Date Received: 2020-07-06
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received a US BANK RELIACARD which is suspicious. Did not ask for it or asked for unemployment benefit from PA. We don't even live in PA. This is a scam or fraudulent activity. Tried calling US BANK Reliacard but never was able to talk to a live person. Please mark them as Scam US BANK RELIACARD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80124
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: My husband and I purchased a home in XXXX and U.S.Bank Home Mortgage bought the loan. In XX/XX/XXXX My husband and I divorced. XX/XX/XXXX I qualified for mortgage assistance program. I was told and have in writing that the only requirements were that I made a payment every month for 4 months and the loan modification would be premiant and I would face no penalties as long as those payments were made. On XX/XX/XXXX ( the month of my final trial period payment ) I received a call stating US Bank needed a copy of my Drivers license faxed to their office. On XX/XX/XXXX I sent the copy of my drivers license along with my loan number via fax to the fax number US Bank provided. On XX/XX/XXXX I received a call stating the copy of my license was never received and I am therefore kicked out of the mortgage assistance program and held responsible for all fees and penalties and possible foreclosure. I asked the representative how to get them the proof that I sent the drivers license, the representative stated it doesn't matter if I had proof that I sent it because they didn't receive it therefore I'm non compliant. No where in the signed paperwork does it state that this is a requirement even though I did send it and have been compliant with all requests regarding the mortgage loan. I have called US Bank multiple times and spoke with different reps all saying the same thing, that because they did not get the copy of the license they are kicking me out of the program. All paperwork and copies requested by US Bank have been sent. I believe this is their way of getting out of making the lower payments permanent and forcing people into foreclosure.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32526
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-06
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: attempted to make a payment through the app and was locked out due to ridiculous security measures. Attempted to pay online and was also locked out of account. Had to call several times to be able to make my payment and now they have reported a late payment on my account. I have had the account in good standing for over five years with never missing a payment and when contacting company, was told they could not help me. I have never received a credit increase offer from this institution and their lack of understanding in the middle of this covid crisis is abysmal. I am irate with the business and ask that they remove the only missed payment from my credit report over over 300 on time payments. I have since payed off my balance on this account and am strongly encouraged by these actions to close the account and never use this institution again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01201
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Elanco Finl svc Was paid and I have been charge twice for the same bill by this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32208
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: I'm attaching a screenshot of the letter sent to my by unemployment regarding my first unemployment check for week ending XX/XX/20 that states my direct deposit was rejected and why. Every check after has been deposited into my new bank but my first check is nowhere to be found. I received a us bank reliacard in the mail and activated it but it did and still does have a XXXX balance. I contacted reliacard who says they cant help cuz they never received any money for .me and to contact unemployment who said to contact reliacard. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70508
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Fidelity Rewards Visa Signature credit card as described in the following webpage : https : //www.fidelity.com/cash-management/visa-signature-card As it states clearly, quote as below : " Every eligible net {$1.00} spent equals 2 Reward Points No limits on total Reward Points and no restrictive categories Reward Points will not expire ''. I never heard of anywhere or was told that the reward points would expire, so I never thought of checking my rewards status, until recently I came across my rewards activity and realized that over the past years a total of XXXX points of mine expired in 6 times. I contacted the card customer service and they told me unused points would expire after 5 years ( which was completely opposite to the introduction on their own website ), and they could not reinstate my expired points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27519
Submitted Via: Web
Date Sent: 2020-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
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 card with USBank was fraudulently charged outside the US ( in XXXX, XXXX ) on XX/XX/2020. USBank has refused to refund the charge. The detail of the charge shows that it was " Manually Entered '' for {$12.00} ( {$16.00} XXXX ). In addition, there is a related " Foreign Transaction Fee '' of {$0.00}. The " Merchant Category '' is " Computer Software Stores. '' The description is " XXXX XXXX XXXX, XXXX XXXX XXXX On - XXXX XXXX Dol '', none of which is anything I have ever seen or dealt with or ordered, for that matter. USBank simply refused to reverse the charge with no explanation. We have never been to XXXX, XXXX. We have never ordered anything from XXXX, XXXX. I certainly have not ordered " Computer Software '' from XXXX ( or at all ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85257
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: On XX/XX/XXXX I call Elan Financial World MasterCard ( XXXX ) ending in XXXX in advance of my XXXX due date to discuss forbearance options as I had lost my job due to the COVID19. Elan Financial offered me a one month waiver of the Late Fees. I have called Elan every month to discuss my situation and inquire about forbearance programs. Unlike the credit issuers ( XXXX, XXXX, XXXX XXXX ) no programs have been available to assist me during this financial hardship. As a result of my inability to make a payment during the global pandemic, Elan has reported my account as past due to the credit bureaus. After the 30 day past due notice, on XXXX I spoke with XXXX and was advised my account was past due 55 days. He was unable to offer any assistance regarding payment options and advised " I am not part of the credit department. '' He then gave me an address to submit a dispute to their offices in XXXX XXXX. I have made nominal payments on the account ( {$110.00} or 1 % of the balance on XX/XX/XXXX ). On XX/XX/XXXX Elan Financial reported my account 60 days past due, further driving my credit score down. During this global pandemic with XXXX XXXX unemployed when we are trying to navigate rent, utility and food costs, banks and credit card companies SHOULD NOT be allowed to do this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: My XXXX