Date Received: 2020-05-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2020 I attempted to Transfer funds to my XXXX XXXX account with my ReliaCard. I called XXXX XXXX just to make sure my money got there and they said the account was closed also that I should get the money back within two days. I called ReliaCard sat on hold with them for three hours in total and three different calls and I still did not get an answer and I also did not receive the funds back in my Reliacard account.Every other service is excellent. This is not a complaint with their company in general I just would like my money and I also have screenshots of the day I Transfer the funds and the hours I sat on the phone.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18104
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: When contacting US Bank regarding several issues I've been having with their XXXX app features the representative I was transferred to from technical support was extremely rude telling me that they've been having these issues for a while they had no estimated time of when the issue would be resolved because it was a low priority for US Bank and he had nothing else to tell me when I called back to file complaint against that representative I was given the runaround today I received the call from a very rude representative from their corporate offices in which he wanted to argue and interrogate and harass me on the phone about issues that I'm having with my account due to their negligence and by their own inventions of their representative and issue they knew about but that wasn't a concern for the bank
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: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My name is XXXX I have a Relia card I cant get any money off my card at all its not right XXXX thats my balance
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70094
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My wife and I bank with US Bank, we were offered a US Bank credit card in XX/XX/XXXX. I accepted the offer. I tried several times during XX/XX/XXXX to log in and set up my account and auto payments. My wife tried and could not, so she called the credit card service number. This was on or around XX/XX/XXXX. The person my wife spoke with explained there was an issue with the way our account was set up with the bank and therefore with the Credit card. We did get that resolved and my wife made a payment, while at the same time setting up auto payment. Due to the issue, the representative my wife spoke with removed the late fee. In XXXX, I received an email stating I had a missed payment, My wife called the customer service department, she took care of the account and verified that the auto payment was set up this time. In XXXX, I received an email from XXXX XXXX stating my credit limit had been dropped by {$5000.00} I called customer service and was told that they could not tell me why. I was told, I should have received a letter, I said I did not and requested a new letter. I had to call back several times to get the letter. Once I did receive the letter, it stated the reason for lowering my credit limit was due to missing 2 payments. Both payments were missed due to errors or issues on their side. On XX/XX/XXXX, my wife called and spoke with 3 different representatives before getting any information. She was told I would have to log into my account and request a credit limit increase. Y credit score already took a hit from my having a lower credit limit, now they want me to request a credit limit increase ; which will also impact my credit score ; without a guarantee, my credit limit will be reinstated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63111
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-28
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I completed a transaction for {$260.00} for the Nevada DMV with my debit card. That day the transaction was posted on my account right away as pending. That night when I checked my account after XXXX that transaction disappeared from the transactions, It was not there not even as pending anymore so I think that the transaction was canceled or voided from the DMV and I transferred XXXX from account ending in XXXX to my other checking account with USBank ending in XXXX ( money never was moved out of the bank ) then that day in the morning my account was showing DMV transaction posted and account ending in XXXX was negative, USBank charged 4 overdraft fees, USBank do maintenance by midnight with the propose of creating with kind of confusion in customer and charge those overdraft fees. This is completely unfair they had that system issues and I made me confused so I transferred XXXX dollars to my other account and they charged 4 overdraft fees. This is the second time that they do this to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2020-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: U.S. Bank is claiming mortgage is in default, but all payments were made timely and accurately. U.S. Bank, without notice, increased the amount of escrow by {$52.00} for XX/XX/2020. After U.S. Bank processed my automatic payment for XXXX, I received a call from a U.S. Bank representative stating that I owed {$52.00} plus {$150.00} late fee. In addition, the representative, even though U.S. Bank had received and processed the XXXX payment, informed me that U.S. Bank had declared my mortgage in default. On XX/XX/2020, I sent a letter to U.S. Bank identifying its failures and requesting remediation. On XX/XX/2020, I received a letter dated XX/XX/XXXX, declaring my mortgage in default.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 210XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
