US Bank

On or about Oct 16, 2020 I went online to the USB app to see if my scheduled payment of $452.46 to Capital One was made. I was not able to confirm that it was paid because the app was down. To avoid more late charges I went online to Capital One and paid the $462.46.
I then noticed that 2 payments were made to Capital One for $452.46. I called USB and they said they would stop payment on one. That was ALL I asked USB to do.
What USB did was stop payment on all future payments to Capital One. I was not notified of this nor did I receive any paperwork.
I made my Nov payment on 11/13 online at Cap One app. On Nov 23, 2020 my Cap One card is not working. I call Cap One and they tell me USB stopped payment on the amount $609.58 which was due Nov 14.
I call USB and after over an hour on the phone I was told the payment would be made on Nov 24. As of 10:00 am it had not been made.
I have now incured a late fee of $25.00 and interest of $17.46.
On Nov 24 I call USB and was told that I was sent paperwork in Oct on the stop payment and what I would have to do to before any future payments would be made to Capital One.
Not only do I now have to wait 3 more days after going to USB on Nov 25 to sign the paper but I will incur more interest.
HELP
PS. When I was transferred to a senior banker to ask if USB would cover the late charges and interest he listened and then hung up on me

US Bank Reliacard froze my account due to my changing my address. They have me no notification of freezing my account. Said I needed to go to their website and verify my identity & matter would be resolved in 1-2 business days & that they would also need a copy of my lease and to speak to my landlord to verify my address. I thought that was a load of crap but I had my landlord over to my residence & Called them again because I need my money to pay my bills! After being on hold for over an hour I was told by vs rep they didn't need to speak to my landlord nor did they need a copy of my lease! Called back 2 days later & they tell me they never received it and to send it again & we would be notified in 7-10 business days this time. Needless to say that was another line of crap they gave me. Called back the next day and was told I needed to resend identity verification. That made 3 times I had to verify my identity. Call again next day to speak with supervisor about the issue. Was told they needed copy of my birth certificate now & that identity verification was blurry & unreadable. Not sure how that's possible when their website won't accept a selfie that is blurry or not within the square box! Then they inform me on top of that that it has been sent to the fraud department and it's out of their hands. However, they won't transfer me to the "fraud department" nor will they give me a phone number to call to reach them. The only fraud going on is with US Bank holding government issued funds that do not belong to them! I've heard every excuse there is to hear from them and am told something different every time I call. This has been going on for 2 months now & a balance of $900 is on a card I cannot use and there is no resolution in sight! My vehicle has been repossessed, utilities disconnected, & I have received notice I am about to be evicted because I cannot pay my bills without my money! I didn't choose to be unemployed. I am self employed and had a good business until COVID. US Bank has no right to hold my money from me! Something needs to be done to resolve this issue or I am going to go ahead with a lawsuit! Sad that a bank takes advantage of people just trying to keep their head above water during this pandemic!

US Bank is holding my funds and will not remove hold. I receive my Texas Unemployment Benefits on the US Bank Reliacard. I called and gave them a change of address due to obviously moving to new residence. I verified my funds were available on my card before using it. However when I tried to pay for my purchase the card was declined. I had clerk run my card a couple of times to no avail. Went home & called the number on the back of my card to be told they placed a hold on my account because my card was ran a few times & the address they had on fIle did not match the address where the card was used! I was then told I needed to go to their website to verify my identity & my account would be unlocked in 1-2 business days. I did as they asked and in 2 business days, same issue! Called US Bank again & told they didn't receive it & I needed to do it again but this time it would take 7-10 business days. Again I did as they asked. 10 business days later account still locked. This time they tell me my account is with their fraud department & they have no control over it. Called again today & I'm told by a supervisor to once again verify my identity on their website. Did as instructed while on the phone with them and the come back & say they need a copy of my birth certificate. There is zero reason US Bank needs a copy of my birth certificate! This has been going on for over a month now. I've had 2 direct deposits made from the state of Texas for unemployment benefits & a third one is due on that account this coming Sunday. Due to US Bank's ludacris excuses & holding my money for absolutely no reason, my truck got repossessed, my electricity shut off, and now I'm facing eviction. I want my money & I want it now!

