Date Received: 2020-04-23
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I received an offer in XXXX to spend $ XXXX on a card within 120 days and get XXXX points ( $ XXXX ). I spent over $ XXXX - this includes about $ XXXX in spending and $ XXXX in credits, since there were a couple incorrect large charges from vendors that had to be credited, but everything spent and credited on the account happened within the first 120 days. First statement after spending there was no bonus ( within the 120 days ), so I called up and the XXXX XXXX said sometimes it takes an extra statement, but he saw I spent the $ XXXX and would get it by then. Next statement closes, still no bonus. I email them, XXXX XXXX who responds said it's because of the credit. I call up as I know I still spent the full $ XXXX even with credits, first XXXX XXXX repeats what the letter said, but then added all charges up himself and agrees I am correct and should have gotten the bonus. He speaks with a supervisor who says I'll get it within 7 days. A week later, I get a letter in the mail again stating that I did not spend the $ XXXX and thus am not eligible. I call up and the supervisor I ask to speak with first also says I did not spend the $ XXXX, but then does calculations and says I did, but he says he has no power to do anything except submit another request to a department that handles this, and they will send me a letter.I called up today ( XX/XX/20 ) and the supervisor now finally says that the reason I did not get it is because a charge was reversed but then put on an authorized user card instead of my main card. I called up multiple times when it was within the first 120 days and the customer service rep said everything was fine, I spent the {$10000.00}, and I would get the XXXX. Nowhere did they say that it had to be on the main users card and not an authorized user, or else I easily could have put the remaining spending on my card instead of my wife 's. I have never before had an account bonus where all spending had to be on the main user card in my 38 years, and the fact that XXXX customer service agents told me I was ok as well as a supervisor, and it was within 120 days when I still could have spent the money when I called and they told me it is ok, should be enough for US Bank to please make an exception if that is the issue and please issue the XXXX points. I've never had a bank act this way before, and the fact that the customer service agent made an error on this and I could still have spent the money, I would ask that US Bank please keep a business customer and make an exception to post the XXXX points.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07666
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I was getting direct deposit to my bank account for unemployment for the first 2 weeks. It then got switched to a debit card that I was not made aware of. When the card came in the mail I shredded it bc it looked like a credit card that I had not applied for. There was no letter stating what it was for. After I found out from unemployment that was the card with my money I tried on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX to call the bank to get a new one or to have the money transferred to my bank. I have sat on hold from 2-5 hours to be disconnected. I can not get through to the bank via phone or online. As you can imagine this is a hard time and Im trying to get access to my money so I can pay my bills. I'm begging that someone please contact me and help me get access to my money. Thank You.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I receive benefits from Pennsylvania department of labor. Since the beginning I can not register and login on their web page I try for 5 weeks. They have 2 tolls-free number and neither one is working. I could not have a statement, balance, nothing! I just know by test message that I receive some money on the card. that's The service bank is US BANK Are they bankrupt? What is there problem??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 180XX
Submitted Via: Web
Date Sent: 2020-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
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 been trying to work with XXXX XXXX XXXX since XX/XX/XXXX for a correction of late payments that they agreed to correct due to being under doctors care during the months of XX/XX/XXXX thru XX/XX/XXXX. After being assured that all would be taken care of XXXX XXXX XXXX instead reported late to all ( 3 ) credit bureaus. I was advised that, they had no control and refused to honor their promise to remove. I was then advised it was up to me to dispute with all ( 3 ) credit bureaus and I did just that. I have written countless dispute letters for more than a year and no removal. I then contacted XXXX XXXX XXXX on XX/XX/XXXX and was advised that they can't correct the late payments since it has been more than a year. But had record that I had been calling to resolve. I explained that out of good faith, I called and advised of my situation and they did not hold to the agreement. I have been trying to clear this matter for over a year with all ( 3 ) credit bureaus XXXX, XXXX and XXXX and XXXX XXXX XXXX directly. I appreciate any assistance you can provide in clearing this matter. Also, I have been trying to work with XXXX XXXX and Elan Financial Services regarding the same issue for more than a year and to no avail, no action taken place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-23
