Date Received: 2020-06-01
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: This is a card supplied by Texas Workforce Commission. TWC ( I believe ) has added assets to the card already. I received the card, attempted to create a new account for online access. https : //www.usbankreliacard.com/ site says my account has been locked and I must call the number provided. I did call the number, was on hold over an hour, agent answered, call disconnected. I called back, on hold over an hour again, gave up. I called US Bank directly, was told they offer no support for the Reliacard that my only recourse is through the Reliacard division.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75189
Submitted Via: Web
Date Sent: 2020-06-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Fraud or scam
Subissue:
Consumer Complaint: Hi, I utilized the XXXX XXXX offered through my bank & like many others who thought that since this service is backed by their bank it was legit. I found out the hard that neither XXXX, UsBank or any other bank will help their customers when they are scammed of their hard earned money. I had wired {$800.00} as a deposit to a company name XXXX thinking I was putting a hold for a pup I had found through their website. I realized I had been scammed as my computer came across the same company & people who claimed they had done the same thing I did and they never heard another correspondent from these individuals claiming to be a legitimate company. After several follow ups with my bank regarding my claim & that through their investigation that the transaction was requested by me, therefore, my claim was denied. I'm realizing that my bank did no investigation other than this was an open & shut case as they never asked for any documentation I may have received to claim that this transaction obviously was a fraud/scam. I have the one thing via email from this company stating what my {$800.00} was wired for which was for the deposit of the pups. I did note that this company at the end of the email that they sent had no name addressed at the bottom. The name given to me by the sales rep of this company I made the transaction to is XXXX XXXX whose bank was XXXX XXXX..please beware as I'm sure this individual closes his/her account & phone numbers as soon as he acquires your money just as he/she did mine. This is a fraud/scam by a group of people & it's sad that there are never held accountable for what they do & no matter how much information that people who have been scammed give to the bureau of protection..these criminals are off & stealing millions from Americans. What worse is the banks no darn well who they do their business with in their establishment & guess what ... they have my {$800.00} & so many others money in their bank!!! I'm very disappointed at USBank & other banks who offer this service & then wipe their hands clean when their customers are ripped off. They don't tell you the important details to protect their clients. I was even told by a USBank fraud rep during one of my many follows- up regarding my claim that " the bank doesn't care who did the fraud but, are more concerned if I'm the one defrauding them! '' ( I know the banks record every conversation ). I couldn't believe my ears & how infuriated that made me as I have been with my bank for years!!! There needs to be some accountability from the banks, from XXXX or any company who have these types of services offered! Below is the attachment of the email I received from this so called company I made a transaction with : Payment Confirmation for your recent purchase. Mon, XX/XX/2020 XXXX XXXX XXXX XXXX XXXX XXXX XXXX To : you Details Dear Client, We wish to confirm that payment for your teacup puppies ( XXXX XXXX XXXX ) amounting to {$800.00} has been received, your information has already been submitted for the processing of the change of ownership documents. Your delivery information will be subsequently submitted to the delivery sector for flight reservations, as soon as that is completed you will receive an email update and a follow up call with details about delivery such as the flight itinerary, the tracking number and all necessary delivery information. Thank you for your business. XXXX XXXX XXXX. Website link : XXXX XXXX XXXX The management.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60659
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-31
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Usbank gave me a three month grace period but now I see a foreclosure letter being sent out by USbank. Please advise. Thank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77338
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: US bank has failed to provide any assistance to waiving interest due to job loss due to covid-19 or waiver of payments. They expected me to pay a minimum payment of {$780.00} in XXXX and I filed a complaint with the XXXX as other credit lenders has resources for those who have lost their jobs due to covid-19. US Bank has also failed to honor the Cares act by reporting inaccurate information on my credit reports. Inaccurate balances and inaccurate payments owed that do not reflect covid-19 assistance. Additionally I would like the fees for the checking account removed as a courtesy as I havent been working and would like the checking account closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: This particular account situation that is lately filing on my own credit document has a seriously unfavorable relation to my personal ability to obtain a present loan application. I highly recommend you generate verification that Credit Union has been reported completely in accordance with the Fair Credit Reporting Act regulations, it's really a serious problem to misreport. More confirmation of the aforesaid item too. My proper request must over, I was never 120 days late in any of my payments and I'm not greatly tuned in to the date opened so I prefer to ask you be investigated as soon as possible and confirmed to be correct. Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89178