I was finally credited 9 k I had waited 5 months for. Emergency money, with now no thanks to the state of maine for their delayed system was available. My mortgage on the house I built by hand and birthed my children in was in defer till nov. 1 a balance of 4 k needed to avoid foreclosure. My businesses greenhouse's in need of new paneling to protect from the 24° weather due tonight so I can get off unemployment. At a cost of 4 k. Well, evidently I am only allowed to spend 1500 a day. And yet things pend, then post on any given day (one sat a whole week). On that random day, not the day I charged it, it will take from that days limit. I called, asked how to access the funds that at that point are mine. Was told a few days I could access all my balance. It was in the system. So, day before, I called to verify, was told as of midnight I could pay my bills. It was a misleading lie costing me greatly. Note a few hours on the phone by now. Then it didn't work. I am going to loose my crop, and my home to the restrictions and negligence of this company. Do you think I can't manage my funds? It is clear I could if you weren't restricting my access I could have my business running instead of freezing. There is clearly no fraud on my account, the only reason you greedy people want to keep our funds is to collect the huge bounty of interest off our backs while our bills are unpaid, keep your balance higher to impress your investors and likely benefit from more transaction profit from added transactions due to limit. Thanks state of maine, thanks great u.S. Bank... Hope you go bankrupt too

I'm going to put up a new website that talks about my US Bank experiences. I sent them a money order, hand carried it to the Post Office and the USPS told me ‘there is no such zip code"so the zip code on their settlement agreement letterhead doesn't exist! I called US Bank and they said"don't worry we will receive it and your payment will be received without problem, even if is somehow delayed we will accept your settlement payment."Of course US Bank lied."Robby, "probably all fake names, said the zip code problem (printed on their letterhead) didn't cause the problem, it must have been something else. He didn't have any other reason to offer me, but"it wasn't our fault" was their reason for not giving me the settlement offer they proposed.

What can I say, I think I was scammed. They set me up with a bad address then used the post office as an excuse to take my money and not take it as the payoff that was intended.

Just a warning for all of you who are trying to settle with US Bank, you can't trust them!

A formal complaint against U.S. Bank Reliacard is a third party who process payment and terrible customer service when it comes to dispute they're disgruntled employee will be delayed processing certain refund I had dispute at the Central Market for $11.00 and $61.00 then a $400 ATM unauthorized withdrawal fee this company is in breach of contract and FDIC federal banking guidelines. Normal standard to decide if a customer will be granted a provision credit is 10days instead this company deliberately will get lying to me over and over the claim was disputed and submitted on 10/04/2020 and including the Grapevine 150 and Lyft test $250 both where both deposit that lack integrity and dignity very low class as the run as scandalous act to avoid providing disputes I fax everything including ID they kindly refunded Grapevine and Lyft but didn't refund the entire balance as provisional credit. It is now 10/26/2020 and now the representative don't remember what refund but keep saying there will be a provision and I qualified but Taylor their supervisor was explained several times she still didn't get the message and had void process and now has lapse pass the 10 days as of today told me because I have re-fax driver license that now I will have to restart my 10 days when it was already fax on the 10/04/2020 twice driver license and forms explanation this far most the worst team to dispute transaction. Why 20 day to provide a provisional credit 11.00, 61, 400 atm is obsurge and ridiculous very misleading and discrimination a satanic department give people the run around and difficulty as they're on money. I will be leaving U.S. bank because of their fraud and dishonesty staff who lack respect for their customers are other option as maybe they are about to go out of business can't afford chargebacks is something they need to take up with FDIC department and Ombudsman for illegal processing deputing normal than 10 days grace period for provisional credit and using pity excuses. Everyone doesn't have the same answer when asking a question this deceptive unfair business practice bogus statement to me is wrongful and exhaustion over my own money.

My name is Lance Norman, for identifying purposes, last four of SS is 4278 Received Reliacard in April 2020 with Utah unemployment benefits applied to it. Wallet was stolen within 2 weeks of receiving card, with Reliacard in it. Called Reliacard that day to inform them. They said they would "deactivate" the card and send a replacement. After seven months and numerous calls to their customer service (1855-233-8374) in April, on May 6th, June 9th, July 2nd, July 15th, July 30th, and calls on Aug 4th, Aug 5th, where I was disconnected no less than 6 times Card has never been received (verified that address on file is 4302 W Deno Dr, West Valley City, UT 84120, ph # on account is [protected]). Filed complaint #231573 with Consumer Finance Protection Bureau. US Bank/Reliacard Prepaid Card Service in Minneapolis, sent letter thru CFPB to me requesting I fax verification of my identity to 1-877-503-1742. Which I did on 10/16/20. Didn't hear anything, so called again on 10/21. Talked to Diane in CS Dept, who confirmed documents were received and approved. She explained account had been "locked" so that no one could access the account, which I was glad to hear. Said to call Monday, 10/26, at which time the account would be unlocked and they could express a new card to me. It is now Monday, 10/26, and I am on the phone with CS again, right now, and the CS rep now says he cannot confirm my identity because it appears that all the identifying info in my account has been deleted? He transferred me to a tier 2 rep and I've now been on hold for 3 hours. I lost my job due to COVID and have not been able to get other employment. I am now homeless and have over $12, 000 on my Reliacard that I can't access. Please provide a response to this complaint to [protected]@msn.com or contact me at [protected]. Due to the length of time it has taken to get resolution, I'm no longer at the phone number on file at Reliacard. When I've tried to call and update my account I'm told they can't update it? Thank you for your quick response and, hopefully, resolution to my complaint. Regards, Lance Norman