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: With a promo code FXXXX ( {$200.00} bonus offer ) attached, I opened XXXX Money Market account, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/splash/checking/checking-offer-December19.html The terms of the promotion were : Open a XXXX Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. Though I learned that customers who had opened savings account with the same offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
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: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: With a promo code XXXX ( {$200.00} bonus offer ) attached, I opened XXXX Money Market account with U.S. Bank, with initial deposit of {$100.00}, on XX/XX/XXXX from the following link at : https : //www.usbank.com/XXXX The terms of the promotion were : Open a XXXX Money Market account and deposit {$10000.00} or more by XX/XX/XXXX Maintain a balance of {$10000.00} or more through XX/XX/XXXX The monthly maintenance fee of {$10.00} can be waived when minimum account balance is {$10000.00} As soon as I received an account approval notice from the bank, I set up online account profile, linking external account to this account enabling fund transfers, etc. Finally, I managed to deposit {$10000.00} additionally on XX/XX/XXXX, well before the required deposit deadline of XX/XX/XXXX. On XX/XX/XXXX, I noticed Monthly Maintenance Fee of {$10.00} was charged the day before, even though the account balance was {$10000.00} at that time. I called U.S. Bank and discussed the matter with Customer Service Representative, XXXX. XXXX apologized for the system glitch and refunded the {$10.00} fee immediately, stating that this would not affect my {$200.00} bonus eligibility. And I asked XXXX to note on my account about her assurances. Though I learned that customers who had opened savings account with the same promotional offer received {$200.00} around XX/XX/XXXX, no bonus had posted on my account. I contacted U.S. Bank and spoke to XXXX ( Ext # XXXX ) about a missing bonus. XXXX submitted a manual processing request for me and provided me with her extension number as a proof. I contacted U.S. Bank again on XX/XX/XXXX, and discussed the missing bonus with XXXX. XXXX filed a Request Form for Promotional Offer for me. However, I have yet to see the bonus posted on my account ; nor have I heard from U.S. Bank, despite my repeated attempts to resolve the matter. Furthermore, I read online postings showing that customer who were in the exactly same situation ( {$10.00} maintenance fee charged for first month but waived thereafter ) also received the {$200.00} bonus one way or another. ( Evidence to be furnished upon request ) Therefore, I request that the {$200.00} bonus should be posted on my account without undue delay!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93955
Submitted Via: Web
Date Sent: 2020-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I was told to call my unemployment us bank card about my funds and I got no respond back. Now, I email the unemployment about my bi-weekly claim and they told me to call the card. Which I been trying all day & yesterday about my funds. I had went online and XXXX keeps saying this card not even activated but I do have a PIN number. The online system isnt responding my request. I been calling all morning about my issues about this card. I need my funds. Every time I call it back the line is busy. Or it just hang up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/20, I tried using my U.S. Bank XXXX to complete an online transaction. The transaction read as invalid card. I tried to withdraw funds from the ATM and the card automatically read as invalid card. I received this card on XX/XX/20 and completed the activation. The card had funds available and worked fine. I have {$1400.00} available on the prepaid card as of XX/XX/20. I am unable to access them and there is no reason why. The customer service number on the back of the card gives a busy signal each time I dial out. There is no one to offer assistance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72118
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Getting the loan
Subissue:
Consumer Complaint: I APPLIED TO USBANK FOR A XXXX LOAN. THE PORTAL IS BROKEN FOR MY APPLICATION AND IS NOT LETTING ME PRODUCE DOCUMENTS NEEDED TO BE ACCEPTED FOR THE LOAN. I EMAIL THEIR SUPPORT EMAIL ADDRESS WITH DOCUMENTS AND GET RESPONSES THAT DO NOT HELP WITH MY APP. THEY TOLD ME TO REAPPLY FOR THE APP BUT SIMPLY THE PORTAL DOES NOT WORK FOR MY ACCOUNT AND THERE IS NO ONE WILLING TO FIX IT. THEY KEEP EMAILING ME THAT MY APP IS MISSING DOCUMENTS BUT DO NOT TELL ME WHICH DOCUMENTS ARE NEEDED, INSTEAD THEY GAVE ME INSTRUCTIONS ON HOW TO GET INTO PORTAL, BUT PORTAL IS NOT WORKING AFTER FOLLOWING INSTRUCTIONS. I SENT IN XXXX T, XXXX XXXX XXXX, BANK STATEMENTS, DRIVERS LICENSE, CODES TO UNBLOCK MY CREDIT AND CODE TO BE ABLE TO DO A BACKGROUND CHECK. EMAILS HAVE STARTED SINCE XX/XX/XXXX, HAVE OVER 30 EMAILS BACK AND FORTH.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92037
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-22
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have a tax return from DC for {$510.00}. I received a reliacard in the mail that was thrown away due to my expectation of a check form of payment and assuming it was an advertisement. I have called 2 numbers for usbank reliacard and have not been able to speak to anyone due to the call hanging up on me after 45+ min of waiting. I have been calling these numbers for the last 1.5 weeks. I need a replacement card sent to me. Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2020-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A