back out but only shooting out {$400.00} and not the {$500.00} I initially put in, so it kept {$100.00}, even the employee I spoke with after the incident stated she saw this on her computer, she saw the error! but I still had to file a claim she could not do anything in the moment to resolve this. So I filed the claim, waited 10 business days to find that the bank was denying my claim! How can they deny a claim when their actual employee saw the error herself in their bank computer system! So someone has my {$100.00} whether it is the bank employees or the ATM people that pick up the cash. This is not okay, I would like an actual full investigation into the ATM itself the ATM employee and whomever handles the cash in that ATM, someone should be held liable for stealing my {$100.00} and it should not be me!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
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: 2020-07-23
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: On XXXX XXXX I made a payment to US bank towards my boat loan in the amount of {$240.00}, however I made the mistake and paid it towards principle. I got a call XX/XX/2020 that I owed {$470.00} toward my payment. So I made that payment of {$470.00}. I also called to have the payment of {$240.00} applied to my monthly payment instead of principle so I could get ahead on payments. They told me they would do that and waived the late fee of {$25.00}. I spoke with a women name XXXX in the collection department that said she would make the {$240.00} as a monthly payment. I did this so I wouldn't owe anything and the collection department would not call me. However XXXX did make the transaction for {$240.00} towards my monthly payment, but also reverse my payment of {$470.00}. So on XX/XX/2020 the collection department starts to call my place of employment asking for another payment because my loan has not been paid on time and my account was in collection. Now I have spoke with XXXX employee ID XXXX and he said that he does not know when my money will be refunded or where it happen to go and can not give me a definite time line on when my account will be brought to current and paid in full loan or get my reverse payment back. So I have spent {$710.00} into this loan and they still have it as I owe money and are calling my place of employment. I have not received the refund that they said was reversed nor have I seen the {$240.00} that they said would apply towards my monthly payment. I can not get any committed answers from the bank. Also when I call and say can I talk to a supervisor they either say I am a Sr banker and I am the supervisor or they transfer me to another person that is not the supervisor. I am currently 15 days late and do not want this to go on my credit report because I am buying a house XX/XX/XXXX and I do not want to lose the loan for this house due to the lack of professionalism that I have experienced with this US bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21060
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Received a credit card denial from US Bank - applied on XX/XX/XXXX. * My annual income is greater than $ 100K * No Liability * All ( 2acrds ) paid regulalry * XX/XX/XXXX credit score of XXXX ( reported by XXXX & XXXX XXXX ). On XX/XX/XXXX during e-application I was told I would be informed of the decision later. On XXXX I received the denial letter ( post date : XX/XX/XXXX ). On XXXX I spoke to US Bank credit depot. i was told the denial was because of too many inquiries in last 24 months. On checking the credit report : There were 6 inquiries in 2 years ( XXXX XX/XX/XXXX - XXXX XX/XX/XXXX ). One of them is by my Apartment Management. One by XXXX ( No loans taken - offered high-interest rate ), One by XXXX ( XX/XX/XXXXXXXX >> Card was denied ). Rest is 4 credit cards in 2yrs. 2 of them closed. Now that US Bank has refused - it adds to another credit inquiry, so the next financial company will deny saying..you have 7 inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: We have two business accounts with US Bank. We received a letter which I can attach that stated they were offering a Special Payment Relief Program. It is to lower interest charges and eliminate late fees and help us repay since we XXXX XXXX XXXX and have been closed due to COVID19. I have called and spoke to 7 different individuals and they are stating they do not have that program. They are currently charging us an interest rate of 28.99 percent which is 9 points higher than before the pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43130
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: My information I written down for my username and password got stolen I dont remember my security questions or any information is there any way to recover my info.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78211
Submitted Via: Web
Date Sent: 2020-08-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: On Saturday XX/XX/XXXX, received via mail, PA ( Pennsylvannia ) Visa US BANK Reliacard. Called company to report fraud, as we knew this was not ours. Wait time to report fraud 6 hours. Called again and automated phone system said, over {$10000.00} was on this card. It appears to be an unemployment, COVID 19, or some kind of GOVERNMENT FUNDS. Called out of desperation XXXX XXXX XXXX, and reported card. They did not want to cancel the card, but gave me another # to US BANK ... .but I insisted they kill this card. They did. Still say I need to report to US BANK ... ..the best wait time so far was 2 hours. I'm sorry but I have XXXX parent, and CAN NOT do this. Did call repeatedly, and finally put in the account # 's on automation line, and it identified owner of account ... '' .NEBRASKA ??? INMATE '' ... ..a prisoner???? So my identity is stolen. I have put freezes on credit ... .with one company asking for it by mail. I discovered another amount of over {$2000.00} on my credit, ( XXXX cell phone ) and I have a very high credit score, and this is not my bill. I have never owned a XXXX Cell phone. Have also contacted XXXX, but says I have to prove that it is not me. The " XXXX '' in my name is not the same. I have contacted my credit union to change all my account numbers. I am scared to death.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 278XX
Submitted Via: Web
Date Sent: 2020-07-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-23
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX I was pre approved for a home loan. End of XXXX I gave the go ahead to proceed. The loan officer XXXX XXXX didn't write anything up right. My out of pocket expenses kept changing. After having {$430.00} removed from my account on XXXX for appraisal, nothing happened. I was assigned to XXXX XXXX. Her customer service was horrible. Would not correspond with me hardly at all. Then after 2 weeks of waiting for her to respond I was notified she was no longer with us bank. I was never notified or assigned to a new loan officer. The appraisal was finally done, but was told that I had to do repairs to the house before the loan could proceed. Im buying the house as is. Its in the contract. I told the loan officer to cancel the contract with us bank. After 3 months I'm no further along than when I started. I'm formally requesting my {$430.00} back since NOTHING is done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 648XX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-22
Issue: Getting a loan or lease
Subissue: Changes in terms mid-deal or after closing
Consumer Complaint: XX/XX/XXXX2020 : I contacted USBank about an auto loan and began the process. -- - XX/XX/XXXX2020 : The online application repeatedly errored out so I contacted USBank by phone. -- - XX/XX/XXXX2020 : I settled on a vehicle and finalized my application. I was informed I was approved for the loan by both a USBank customer service representative, USBank Loan Processor XXXX XXXX XXXX ), and USBank Branch Manager XXXX XXXX XXXX XXXX for a term of 60 months at a rate of 4.59 APR and a payment of {$330.00} for a XXXX XXXX XXXX XXXX : XXXX. Upon arrival at the branch to finalize the loan I was informed the term was changed to 48 months at a rate of 4.34 APR and a payment just over {$400.00}. The branch manager XXXX XXXX XXXX XXXX was unable to contact a processor to revise the loan due to the time. He did contact the dealership which agreed to allow me to take the vehicle that evening with a deposit and collect the check from USBank later in the week after the correction. -- - XX/XX/XXXX2020 : XXXX XXXX contacted me at XXXX to inform me that the bank would NOT correct the loan term as agreed and had decided due to the age of the vehicle would now only approve the 48 months with the higher payment. USBank had already run my credit multiple times as a result of the online application errors and I already had possession of the vehicle with a deposit at the dealership ( not refundable, though I did not ask for an exception ). As a result I felt forced to accept the revised terms ( bait and switch ) from USBank in order to avoid resulting losses and costs. XX/XX/XXXX 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60175
Submitted Via: Web
Date Sent: 2020-07-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A