Date Received: 2020-04-15
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/XXXX I was laid off. I applied and was accepted for unemployment benefits on XX/XX/XXXX. The unemployment office then ordered me a US bank ReliaCard even though I had already had my bank fax the unemployment office my checking account info for direct deposit. On XX/XX/XXXX my card should of been mailed but I did not receive it and no I didn't accidentally throw it away. I open all my mail. Ive received 4payments as of today XX/XX/2020. With a total of {$1800.00} on the US bank card. I need my money to pay my bills. Ive tried calling US bank ReliaCard everyday for that last two weeks and Im put on hold then hung up on.Ive exasperated all options to find my card that I believe was never mailed to me to begin with. I called XXXX XXXX XXXX XXXX XXXX XXXX today and will continue to call them along with the business bureau until I get the action that is needed. Thanks for your attention to this matter in advance. XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 456XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a prepaid card ending in XXXX for {$500.00}. It says it is active and that the balance is {$500.00}, but it gets declined anytime I try to use it. I can not reach the customer service number on the card, no one picks up. I need to be able to use this card!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45701
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I opened the U.S.Bank checking account with promo code XXXX on XX/XX/2020. The advertisement ( Attached # 1 ) from the bank says to receive {$300.00} bonus, you will need to make at least two direct deposits that total {$2000.00} or more within 60 days of account opening and set up online account. I set up the online account and had two direct deposits with {$2300.00}, {$1000.00} and {$1600.00} respectively within 60 days. I emailed the U.S. Bank on XX/XX/2020 to inquire about the bonus, and received a reply on XX/XX/2020 from XXXX XXXX saying the bonus is still coming, my friend ( Attached # 2 ). On XX/XX/2020, I received a check from U.S. Bank in mail for {$4900.00}. I found myself no longer have access to the online account. I called the local U.S.Bank branch and talk with XXXX. She told me the account was closed by the bank and she had no idea what happened.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92354
Submitted Via: Web
Date Sent: 2020-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: US BANK HOME MORTGAGE Remarks Forfeit of deed in lieu of foreclosure XXXX XXXX account XXXX XXXX XXXX. XXXX, KY XXXX XXXX ( XXXX ) XXXX XXXX XXXX Remarks Account closed at consumers request Account paid for less than full balance Paid charge off Fixed rate Last payment XX/XX/XXXX Closed XX/XX/XXXX XXXX XXXX XXXX XXXX, OH XXXX USA ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 605XX
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I purchased 120 XXXX Gift Cards at {$100.00} each. I received only 117 Gift Cards and the company keeps creating obstacles to replace the three missing cards. They are telling me to audit each card number which I did and they still will not replace the cards. I have already distributed the cards that I have and want the three missing cards sent expedited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90016
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My card has been declining since Friday XX/XX/2020. Ive sat on hold for more than 4 hours on the only phone number available for seeking help. Ive even heard people talking in the background halfway through being on hold for them to click me back to hold when they realized and heard me yelling hello. My card is declining for everything even though there is several hundred dollars on it. There is no one from us bank willing to fix the problem. Were in the middle of a pandemic and I can not reach my child support funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48150
Submitted Via: Web
Date Sent: 2020-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-13
Issue: Credit monitoring or identity theft protection services
Subissue: Billing dispute for services
Consumer Complaint: XX/XX/XXXX To Whom this may concern, I am writing this letter today to express my concern in the way in which my account was handled. On or about XXXX of XXXX my wife, called in to our mortgage lender U.S Bank inquiring about a possible deferment on the 2 loan payments in which we were ahead. Our loan payments began XX/XX/XXXX which is when we paid our very first payment of {$2500.00} in addition to our monthly payments, we paid {$100.00} towards our principal. We were on time every month including the extra {$100.00} which at or around XXXX of XXXX we were told by a U.S Bank mortgage rep that we were ahead 2 months of paying off our loan due to us paying more than our monthly payments. Backing up 11 months to XXXX of XXXX I was hurt and could not work. I did not get hurt on the job so no I did not qualify for XXXX 's XXXX. At the time my wife had to go back to work making only 1/3 of my income. We still made sure to make our payments on time. I then went into XXXX XX/XX/XXXX to have my severe injury repaired. Still making our payments on time now via auto pay with the addition {$100.00} payment. We juggled it all making payment arrangements on other bills to make sure that our mortgage payments were always on time due to me not wanting this to reflect negatively on my credit. After getting very low on our saving my wife decided to call U.S Bank on or about XX/XX/XXXX to ask for a deferment that would have help us get caught up on other bills as well. When she called, she was told by a U.S Bank rep that we would only qualify for the hardship program if we owed 2 months of payments. She was told that U.S Bank DO NOT do deferments and they DO NOT accept half payments meaning that if we can pay half of the payment on the XXXX and the other half on the XXXX to complete the monthly payment. The only help that they can give us was for us to send a hardship letter and wait for a response. Again, concerned about my credit, my wife asked the rep how would this effect the credit having these late payments, the rep only responded stating that the only help we can get is to allow 2 payments to show owing and to fill out a hardship package. Well considering the fact that we needed the help, thinking the these will be the only payments reporting negatively on my credit we then allowed 2 payments to go by meanwhile using the income coming in from my wife to get caught up on all the other household bills which by the way do not directly affect my credit on a monthly basis. Once the 2 payments were missed, we then applied for the hardship program which we were then told that it will take up to 90 days to be approved during this time we were making payments which to the mortgage company late payments identifying the payments as payment arrangements and which those payments were saving our home from being foreclosed on not on-time payments. After finding this out we then began making {$3000.00} or more payment to try and get caught up only to learn that the extra payments were going into a separate account and was NOT credited as a payment until it added up to a full payment. So, meaning we had money in their account which I am pretty sure it was collecting interest which was not being credited to my account. Really, I can go on and on about the back and forth and misinformation that was given to us each time we called in. My wife and I even asked if they can go back and pull the previous calls to listen to the information that was given to us even after asking specific question and this was not honored. So, I am writing this to share the unprofessionalism that were displayed by the customers representatives ' and also all the misinformation that was given to use. I am hoping that with this letter US Bank will be notified and all reps will be coached on how to give accurate information to their customers seeking their help. I feel we were taken advantage of in our need of hard time. Thank you so much for your time and taking the time to read this, I am hoping to hear back from you letting me know the outcome of this manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89183
