Date Received: 2020-04-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I am a XXXX XXXX in severe financial distress due to Stay at Home orders. I have filed all relevant SBA and FEMA applications with my bankers. In the course of contacting my personal creditors, I contacted US Bank regarding our XXXX XXXX XXXX MasterCard. They indicated I do not qualify for their Covid-19 relief program because of late payments. I have paid all of my payments on the due date or one day before via ACH on their website for years. It turns out, the don't post payments made via ACH on their website for up to 1 business day and always after the weekend. I had no idea I was racking up late fees while paying on time. I am incensed in frustration to discover they were " floating my payments '' to my detriment and charging me late fees. They are now using that as the disqualifying reason that they will no extend me the payment deferral that every single other creditor ( dozen plus ) has extended to me including tier 1 and tier 2 credit cards and banks. This is at least an abuse of their treatment of payments to their benefit. It is a worst a slap in the face to me as a business owner in legitimate distress. This is a matter principle. The payment that they would defer is only {$66.00}. And yes, that {$66.00} matters to me this month by never mattered enough in the past to even notice the egregious late fee policy. Again this is a matter or principle. If they are doing this to me then they are doing it to millions of patrons who think that a ) paying their bill on the US Bank Website on its due date is paying as- agreed ; and b ) they are refusing to offer relief when it is most needed. Moreover, their agent on a recorded calls demanded that i pay the {$66.00} that I was not able to pay in XXXX ( when I could not get through on the phone to them after five days of trying ) and that if I paid that {$66.00} then I the payment deferral program would be extended to me. I want the call recording pulled and staff held accountable. The supervisor was self rightous at best and implied that if I had been a reliable customer, then they would have offered me the program. I have been shopping at XXXX since it opened. I have been a US Bank XXXX card holder for many years. I had not Idea i was getting stuck with late fees for paying what appeared to be on time and only would have realized it if it ever showed up on my credit report ( which it never has ). They are splitting hairs and charging material inappropriate fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98107
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I usually would have my cards secure but have been homeless for two yrs with no address for a new card the last time i had a child support card would be 2011 so am wondering why i havent been able to get a new one. Also where do i find the balance of the amount on my old cars
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 553XX
Submitted Via: Web
Date Sent: 2020-04-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: The Bank Workers are not trust worthy. U.S. Bank inside XXXX XXXX in XXXX. And Also U.S. Bank on XXXX XXXX & XXXX XXXX. I am sorry for Banking with U.S.BANK AFTER ALL. CROOKED WORKERS ARE REALLY DECEITFUL WITH MY CHECKING ACCOUNT. information PROVIDED THROUGH MY MONTHLY STATEMENT ILLICIT AND CONSTERNATED BADLY. BY WAY OF REINSERTED INFORMATION HAS BEEN DONE PREVIOUSLY BEFORE. WHEN I WALK UP TO ( ATM ) MACHINE TO CHECK MY ACCOUNT BALANCE. THE WORKERS ADDED UP TO {$7.00} DOLLARS CHARGED. THIS IS RIDICULOUS, CROOKED TYPE OF INDIVIDUALS WORKING ON MY BANK ACCOUNT. I'V NEVER SEEING ANYTHING LIKE SO BEFORE. REALLY CROOKED DECEITFUL U.S. BANK WORKERS. I WONDER WHERE THEY COME FROM, AND WHAT COLLEGE THEY GRADUATED FROM. IT DEEMED EVIL, EVILDOERS TYPE OF WORKERS IN U.S.BANK. I COMPLAINTS SEVERAL TIMES BEWFORE ABOUT U.S.BANK WORKERS DECEITFUL ACTIVITY TO MY BANK ACCOUNT. I WONDER IF THEY ARE NEW IN OUR COUNTRY. ACCORDING TO THEIR DESPERATE TO FNAGLE ME AND MY BANK ACCOUNT ILLICITLY. IS A LAW VIOLATION. FURTHERMORE ; MY PENSION DEPOSIT GOES IN THE XXXX OF EACH MONTH. UNLES OTHERWISE THE XXXX FALLS IN SATURDAY, SUNDAY, OR HOLIDAY WILL BE IN BEFORE THE XXXX THEN. THE WORKERS MIGHT TRY TO TAKE ADVANTAGE OF ME BECAUSE I AM OLDER MAN. AND MY SWEETHEART WIFE XXXX XXXX XXXX PASSED AWAY XX/XX/2019. THIS HURTS ME BIG TIME, ADDING TO MY PAINS U.S.BANK WORKERS TRYING TO FINANCIAL FINAGLE ME AND MY BANK ACCOUNT IS A LAW VIOLATION PERIOD. IN ADDITION ; MY XXXX XXXX 4 YEARS COLLEGE XXXX. ALSO WORKING AS A XXXX XXXX AT HER JOB. BUT I DO NOT WANT TO BOTHER MY CHILDREN UNLESS SOMETHING SERIOUS THAT I NEED THEIR HELP WITH OF COURSE. I AM TRYING TO DO EVERYTHING ON MY OWN. TO KEEP ME GOING OTHEWRWISE. SURE APPRECIATE ANY STRICT SCRUTINY INVESTIGATION TO MY CHECKING ACCOUNT ARIGHT. THANK YOU, GOD BLESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85392