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My mother passed away in XXXX of XXXX and willed the house to my sister and I. My sister and I agreed on a plan to pay-off the house. Unbeknownst to myself she stopped paying the mortgage for a few months and the balanced skyrocketed. Since the beginning US Bank Home Mortgage has dropped the ball. There was a whole debacle in regards to successor in interest which was proved, but each time they called they insisted on asking for a deceased person even though I provide my name and contact info and let them know my mother was deceased yet they continued to call my phone each time and ask for her. I was told they couldnt speak with me after wasting my time calling me and asking me to verify information because they didnt have the proper information documented or trained their call center properly. I sent in a payment of about XXXX back in XXXX to bring the balance current and to finish paying off the loan. They rejected the payment on the grounds it wasnt sent the right way, yet and still I sent the money western union quick collect. It was a total fiasco, because the money got held up for additional time which in this case time was of the essence yet there was a total disregard for the consumer or the fact that interest and time was running up and wasting away. I decided to give up. So, about a month ago they started harassing me again being that the house had went to into foreclosure. This caused me XXXX XXXX and XXXX and made me XXXX. I decided to give it one more shot. I call around the XXXX and XXXX of XX/XX/XXXX and requested how much it would be to pay off the foreclosure which I was lied to because like I said these random unknowledgeable people they hire that are learning on the fly about the rules and regulations because NO ONE knows whats what and is constantly transferring you to the wrong department thats always closed anyway. Anyways, I was emailed what I was told would be the payoff amount the amount that would be needed to clear the debt, but when I called back just to double check because the language of the letter was ambiguous and again none of their call center reps know whats going on and low and behold I was told that what I received was NOT a payoff quote, when that what I specifically asked for but the reps on the line XXXX, XXXX, and XXXX all told me I was lying after reviewing the phone call and would not let me listen to they call because I know what I requested ; what would be the point for anything else. I can tell they were passing the phone to colleagues etc. just to get me off the phone per usual. Id like this company investigated for their policies and practices. Id also like a full investigation into what is going to be done versus keep trying to pass this fault off on the consumer. Whos going to hold US Home Bank Mortgage accountable? Something needs to be done starting at the top all the way to the bottom because in a situation with a mortgage it needs to be taken more seriously instead of hiring a whole bunch of half trained underpaid people that dont care about what theyre doing. It is absolutely ludicrous.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have business credit card under my company name, XXXX XXXX XXXX XXXX XXXX, with my wife and i being employees. The combined billing account for both of us is used to bill all the purchases done by us. The commercial made by us bank is required total spending {$4500.00} in 150 days from opening day. We paid total {$7000.00} plus in the 150 days limit, but us bank refused to give me the {$500.00} reward because they only look at individual employee, not the company spending made by the company. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: XXXX XXXX gave me prepaid card it stopped working after 2 days.it is literally impossible to each via phone or online the prepaid company.viaphone puts you n hold an hour than hangs up on you. online system keeps tellin me to call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97471
Submitted Via: Web
Date Sent: 2020-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-29
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I purchased my home XX/XX/XXXX during XX/XX/XXXX when the federal government shut down I was unable to pay my mortgage so the federal government ordered that mortgage companies couldn't report adverse reports to the credit bureau because people couldn't make their payments so the mortgage holder put me on a forbearance and stated " they wouldn't report me to the credit bureau for missed payments, LIE they reported me and when I applied for a new mortgage to purchase a new home my credit score went down tremendously, so again this year when the COVID-19 pandemic occurred there was another law that mortgage holders couldn't report any bad information about payments but again my mortgage holder is reporting me as being LATE which adversely affects my credit score. I have the document showing that I have no payment due from XXXX, XXXX AND XXXX. I was promised on numerous occasions that the forbearance wouldn't affect my credit and that I would be reported as 'paying as promised ' and paying on time. even by my relationship manager that is handling my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20602
Submitted Via: Web
Date Sent: 2020-06-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a cash advance balance on a US Bank credit card as well as a purchase balance at a lower interest rate. Each month after paying at least the minimum payment the cash advance balance has been increasing month over month despite the fact that I have not taken any new cash advances. I called on Thursday XX/XX/2020 to complain about this unfair practice which effectively increases the interest rate on my overall outstanding balance every month in violation of the Fair Credit Billing Act specifically 15 USC CHAPTER 41, SUBCHAPTER I, Part D : Credit Billing 1666i1. Limits on interest rate, fee, and finance charge increases applicable to outstanding balances which states that " ( a ) In general In the case of any credit card account under an open end consumer credit plan, no creditor may increase any annual percentage rate, fee, or finance charge applicable to any outstanding balance ''. The representative explained that the increase in the interest rate on my overall outstanding balance on the credit card was happening because US Bank 's policy is to apply the cash advance interest charges to the cash advance balance and then apply the minimum payment to the lowest interest rate balance first which causes the cash advance balance to increase every month despite the fact that no new cash advances have been taken. It is my contention that US Bank 's policy is in violation of Federal law since it has the effect of increasing the overall interest rate on my outstanding credit card balance each month. After checking my statement with another credit card I have with XXXX XXXX XXXX on which I also similarly carry a purchase balance as well as a cash advance balance at a higher rate I confirmed that they do not engage in this unfair and arguably illegal practice as US Bank does. Despite explaining the issue to US Bank at length and informing them that their unfair practice was likely a violation of the Fair Credit Billing Act they steadfastly refused to change their policy to conform with Federal Law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 951XX
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A