I've been locked out of my unemployment funds that are paid through US Bank Reliacard. A month ago, they said there was fraudulent activity on my card. So, they issued me a new card. The only problem is two of the cards would not activate, so I had to wait for a third card. It usually takes 5-7 business days for the card to arrive. September 17th the 3rd card arrived and I activated it. It was active for one day, and then it was declined at the grocery store. After a week of numerous phone calls and waiting on hold for 4-5 hours at a time, I was told there had been a freeze put on my card because they were auditing my account. I was told I needed to fax in a copy of my drivers' license, rental agreement, and SSN card, and it would take 3 days.
I faxed these documents on the 28th of September, and called 3 days later. They could not find my documents and I was told to keep checking back. On October 7th I would not accept their response of "call back", and I demanded something be done.
They asked me if when I faxed my documents, I increased the photocopy size on drivers license by 200%, because if I hadn't my fax papers were tossed. So, on Friday I went back to the UPS store to fax the documents with the NEW instructions only to have the UPS store try 12 times to fax my documents and the fax would not go through. UPS said the machine is responding like its off the hook or unplugged on Reliacards end.
I came home called Reliacard and was literally told "hmmm, that doesn't sound right, but maybe try back on Monday. As of today, 10/10/2020 I have not been able to send the fax with my documents. That means my account is sitting there locked and I have no way to correct this.
I have almost $3000 on my card that I cannot access because EVERYTIME I get the run around and a new hoop to jump through.
My utilities and rent are late, and there are late fees adding up. The burden upon me is great as I am raising my grandchildren. I have NO groceries, or gas in my car to get them to school. We set out walking an hour before school starts as it is over a mile away. I had to borrow money from a neighbor just to send the fax. I am desperate for someone to guide me on how to resolve this and be granted access to the unemployment I am entitled too.

My card has been frozen for about a month due to suspected fraud I was asked to upload my ID, address verification, and tax forms. I did that day I found out the issue. It's been a month now . I have 267.00 In my account that I can't use !

Since July, I qualified for PUA, Pandemic Unemployment Assistance. PA, my state, forced everyone to only collect their funds via the debit ReliaCard, from US Bank. But you could immediately transfer your balance online, to your personal checking account, which I did successfully in August. However, without warning, US Bank removed this option in September. I wasted a lot of time searching for it, and their 24/7 customer support phone number only answers with a recorded message. that they are overwhelmed with phone calls - so no Help there.

Now I will have to go in person to a teller, to do the cash transfer for me manually, when teller hours are by appointment only. Due to Covid-19, banks here are only open for Drive Thru deposits/withdrawals.

Reliacard has had my unemployment for weeks and weeks now and my balance is $1808.33, I have not been able to pay my rent, utilities, home phone, my internet and service is being disconnected today and next i will be evicted. I have sat on hole for 3 weeks straight to be hung up on or told i was being transferred to activate the card or to the Records department, or fax department to again be hung up on. Im hiring an attorney. Reliacard is the fraud problem!

I have been trying desperately to get my account unlocked that I received my unemployment benefits with ReliaCard for over 22 days now. I have faxed and uploaded my ID & address verification documents multiple times a week. Everyday after waiting on hold for over 1hr I get a new excuse to why they cannot release my funds to me either they have not received my documents (that I have confirmation#'s to) or they couldn't see them because they were too dark, that they're in review and to check back 5 days later this has gone on for far too long and now all my bills are past due, I can't put food on my table or gas in my car! This has been a nightmare all due to me updating my address like the disclosure says I should. Nowhere in it does it mention your account will be immediately froze and address verification required as well as ID verification and will take who knows how long. Please help me resolve this issue as it is now an URGENT & serious issue involving daily survival.

