Date Received: 2021-05-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was a victim of debit/credit card fraud on XX/XX/XXXX and XXXX, 2020. In those 2 days someone ran up {$1800.00} on my account with US Bank reliacard. I contacted them and reported the unauthorized transactions on the XXXX of XXXX the day I realized it was going on. They were pos sales and they list as the followed businesses. XXXX, XXXX {$62.00}, {$470.00}, XXXX XXXX XXXX : {$200.00}, {$35.00}. XXXX XXXX : {$13.00}. XXXX XXXX : {$210.00}. XXXX XXXXXXXX : {$100.00}. XXXX XXXX XXXX : {$7.00}. XXXX : {$250.00} IXXXX XXXX : {$43.00}. XXXXXXXX XXXX : {$12.00}. XXXX : {$18.00}. XXXX : {$250.00}. XXXX : {$230.00}. My US bank reliacard unauthorized claims was denied and I was out {$1800.00} roughly and then told I'm a liar basically that I didn't get stolen from and it's very offensive honestly. Too top it off took them 10 Mos for me to get a response! I called repeatedly about my claim but was told " well move it too fast track for you sir '' Mos later still no answer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 430XX
Submitted Via: Web
Date Sent: 2021-05-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: XXXXwo weeks ago I had to submit a complaint against US bank Reliacard for {$500.00} in charges that were made fraudulently on my card because it hasnt been resolved and this happened back in XXXX XXXX 2021. Well I finally got a call from them and yet another dispute filed and was instructed to call back if I havent received that dispute form to sign and return and I have not received it as of today, XX/XX/2021 so I called back and was told that my money that was deposited today from unemployment can not be transferred onto my new replacement card and they said that its in my agreement that I forfit my money when I get a new replacement card and will forfit all my benefits that get deposited weekly for as long as they get deposited and that I can not ever get any money from them ever for my unemployment benefits since I had to get my card replaced and filed a dispute against them and filed with your company in the first place. That is {$930.00} on that cards account number that filed the dispute on and get {$420.00} weekly for the next 23 weeks that they are claiming that I will never be able to access and they will never transfer onto my replacement card. PLEASE HELP ME AND DO SOMETHING WITH THIS DISGUSTING, FRAUDULENT, FELONIOUS " COMPANY '' BECAUSE THEY ARE THIEVES! NOTHING MORE AND NOTHING LESS-THEY ARE STEALING PEOPLES MONEY AND DEFRAUDING THE GOVERNEMENT AND TAKING THE ONLY INCOME ME AND MY 4 MONTH OLD HAVE OR WILL HAVE FOR 23 WEEKS AT {$420.00} PER WEEK AND THE MONEY THAT IN MY CARDS ACCOUNT AS OF RIGHT NOW WHICH IS {$930.00}. PLEASE PLEASE HELP ME BECAUSE I CAN NOT FEED MY BABY OR PAY MY RENT OR ANYTHING NOW BECAUSE OF THIS THIEVING COMPANY
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: i am missing over XXXX dollars from my relia card pre paid deposits alone that is just deposits about XXXX in purchases each month since XXXX have been made to my account and i have called several times to request that the funds be returned. what i have found out is that my neighbor and several others she is connected to are working in customer service through us bank relia card and possibly twc. through the company conduit! in XXXX XXXX tx they have stolen my stimulus check and transferred money from my rbfcu account they have taken a lot out of my accounts and used my social security for various fraud inqueries. i have called and called have done a lot to try and resolve this issue i also am uncertain of how many others they have done this too. XXXX and apparently XXXX a XXXX XXXX and a lot of other people entrusted with goverment funds and confidential information are using it to take money from every unknowing XXXX in the united states! please help this also includes my smi one account and irs tax refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78229
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I XXXX XXXX was running a local restaurant for several years by the name of XXXX XXXX, a division of XXXX XXXX XXXX , XXXX. The business was closed in 2019 due to a lack of business, and currently I have over {$150000.00} in corporate debts that I can not pay. Accordingly, even though I did my best to maintain payments to my US BANK corporate card ending in XXXX, I can no longer afford to pay on this account with a balance around {$17000.00}. Therefore, I request a reasonable settlement in six payments to SETTLE this account permanently without any further interest and penalty charges. XXXX XXXX President of XXXX XXXX XXXX , XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77339