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have recently been laid OFF bcoz of the covid-19, so I was put on unemployment a month ago. Originally I tried to do direct deposit, so I called up unemployment and they told me It went on a card.. so I called up US BANK and waited for an hour and a half to talk to someone, they told me that unemployment had put my money on a card that was old and the card was expired, the representative told me they would send me out a new card and to destroy the old card, which I did.. they said it would take 5-7 business days, I said OK. So today is the 6th business day of waiting and still no card so I decided to call them back to check on the status of the card.. now I understand they are extremely busy, so I waited for 4hours on the phone to talk to someone and still no one and all I wanted to know was the status on where my new card is.. I tried so many times to talk to someone. I need that card to pay bills. The wait time was ridiculous. I have tried several times to call, waited over 4hours on XX/XX/2020 and still no response
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I had a property loss regarding my home due to lightning and subsequent fire. After receiving the check from my insurance company I sent the check for {$460000.00} to USBank after obtaining a signature from my wife and the secondary lender on the home. The check was received on XX/XX/2020 as I have the tracking from XXXX regarding overnight delivery. Going back the lender provided me with a list of items that would be required to start receiving funds for repairs to my home. Those items were completed by me prior to the check being sent. There was clarification needed on XX/XX/2020 for some of the documents which my contractor and I provided and were told this would be enough to satisfy the requirements to release funds. However after no funds were released I called again on XX/XX/2020 to discuss. I was told that a form which even the person who worked for the bank said she had never heard of and a floor plan. I asked why this was required and was told " because the amount sent to us is more than you owe ''. After calling my contractor the person was reassuring in the fact that the insurance estimate with drawings would be enough for this. However after no call back on XX/XX/2020 I again reached out to them. They then said this was not good enough and that they must have a floor plan to " gauge the square footage ''. Again not a requirement in the initial letter. I attempted to satisfy this requirement by uploading a picture of the floorplan from our initial plans. However the person told me that she couldn't access their own system of electronic uploads and I would need to fax if I wanted a resolution. I have spent well over 3 hours on the phone trying to talk with a supervisor about this problem and have been met with multiple excuses of why I can not speak with a supervisor. I have even told them I would hold until one is ready to speak with me. However I have been hung up on and disconnected two times and still no resolution. This is keeping me from rebuilding my home that my family is displaced from. I need a resolution ASAP to get funding to start rebuilding.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79602
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have four weeks if unemployment sitting on Reliacard at USBank, however, I have never received a card. I have called and been placed on hold for 13 hours over the last few days. The phone calls are randomly disconnected after holding for hours. The only way to email them is if you have a card number. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2020-04-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I paid the credit card company Elan before the due date of {$350.00} This was taken out of my checking account on XXXX XXXX BUT was not applied to the balance showing available credit of XXXX! I called the credit card company and the customer service person stated that it was being held since they were not sure if they would have gotten paid since a payment was returned in XXXX of 2020! I have never had a payment returned ever! I did pay the credit card twice in XX/XX/2020 so I requested that they send back one of the payments. The credit card company did return one of the duplicate XXXX payments on XXXX XXXX. Furthermore the rudeness and unprofessional attitude was unbelievable especially during this time of the virus one would think that kindness would be prevalent!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 067XX
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My US bank platinum visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-16
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My fidelity rewards visa credit card is reporting closed and showing 30 days late. I repeatedly reached out to the fraud and verification department to fix account status. The 30 day late is incorrect and severely impacting me on ALL 3 credit report. I am trying to close on my mortgage with all the crisis happening right now this misinformation is damaging my home buying closing process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78660
Submitted Via: Web
Date Sent: 2020-04-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-15
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: XX/XX/2020 I have tried to get onto the US Relicard site and it says I am locked out, call the number on the back of the card to reset password. I call the number, it says invalid number. What is the correct number?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A