XXXX office uses US Bank to collect online payments. Their accounting system sends autogenerated letters, presumably when payment records are not transmitted among the different parties. I received a notice that I had over {$200.00} in payments due to the pediatrician in a letter datedXX/XX/XXXXwhen I knew I had paid several of the bills. The most recent charge was {$79.00} for a visit on XX/XX/XXXX. On XX/XX/XXXX when I opened the letter and saw the stark " will be forwarded to a collection agency '' message, I called to understand the payments ( I had receipts for them ) and a woman named XXXX who worked for XXXX XXXX XXXX hospital indicated only the most recent charge was due. Note that the doctors office typically collects a co-pay and then if there are additional charges after the copay, they send the bill to my home - so between XX/XX/XXXX and XX/XX/XXXX the only bill I received was a " Final Bill Notification '' threatening to forward it to a collection agency if not paid within 10 days. In any case, I made a note of my conversation with XXXX, thanked her and immediately paid the XX/XX/XXXX remaining charges via XXXX 's online portal, hosted by US Bank. A few weeks ago, a letter arrived stating I still owed the {$79.00}. I threw it in the trash because I have a receipt and credit card statement showing that it was paid. Today, XX/XX/XXXX, another letter arrived, dated XX/XX/XXXX, stating that I sill owed the {$79.00}. This is abusive and it is likely due to some bad programming between the customer ( XXXX ) and the bank ( US Bank ). I wonder how many other parents receive these letters and have to waste time calling to confirm they paid, or submitting a complaint to CFPB? It is also a waste of paper. Please investigate US Bank for their threatening tactics and poor IT design/management that results in customer abuse.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60640
Submitted Via: Web
Date Sent: 2020-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-07-03
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: First, let me start with a 'Thank You ' for staff at this agency and their previous help to me to try to open this communicae with some positive energies since your agency for the situations you can investigate does actually get results at an Individual level and in quicker time. I am hearing I must include a note for myself and good spirits that when I was falsely XXXX and XXXX in XXXX XXXX XXXX XXXX XXXX via the us consulate, XXXX XXXX, then XXXX starting XX/XX/XXXX a contrived situation because of XXXX XXXX XXXX XXXX and XXXX XXXX to force me off the land XXXX XXXX XXXX XXXX I was trying to help save I had heard a connection from FTC and something went wrong in that pulling on me although/albeit there were other events occurring simultaneously. A note of thanks for anyone strong and anchored to hear through those periods and help to retrieve good spirits is greatly appreciated. I couldn't keep up alone before, please dump some of these situations on the rich and foreigners invading us pushing all this sick XXXX and let them be pulled-down. I must also please request help against XXXX XXXX on XXXX XXXX XXXX they stole my new XXXX XXXX {$810.00} with extended warranty and {$650.00} minimum base price of the generator directly out of their store. XXXX XXXX refused to take a report let alone do any investigation, XXXX XXXX are XXXX to XXXX XXXX corporate and only repeated back what XXXX XXXX wrote to them, ny state attorney general is corrupt and did do anything, nor did XXXX XXXX. This is just one of the many corruptions allowed against me and other XXXX, XXXX Americans by XXXX lining their pockets, and for the firms/corps stealing from Americans to hand over to XXXX foreign social types to lazy and cheap to do Real Work and are violent to everyone in every land including their own that they infest physically and spiritually pushing their XXXX consumerism social order XXXX through different types of XXXX destroying the quality of life everywhere for everyone. CurrentEvent : XXXX XX/XX/XXXX at XXXX I attempted to make a cash advance in the amount of {$1000.00} from USBANK FOCUS debit card at XXXX XXXX Maryland branch of XXXX XXXX to Deposit to my account with XXXX XXXX to conduct regular business transactions. I had made a cash advance from this card before XX/XX/XXXX COVID 19 situation. I recall two times attempting and I queried the teller Agent what it was stating and he claimed that he didn't know he hadn't seen that screen before and asked of his supervisor. She stated I could go and try to use the ATM but I was not allowed to make a cash advance that something was wrong with USBANK side of transactions. They didn't explain how it couldn't work as a cash advance that I previously conducted but that the card would work from the ATM. I didn't want to handle money through the ATM so I admidt I got angry and didn't attempt using the ATM. According to the USBANK FOCUS debit card updates I viewed yesterday dated from XXXX? XXXX before I called the bank number for customer service, I was within the updated {$1000.00} cash advance limit and hadn't made any transactions for several months. Yesterday, XX/XX/XXXX dialing the number XXXX XXXX option for lost cards, an alleged XXXX employee # XXXX call ending at approximately XXXX claimed he could see that I had changed my pin on the XXXX but had no recorded indication of an attempt for a cash advance from that XXXX XXXX branch in XXXX XXXX Maryland . After querring this XXXX for other options than his extension that this is a severe issue, he told me he sent an e-mail to what he described as tier 2 and I would receive a call from them. He first stated he didn't know when, but then when questionioning him with when he would generate the e-mail and when to expect a call back he stated 1 hour. It's 28 hours and still no response back. I see on the web browser that for two months prior to my search today people have had money stolen from them including federal unemployment money by this bank that the bank is not responding to anyone through any contact method. I don't see this same forum because tab reset your formula but there are several entries including 1from XXXX a news clip in XXXX dated XXXX that these people in Colorado are having issues with their money from Colorado unemployment being stolen by USBANK. Numbers in a automated system that you can't access is intention to steal. They have therefore stolen both state and federal money and their fractional lending corruption needs to be stopped. The government needs to start stepping in with the military to overtake these corrupt businesses and go after the corrupt ceo 's, management, agents, employees, and contractors to confiscate their wealth and this entire banking system and liquidate them and just get the pay directly from the government and save all this headache. I am on a contract now and this company is paying us through USBANK FOCUS debit card so I am deeply scared that I will not get this pay since I can't access the previous funds stated in their automated telephone system. But this then pertains to any other debit card also. Thanks again for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10306
Submitted Via: Web
Date Sent: 2020-07-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A