Candice Campbell
[protected]@gmail.com

It all started when I transferred more money than I was allowed from my usbank reliacard account into my other bank account and my reliacard was deactivated due to "suspicious activity" now I can't use my reliacard at the store, gas station, any bank or ATMs, I couldn't do any online transfers either although I was still able to login into my account online and see the money I supposedly still had in there (I think usbank is trying to steal it) so I drive to a usbank branch bank location two hours away from my residence for them to tell me they can't do absolutely a single thing when I was told over the phone before I left after speaking with a representative that they could unlock the card for me. She said she couldn't help me because the unemployment section is a separate branch of the bank. Drive two hours back home. The first time I called I spent an hour before someone got a hold of me. I was able to verify my account with a series of questions and then was asked to fax my ID to be able to reactivate my account again and finish verifying. So I go ahead and fax my ID. A whole day goes by and now I'm not even able to login into my online account to check my current balance. I called during night hours (12am to 4am) because according to them they have 24/7 service and I spent two hours on one cell phone and one hour in my gfs cell phone, I called with two phones to see if they would answer one quicker than the other one but they didn't answer neither one. I dont think they really work at night. Next morning forced to call again I spent an hour and a half to talk to someone and when somebody finally picks up, THEY HANG UP ON ME! pissed off, I tried to check my reliacard account online again and guess what? Im able to log in now! but my available balance is ZERO! all my money gone, disappeared. Forced to call again, this time I spent another 50 minutes on the phone before everything went mute, had to hang up because the theme music and the automated computer saying "thank you for your patience, your call is very important to us, please remain on the line" [censored] quit so I called back and this time I waited and hour and thirty minutes to finally speak with someone. She told me the account was verified the day before and they sent me a new debit card with my money in it. I'm here thinking to myself, why the fu^k would you guys send me a new debit card with my money in it when the one I had was perfectly fine? WHY ARE YOU GUYS MAKING THINGS SO COMPLICATED? kinda slipped out, but now I gotta wait at least ten days to get in touch with these [censored]$ again if my new debit card that I never requested doesn't get here. This bank is horrible. Im only dealing with these nitwits because I got laid off due to COVID19 and got set up with this account. I have set up my bank account's direct deposit already with the state. Although it takes up to a month to get the direct deposit into effect at least I wont have usbank as a middle man no more. Never trusted banks with money, usbank is no exception and my mind wont ever change. Buy gold, stick it up under your pillow. Anyways, will I ever get my new debit card? [censored] I do hope so. Good luck out there people.

I sold a property on 22 June 2020 that had a mortgage at US Bank. I had told them to be sure to change my address from the property location to my new address. When the loan was closed, they sent the refund of my escrow account to the wrong address. I called and they issued a new check. I got the new check and cashed it. Two weeks later, I received a third check from them for the same amount. I talked to them and explained that I had the other check already - so they told me to just hold the third check. In the mean time, I was expecting a refund of the homeowner's insurance that USAA had sent to US Bank. They assured me that as soon as that processed, they would send the refund. 2 months later, I still do not have the check. They are saying it was mailed but I asked to have the refund wired to my bank. They are so confused and no one knows what they are doing. The last person I talked to indicated that they could get me a check by the 23 of September - but I feel that I have waited for this long enough. The young lady and I went through the phone numbers on my account and we deleted all the old numbers and made sure my new one was there. She removed the wrong number. I had never dealt with such incompetence in my life.

I have paid off my boat loan in 2014, yet they couldn't release the lien holder until today, Aug of 2020.
As WA Licensing requires an affidavit in lien of title, US Bank refused to provide such even though they have confirmed the load had been paid off. I have been dealing with the bank for weeks, and I have an email with someone from the headquarter who was supposed to help me resolve me. For 2 weeks the auto-loan department of US Bank hasn't responded and made any progress, and the representative just stopped responding to my email.

I had to write a check to electrical contractor in amount of $400. I printed this amount, but in words below made a mistake and wrote "four thousands". Bank have to use 2 level of the verification of each check, but no one in US Bank paid attention to discrepancy and cashed the $4000. I found mistake next day after contractor deposited money and immediately called to US Bank customer service. Representative assured me that they would solve the problem and I should expect $3600 refund by next 2-3 business days. I was waiting 3 days and called again. That time they told me about no option to get my money back since check already cashed. Moreover, the customer service representative was rude and didn't want to talk. When I requested the manager shes answer was: "he is busy". I'm still don't know what needs to be done and not expecting any help from the bank.