Date Received: 2020-06-29
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XXXX I received a U.S.Bank ReliaCard in the mail. I never requested this car, have no idea why it came to me. I called U.S. Bank who could not help saying that they were just the issuer of plastic? They gave me a number to Reliacard. I called this number and was on hold for 58 minutes when someone picked up and hung up! I called again on XXXX and was on hold for 2 hour 3 minutes when again someone picked up and hung up! I said I had contacted the company but in truth I have attempted twice to speak to someone with no result. The paperwork that came speaks to the Colorado Department of Labor. I have no dealings with the Colorado Department of Labor so have no idea if they are involved in the issuance of this card as to why. What bothers me most in reading all about this card, it states that I have an account ( do not want it )! Bottom line, I never requested this card nor did I apply for any account. I do hope you can help me with this because I can't get through to speak to anyone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 809XX
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : XXXX : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Issue : Elan Financial Services ( Comerica/US Bank ) reported late payments to the credit bureaus, even though they told me before that I can skip the credit card payments On XX/XX/2020, I submitted a request through Elan Financial Services ( Comerica/US Bank ) online portal saying that I have a hardship due to COVID19. On XX/XX/2020, they replied saying that they will remove the late fees for the next 30 days so that there will be no issues for me to skip this payment. Therefore, I did skip this payment, thinking that they will not harm me in any way based on their reply. On XX/XX/2020, I was shocked to see a late payment reported on my credit report because I already reached an agreement with them and they did not tell me that they will report a late payment to the credit bureau. Also, I would like to add that I have contacted many credit card companies and they waived the late fees and no one reported a late payment to the credit bureaus, I am super angry because they reported a late payment to the credit bureaus without telling me that they will do that. I can attach a screenshot of my conversation, if required. I called them multiple times after I saw this late payment on my credit report, but they told me they can not do anything about this reporting of the late payment. Also, I asked to speak to a supervisor for 2 times and I was hang up on at the 2 times. In one of my calls, they told me that I can dispute to one of their departments about this issue by mail. I did mail this department and they responded to me saying that the information they reported to the consumer reporting agencies is correct. Therefore, I wanted to report them and how untrustworthy they are. I hope that you can take actions against them not just for me, but for many people. You can see the many people that reviewed them badly on XXXX : https : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48044
Submitted Via: Web
Date Sent: 2020-07-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am a victim of Identity Theft. I had an account with US Bank XXXX that I closed. There were unauthorized charges totaling about {$14000.00} made to that account. I have contacted US Bank several times to have the Fraud Department research and have yet to have them resolve my account. This account is extremely damaging my credit scores and preventing me from getting the credit I deserve.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I refinance my home to payoff the current mortgage and the HELOC into one loan. At closing we received a payoff statement that was very vague. The last statement we had showed the principal balance was {$39000.00} as of XX/XX/2020. My refinance paid off the loan on XX/XX/2020. The payoff statement stated the per diem is {$5.00} per day. with this calculation my payoff would have covered 32 days of interest. This would roughly be about {$170.00}. Per the payoff there were about {$92.00} unaccounted for. When I contact US Bank they could not explain the additional fee. I have been waiting for about 10 days for a response and have heard nothing. Also, the HELOC loan and all information is no longer available for me to access thru US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ND
Zip: 58503
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have absolutely no idea what this account is, I have never opened a account with this creditor and want this removed. I have notified my local Police department ( XXXX XXXX county sheriffs ) of these fraudulent accounts and have made a police report ( # XXXX ), also I have taken the proper steps to report these accounts to the Federal Trade Comission ( FTC ) and filed fraud/identity theft reports with them along with contacted my local FBI field agenct office in XXXX XXXX to report these accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91773
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX card inquiry on XXXX XXXX/XXXX inquiry XXXXUS Bancorp inquiry on XX/XX/2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: US Bank Reliacard has told me to contact Louisiana XXXX XXXX, and they RARELY answer the phone, and when they do, and not hang up on you immediately after sitting 2 hours with you waiting to literally hang up in your face. or send another card another card. I have recently gone through 3 US Bank cards, all with a XXXX balance, when my Unemployment has sent me a total of @ {$700.00} strictly unemployment, and about {$2000.00} for the CARES ACT. Someone please solve this conundrum for me! This has gone on for a very long time, and whoever is reading this, please help!! Times aren't exactly kosher at the moment. Thank you, XXXX XXXX XXXX XXXX is the laziest employees I've ever had to deal with on the phone, and US Bank XXXX XXXX is not far behind them, where I wait about 1hr 30 min on average to speak with a human being.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2020-06-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-27
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: I received a usbankreliacard in the mail. Since I have a usbank card I assumed it was an updated card. I called to request a duplicate card for my husband. I spoke with XXXX XXXX from about XXXX to XXXX XXXX on XX/XX/2020. She stated she had to verify my authenticity by entering transations against one of my current credit cards. I objected stating I had never needed to do this. She stated I was niave and she was just trying to serve me and fill my request and proceeded to enter transactions on three of my cards : XXXX XXXX from XXXX ( {$75.00}, {$10.00}, {$25.00}, {$60.00}, and $! XXXX ) XXXX XXXX from XXXX ( {$200.00} ) XXXX ( {$200.00} ), XXXX XXXX from XXXX ( {$280.00} ). The XXXX XXXX would not accept the transactions and I refused to give her anything else. I told her to just stop and remove all the transaction which she said had not been posted and would not be, She would remove all traces of them before the end of the call. I had been complaining about the process and the length of time for ssuch a simple request. She suggested I just hang up the phone and leave her to finish the job and I could just check my computer later. I told her I did not trust her enough to do that. I wanted to see each transaction cancelled. She told me to be quiet and let her do her job. She said she would cancel everything at that point but I noticed she was waiting for a confirmation from XXXX. She did cancel the XXXX charge for {$200.00}. But that was all. Finally she gave up on me. When nothing happened I began to cancel the user interface sessions. She had opened about six of them. When I got to the last one, XXXX XXXX entered XXXX XXXX I have tried to report the fraud to usbankreliabank but the rep went to talk with her supervisor and then hung up on me. I tried to cal back but after 15 mnutes in queue, I hung up and chose to report the fraud to you. Since it seems this is a government relief program, I was confident you would be intrested in preventing this to unemployed people desperate for the help you offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80501
Submitted Via: Web
Date Sent: 2020-07-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-28
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: Yesterday, XX/XX/XXXX, a company fraudulently tried to extort {$3200.00} from me. Then the lady, XXXX XXXX, Supervisor, said I could pay {$680.00} by Monday, XX/XX/XXXX to not be subpoenaed ( with or by ) XXXX County or for me to have to get an attorney and go to court. I do not know anything about this issue. She was threatening me with the attitude, " pay up now ''! Via phone she said this was " reported in XXXX. '' She said they sent letters to me, and I never received any letters she suggested they sent. This was extremely upsetting to me. I obey the law and do not have any credit issues. I am on Social Security. I felt harassed and that she was pushing to take advantage of me. She did say that XXXX. XXXX was a legal firm, and the Creditor was US Bank! She was a fast talker and had me in knots. I did give her my email address, so she could send their letter to me on XX/XX/XXXX. It shows on their letterhead, XXXX XXXX, XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX, phone XXXX. That letter they sent to me via email will not print, and it won't allow me to forward the letter either. Their phone number shows up as TxTag, where people can pay for highway tolls in TX! I believe this is fraud and I.D . theft. Please help stop this fraud against me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2020-07-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A