Submitted Via: Web
Date Sent: 2020-04-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Hello, I am reaching out in desperate need of help. I am hoping that I can tell my story and and someone will want to help a person who may not be big in this world but matters. I am a XXXX year-old woman living in XXXX XXXX XXXX. I recently started an amazing career back in XXXX. I live paycheck to paycheck and have always taken pride that I can pay my bills and take care of my family. I recently decided to open up a bank account with US Bank. I had previously banked there for 18 years. I left them due to a divorce. I had no issues with them and had overall good service for all those years so I decided to try them again. I opened the account on Sunday XX/XX/XXXX. There were a few system issues with switching my address from XXXX to XXXX but I was assured that everything was fixed and my address was updated. I deposited every bit of money I had to my name into this account. On Tuesday I had to go to urgent care and was diagnosed with the XXXX. I was very sick. I attempted to get my prescription filled at XXXX and my card was rejected. I called the bank and they informed me that I needed to come into the branch and speak with someone. When I got there they told me that they closed my account and could not give me a reason why. They said it was restricted information that they can't even have access to. I thought it would be as simple as asking for my money back. I was sadly mistaken. They told me that once the paperwork processed they would send me a cashier 's check. Through my tears of panic I pleaded with them to please find a way to get me my money. I had to have my XXXX. Plus I had rent and bills due that week. I was distraught, and could not believe that they couldn't help me. I left there empty-handed. I spent hours on the phone getting transferred from person to person and no answers. Many got angry with me for my frustration. No one wanted to understand the position that they had put me in. I had no money. luckily I was able to find a way to get my antibiotics so that I could get better. But as far as rent and bills I had to explain the situation to all of them. And this story sounded so crazy no one wanted to believe me. I had to pay a late fee on my rent and I am still trying to catch up on my other bills. I had to visit a couple food banks so that we had food on our table. Today is XX/XX/XXXX and I still do not have my money. Even after several updates to my address, they still sent the check to California. Because of their error I had to wait 15 more days for them to reissue a check and send it to my new address. That never happened. I make several calls a day in hopes to find that one person that has a heart and does what it takes to help me. All I get are people who can do nothing for me. Some of them even hang up the phone on me and say that I XXXX them and that I am not in the right frame of mind to talk to. I have never once XXXX them. Every word that was said was through tears and desperation. Due to the situation going on with the virus epidemic I was out of work for a while with no pay. I am now even more in need of my money that is rightfully mine. I have continued to try to call and make them understand how desperate I am. Still no answers or time frame on when I will receive the cashier 's check. And the people that closed my account and caused all of this are unreachable and untouchable. I am in beyond disbelief that a bank could do this to someone. I have never felt so victimized before. I am trying desperately to find another way to get this resolved as soon as possible. I'm struggling to keep my apartment and pay my bills. This is not a position that I've ever let myself be put in. Please if there is anything you can do to help me please reach out to me. Even if it's just some more resources that I can use. I feel like that I have been talking and no one is listening and that I do not matter in this world. But to my family that I support and take care of I do mean something. I sincerely hope to hear from you soon. Thank you XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63116
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2020 I went in to a Us bank branch and deposited {$5000.00} dollars and only got credit for {$500.00}. After disputing this for 2 months US bank claims theres no error or anything wrong with their machines when I simply put in XXXX bills of {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95377
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Good Morning. About a week ago I came down with the notorious XXXX virus. I went to the bank in the drive-thru lane to make a withdrawal of my funds during this tuff time period. I am told by the banker that i would not be able to make a withdrawal. Immediately I knew that I was being racially profiled. I asked why and the banker said my account has a block. I ask why my account has a block and he did not mention that he was the one who enacted the block but came up with some excuse that I can't remember at this time. He secretly blocked my account without notifying me while i was there. I find that strange because I was using my debit card just fine before I went to that bank to make my withdrawal. The banker refused to withdraw my funds and treated me with such disrespect that I have ever been treated within my life from a banker. I went home and cried because I know that banks would either be reluctant to release my funds to me because of XXXX or the fact that they are racially profiling me. I have called numerous times numerous days IN A ROW! Thankfully I was able to get my money out by sending the money to someone else using XXXX and XXXX XXXX. Otherwise, the bank would still be holding my money captive during this crazy tuff time. US bank dropped the ball this time. I am so upset because I am not able to pay my bills because my account is locked. My billers do not accept cash. I am in self-isolation due to XXXX and i do not want to put anyone at risk trying to go out and get a prepaid debit card loaded up with the cash i have on hand. This is what the banks do when the going gets tuff. They block your account and racially profile you and say your apart of fraud WHICH I AM CERTAINLY NOT. I am so upset and frustrated I have even called corporate and are waiting for a response. Corporate has told me numerous times they would not be able to release the block on my account and only the manager of the bank who racially profiled me could. They told me they would reach out and get back to me and they have not. I want whoever to be held responsible for making my life harder than it already is. Nobody has helped me to solve my problem. This bank is operating in a predatory manner. During this tuff time, it is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2020-04-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A