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I was issued an unemployment card with XXXX XXXX XXXX XXXX of Ohio with US Bank Reliacard. After the nightmare of trying to get through to an agent. I was hung up on. Internet searches direct me to call XXXX which is pretty much impossible to get through to an agent. It ask for a card number and in my case I never received a card so I don't have a card number. After digging around on the unemployment website I did finally find another number which is XXXX. Upon calling this number at XXXX EST on a XXXX afternoon I was told to call back after XXXX CST. I tried calling back 37 times to be hung up on by the first agent. I am so aggravated and I cant help but wonder is this really the practice of a huge FDIC insured bank for people who have been approved for their unemployment during a nationwide pandemic. Please help me to have this issue resolved. My bills are due and my daughter would like to have a new polly pocket. Thank you for your time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45244
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XXXX of 2020, I entered a mortgage forbearance plan with U.S. Bank. I did this because I own a small business in the food industry and Covid-19 had caused many restaurants to close due to the restrictions. I was unsure what the future would be with my business and did this as a precaution. I contacted the bank and was told not to worry as it would not affect my credit ... this is incorrect, it is on my credit showing a past due amount. My current credit report shows it has now dropped 10 points! For months I received notices from U.S. bank stating I was behind on the mortgage and that they had attempted to contact me multiple times to discuss. The truth is, I have been in constant communication with U.S. bank, and was told to " ignore '' the letters, as they were automatically being sent. They stated that it would not affect my credit, not to worry and passed me off to other people in their phone maze. I decided to start paying my mortgage prior to the end of the 6 months they were allowing, because I was able to pay, and I was concerned about a paper trail from U.S. bank threatening foreclosure. I started paying in XXXX of 2020 and have made payments every month. My bank statements reflect the payments made, but US bank Home Mortgage does not. They refuse to apply payments. I spoke to the relationship manager who said that I needed to take it up with the credit bureaus. I feel they have been setting me up this whole time. This was supposed to protect bank customers, but it has caused me a tremendous amount of stress and anxiety.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92104
Submitted Via: Web
Date Sent: 2021-05-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Improper use of your report
Subissue: Received unsolicited financial product or insurance offers after opting out
Consumer Complaint: US Bank sent me a letter in the mail indicating that they were going to close my credit card account due to lack of use, and that if I wanted to keep the account open, to reach out to them. I no longer needed the card, so I let it expire, and I got a letter notifying that the account had been closed. A long time later, by surprise, I got two cards to activate. So when I called the customer service line to find out what those cards were about, they told me that they re-opened my account 15 days after closing the account. They claimed to have sent me a letter notifying me, but I recall no such letter, and 100 % did not approve any such account re-opening. Luckily, there was no activity or fraud, but I assume this affected my credit score in a negative way to have lines of credit left unused that I did not approve to have opened. It also seems like a very bad business practice, so I figured I'd report it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92592
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Someone was suppose to handle the situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I went on COVID forbearnce last XX/XX/2020. I've been trying to come off forbarence since XX/XX/2020. I've called at least 4 times a month to check on my status and they keep extending my forebarnce. I don't know what else to do and they won't elevate this issue. I will now have a partial loan for much more money than I expected because they haven't processed me coming off of forebarance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-10
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I started the refinance process on or around XX/XX/20 and the process was moving forward, submitting documents, etc until the processor changed. I never received an update and emailed my processor and loan representative for an update. When I finally received an update the manager of the new processor was supposed to call and never did. I contacted again and finally got a response which she apologized for and stated needed additional documents, which I submitted. Our debt to income ratio was high and I paid off two accounts which based on the information from loan representative put us under the threshold. I emailed again to find out the status and was told the product had switched and the processor still had an issue with the debt to income ratio. My last email was to find out if the refinance was going to happen. I have not heard back yet. This has been a 7 month process with no progress. It has cost additional money every month the refinance has not happened and possibly cost a better rate option for refinance if I move to another company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48371
Submitted Via: Web
Date Sent: 2021-05-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A