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: I went with my roommate to XXXX XXXX XXXX to help him with his purchase of a vehicle. He needed a down payment, so I allowed him to put the down payment on my own credit card. It turned out that the dealership was very shady, and in the 2.5 months that he had the vehicle never fixed anything on the car, and the car kept having problems and having to go back in for service ( under warranty ). On the last time that it went in for service ( with an appointment ), the repossessed the vehicle. The bank has credited 100 % of the purchase price, but the dealership will not return my calls. I tried to charge this back in dispute since the vehicle which should not of been sold in the first place due to it not being street-worthy had been repossessed and 100 % of the money was returned to the car buyer, the dealership was supposed to refund on my credit card the down payment. The company is trying to say that the down payment was a deposit and deposits are not refundable. At no time did I sign anything stating that this {$7000.00} was a deposit on the vehicle. It was all financed and purchased all at once at the same time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33071
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a US Bank Business Cash credit card in response to a promotion in which I would earn a {$1000.00} cash back bonus if I spent {$10000.00} in the first 120 days. The promotion also stated " your cash rewards will add up fast - especially when you get multiple cards for employees '' I requested 2 cards : one for myself and one for my son who works in the business. I was approved for the cards on XX/XX/XXXX. That meant I had until XX/XX/XXXX ( 120 days ) to spend the required {$10000.00} to be eligible for the {$1000.00} bonus. I spent the following as shown on my first 4 monthly statements : Statement dated XX/XX/XXXX - Net balance {$170.00} Statement dated XX/XX/XXXX - Net balance {$3000.00} Statement dated XX/XX/XXXX - Net balance {$6200.00} Statement dated XX/XX/XXXX - Net balance {$2100.00} The total spent as of XX/XX/XXXX was {$11000.00}, above the required {$10000.00} - On XX/XX/XXXX I called US Bank to inquire about the bonus, they told me to wait a few more weeks. - On XX/XX/XXXX I called again and they told me I should see the bonus in the next statement. - On XX/XX/XXXX I called again and they said they would do an investigation and would send me a letter in 7 days. - Early in XX/XX/XXXX, I received a letter stating I didn't meet the spending requirements. - On XX/XX/XXXX I called again and asked the customer agent to look at my first 4 statements showing the total spending was clearly over {$10000.00}. The rude customer service didn't bother to look but simply told me to refer to the letter. I then faxed in my letter explaining that I'd spent over 10,000 and sent them copy of my first 4 statements. - On XX/XX/XXXX I called again to check if they had followed up on the documents I sent. They told me I didn't meet the spending requirements that I had only spent about {$6000.00}. They told me the {$10000.00} spending requirements has to be under my specific card, it can not be combined with my son 's card. I told them the promotion did NOT mention this. In fact, the promotion ( I still keep a copy ) even stated and encouraged me to get additional cards by stating " your cash rewards will add up fast - especially when you get multiple cards for employees. '' My son works for me and in many cases, we use our cards interchangeably and I'm responsible for all charges under both cards. US Bank did not say the {$10000.00} spending requirement had to be under my specific card in their promotion. Otherwise, I would have done all the spending under my specific card only as my son and I were often together, I could have used my card instead of his. US Bank now denied my promotion bonus. They cited their rules which they did not disclose earlier in their promotion. They only disclose this rule after I already made the efforts to spend {$10000.00} so they would not have to meet the obligation they promised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61244
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I receive my unemployment benefit payment through usbank ReliaCard. On the XX/XX/2020, the bank withdraws XXXX dollars from the account, and they claim that I withdraw XXXX twice on the XX/XX/2020, so they have to refund one of XXXX dollars. When I called, I told them that I did not withdraw XXXX twice that day, I did only one time because there was not enough fund in the account to do that, and I ask them to show me or send me proof that I did that, but they could not. Every time I call the customer agent, transfer me from department to another to find what happened, and I waited for hours, then call dropped from their side.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-27
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: US Bank allowed my credit card charges and balance to exceed my credit limit without my asking them to do so or warning me that I was exceeding my limit. They then immediately reported the over limit status to credit reporting agencies and then on my next bill required the full amount over limit to be included in the minimum payment. I called their customer service and they said they allowed charges over the limit as a 'convenience ' to me and said it was allowed per the cardholder agreement which they do not make available on their website. They are indicating they will charge me a {$40.00} late fee if I do not make the full minimum payment, which I will be unable to thanks to their overlimit and minimum payment calculation practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 916XX
Submitted Via: Web
Date Sent: 2020-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A