Date Received: 2020-05-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: This pertains to my Valley National Bank Visa credit card. On XX/XX/2020, I paid my bill, in full, through their electronic portal ( the amount of the payment was {$5400.00} ). On XX/XX/2020, a second amount was taken from my checking account in the amount of {$5400.00}. I did not approve the second amount and asked them to return it to my account immediately. As of today, XX/XX/2020, they have not refunded my money despite almost daily calls to their representatives ( including their fraud department ). The excuses and rationales have varied from person-to-person, but I have gotten assurance that it is " on it's way ''. I no longer want to wait for my money : They have drained my account and caused by an overdraw to my checking account. I have bills due at the end of the month that will require the money to be returned. here is a link to their website : https : //www.valley.com/customer-service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19147
Submitted Via: Web
Date Sent: 2020-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: I was unable to open a checking account at a new bank today because they see I have a balance pending with US Bank. The amount is ~ {$300.00} and has been outstanding since 2015. I do not recognize this and firmly believe this is a mistake. I have called US Bank and spoke to their representatives yet no one is able to provide any explanation as to what this relates to. I have spent more than 2 hours speaking to their representatives and they just keep transferring me between departments. They are trying to charge me {$300.00} dollars without any explanation. Because of this record, I haven't been able to open a bank account and set up utilities in PR.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10019
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
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: Prior to the Co-Vid 19 situation, I booked 4 plane itineraries on two separate airlines totaling {$2500.00}. All 4 itineraries were cancelled by the airlines. I requested refunds and waited 30 days, but did not receive any form of contact from the airlines and my money was not returned. Therefore, I filed three separate disputes with US Bank ( 2 for XXXX tickets, 1 for both XXXX itineraries ) and US Bank credited the amount to my account. However, this week all {$2500.00} was re-charged to my account, and I was charged interest on the amount with no explanation, and no contact from the bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: On XX/XX/2020 US bank contacted my home owners insurance company and assigned a fraudulent mortgagee claim to my property costing me a fee to remove. The loan XXXX did not close due to false information provide by USBank on my loan application, incorrect appraisal and requirements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 520XX
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XXXX XX/XX/XXXX went to the u.s. bank on XXXX and Arkansas put my card into the ATM machine the machine kept my card waited an hour to speak to a representative through the door to advise them of the problem they brushed me off I had to force them to take my name and phone number to recover my card out the machine call the branch manager XXXX XXXX and she threatened me not to approach her XXXX man who showed up while I was in line trying to make a withdrawal with a withdrawal slip instead of the ATM and she threatened to call the police on me because I knocked on the door to get her representative XXXX and XXXX 's attention to let them know of the situation I was having with my ATM card stuck in their machine I have to wait for days which is Friday to get my card back I'm appalled I've had my account for three years this was my first time having a problem with using it ate my card at the ATM machine and I thought it was very unnecessary for them to have to call the police and make threats to me not to approach their XXXX man with my ID to get my card because he was servicing the machine at that time and I do have pictures to show proof of what I experienced today
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2020-05-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I have not had access to my unemployment benefits at all since I started receiving weekly benefits seven weeks ago. My benefits were issued to an old card that was expired and I also no longer had access to either. I have called US Bank Reliacard numerous times over the past seven weeks, each time remaining on hold for a minimum of six hours and twenty minutes. I have been told that they are unable to send me a replacement card because my address in their system is still my old address from 2016. They have told me that they can not update my address and only Louisiana Workforce Commission can update it. However, my address is correct in the Louisiana Workforce system already and has been since I filed my claim seven weeks ago. US Bank Reliacard has also told me that they can not transfer my balance that I have no access to onto another card or account that I do currently have access to as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 710XX
Submitted Via: Web
Date Sent: 2020-05-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have not received confirmation not certified testimony that your offices complied with the FCRA and all its mandated rules when it comes to reporting accurately. Therefore, you are to present to me with a certificate in testimony that the fraudulent accounts present in Exhibit C are in fact compliant and not subterfuge? ( Copied from AFFIDAVIT** ) All items listed in Exhibit B are fraudulent, invalid, inaccurate, not timely, and carry no documented evidence of their existence.To the least, they have not be authenticated as per my requirements as you are damaging my character, creditworthiness and well-being by falsely stating those fraudulent non-compliant unverifiable accounts on my report. ( Copied from AFFIDAVIT** )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-18
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: I have been receiving multiple calls from US Bank, trying to collect on the credit card I have with them. I have told them my situation ( and I have even made a payment within the last month ) and they let me know that they were going to work with me and that the calls would cease for a limited time. Yet, I received five phone calls today alone from them. This has to stop.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-05-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: US Bank systematically is cheating its customers by officially offering a cash bonus in exchange for fulfilling certain conditions and after the conditions are fulfilled by the customer every effort is made not to pay the bonus, particularly and specifically claiming the promotional code " can not be found ''. US Bank twice in a row used this tactics with me, refusing to pay a bonus upon opening a checking and a saving account - even so in both cases the accounts were opened through a US Bank promotional web page with the promotional codes properly entered. About a year ago after opening a checking account and fulfilling my conditions ( direct deposit ) I was told the checking bonus XXXX {$300.00} XXXX would not paid because promotional code " can not be found ''. After exchanging a number of e-mails, additional attempts were made to claim every other condition " was not fulfilled '' - even so they all were, which I systematically proved. XXXX effort was made to avoid the payment and only after repeated complaints the bonus was paid - after delaying as much as possible - well past the deadline stated. That was a year ago. This year, I opened a savings account with a bonus promised XXXX {$200.00} XXXX - and after fulfilling all the obligations ( maintain the balance ) received the same answer - " no promotional code '' and the bonus would not be paid. This bank is taking advantage of the difficult pandemic times to avoid their obligations. Every effort has been made to avoid communication - the phones get disconnected after long wait, customer service hangs up on you, refuse to identify themselves fully ( XXXX, XXXX, no last name, no ID ), do not return calls as promised. I have spoken to a number of people who identified themselves an managers, promised to " investigate '' within 3-4 business days and never did anything, Among them XXXX XXXX ( XXXX ), XXXX XXXX ( XXXX ) - both promised to " investigate '' - no response whatsoever. I HAVE ALL THE E-MAILS FROM A YEAR AGO AND NOW to prove they use this tactics systematically and repeatedly! This information should be made as public as possible so people stay away from this disgusting bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2019 tried logging into my account to pay bills and it said my account was locked and contact number on back of the card XXXX I have been on phone on 2 different occasions for over 1 hour first call now over an hour and 22 minutes still no answer to have my card unlocked so I have no access to use my money while account is locked the card is with US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A