Date Received: 2021-03-01
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXX, XXXX I called Reliacard services to route my child support payment to another account over the phone and I was asked for my password... and I should not have a password. I have only activated a code for use of debit services. I went online to XXXX and found that a XXXX address XXXX XXXX XXXX was the email address attached to my child support card by its account number. I asked them to freeze the online account over the phone and the rep indicated that she could not help me without me giving her the password. I reported the fake email account to XXXX and requested they get ahold of us bank XXXX. I emailed XXXX about the situation and my inability to get anything done in time for anticipated ( and imparitive ) payment tomorrow morning... now I am here. I have had many issues but a few to make note of is that I have a XXXX XXXX account that I did not activate and my XXXX XXXX credit security indicator is under someone elses control because I did not activate that account either. Additionally, my XXXX XXXX XXXX was left at XXXX in XXXX XXXX, Iowa and they confirmed it months ago, saying they would put it in their safe and then it was not found when I tried to recover it. Lost about XX/XX/XXXX and I have no idea who could have gotten it, but its gone. This particular type of ID is used to assure online identification and it is in someone elses possession. There is something definitely wrong if all a person has to do is have the ability to apply hacking applications from online stores and they gain access to all your personal information. COVID forced everyone to pay things online and it has been financial quicksand for me. AND child support recovery unit or their payment portal will not insure or investigate lost transactions or funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 505XX
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: U.S. Bancorp XXXX XXXX XXXX XXXX XXXX, MN XXXX Phone : XXXX Chairman, President and CEO XXXX XXXX After being a customer for 25+ years, and good service. I am alarmed at the lack of due diligence in resolving this major issue I am almost XXXX yrs old, but do know what I should expect. After 70 days, receiving messages that we are working to resolve. What I concluded nothing more was done on this item, everything I sent was sent back with no additional information or proof. This shipment was an issue within 20 minutes of receiving an email from the carrier it was delivered. There was no package at my door, I called and asked that the carrier have the truck return, my request was refused. This was XXXX XXXX, was advised I would need to call back Friday. I worked with the seller for almost 2 weeks. The seller finally requested I close the charge back, and he would locate another piece to send to me. That was refused, he was to send me copies of what he had by email, nothing was ever received. I subsequently filed the dispute. forwarded all the communication and proof, my primary request was to for the POD. I requested a copy of the signed POD and have never received it. I have repeated this since the XXXX of XXXX. It appears no one insured this package? The supervisor ( fraud USBank ) I spoke with was rude, and said they would call back. I requested a number so I would recognize it as I do not answer calls I don't know " well you need to answer the phone '' was her response. I want to know what specific information was received that showed proof of receipt.. I was told as long as the XXXX box was checked that I had electronically signed for it that was proof. She also stated they were not handwriting experts. Which eludes to a signature, that no one can get! Please send me the Proof of delivery with my electronic signature this is the only valid proof. To date that has not been obtained as there is no signature. I received a GPS screen shot sent to me as additional proof the driver was here. ( Copy sent to Bank ) That was also incorrect it shows him on a completely different street than where my apartment, this was also stated to XXXX appears he was in the complex next to mine. I am XXXX yrs old that was special present, within minutes it was gone. The Bank is expecting me to pay for an item that was not received, no POD is available the idea of a check box being proof is insanity. **Legal definition of POD > Proof of delivery means a copy of a signature, or other evidence from the recipient in confirmation of receipt, obtained on delivery of a postal packet ; Proof of delivery ( POD ) is to establish the fact that a recipient received contents sent by a sender. .In the United States XXXX XXXX XXXX XXXX and XXXX XXXX well as the US postal service ( USPS ) provide proof of delivery. Please have your legal department review this dispute, and provide the POD requested from day 1. I would hope the CEO & any officers would expect the same if they were being asked to pay for an item that was not received. Respectfully XXXX Received 4 notices >bank we are working to resolve your dispute, then this email. At no time did anyone reach out to ask for any additional information. Anyone can check a box, I have never had a financial institute use this method of proof. Based on the decision should not have sat or delayed the banks response for 70 days. Preventing me from acting sooner
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received a US Bank Reliacard from Cardholder Services in Indiana. I do not have an account of this kind with US Bank. I tried without success to contact US Bank. Then I called CFPB and was told that this is part of a nationwide scam and not to activate the card. I was told to report it to Unemployment Services in Indiana, but the website does not address this problem. What should I do next?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45385
Submitted Via: Web
Date Sent: 2021-03-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Fidelity Rewards Visa Signature Card XX/XX/2020 XXXX # XXXX XXXX, CA {$97.00} XX/XX/2020 XXXX XXXX # XXXX XXXX XXXX, CA {$250.00} I reported to Fidelity Cardmember Services on XX/XX/XXXX after discovering above two fraud transactions immediately. I explained to Fidelity agent that I didn't purchase anything from above two stores personally nor did online shopping on XX/XX/2020 or nearest dates. After several calls with Customer services, the agent still insisted that card holder presented to the store and made the transactions. The agent failed to provide more details. Therefore, I have to ask CFPB to get involved and help to solve my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95014
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: In the course of the month of XXXX, my husband and I have received four ( 4 ) credit cards with four different names using our home address. We have lived in our home for 25 years and built the home. Therefore, no one else has lived in our home. Additionally, we are in the process of selling our home, which is when the problem began. Here are the names of individuals of the credit cards sent to my home address ( XXXX XXXX XXXX XXXX, XXXX, Ohio XXXX ) as sent from the same address ( XXXX XXXX, XXXX. XXXX XXXX, XXXX, Indiana XXXX ) : 1. XXXX XXXX XXXX mail received on XX/XX/XXXX ) ( I'm still in possession of this card ) ; 2. XXXX XXXX XXXX ( returned to Cardholder Services ) ; 3. XXXX XXXX XXXX XXXX returned to Cardholder Services ) ; and 4. XXXX XXXX XXXX returned to Cardholder Services ). My husband suggests the applicant potentially thinks they are able to come by our home and pick up the envelope from our mailbox. Luckily for us, our mail is delivered to a gang box and is not placed on our front porch. Please advise on how we can stop the credit card company from issuing cards using our address. Our contact information is as follows : XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX home XXXX cell XXXX Thanks!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 441XX
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: During the Cares Act in 2020 I was Flagged Late on my credit report for the Months of XXXX and XXXX although I still made my payments. From my understand Banks and creditors were not suppose to report late payments during that period. I was affected tremendously by COVID-19 with my work and health all at once. I reached out to my creditor and they failed to listen to my request of removing the late payments on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30339
Submitted Via: Web
Date Sent: 2021-02-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: A week ago I received a notice and a new debit card from Cardholder Services for an USBANK XXXX. I never requested this card nor do I have an USBANK account. My understanding when researching online this would be triggered by someone filing for unemployment benefits and the government uses this card as a prepaid debit card. I have not applied for unemployment benefits. I did not activate the card. I did not contact USBANK because my research shows it could be a big waste of time. My concern is how did my name get used to apply for this card? I also want to get this account cancelled. thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45036
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: USBANK Account number : XXXX I have a mortgage with USBANK and due to COVID-19 my income has been reduced by XXXX XXXX from XXXX a month to XXXX a month. With this reduction My monthly debt is still under XXXX XXXX I had to get some things off of my credit report that was because of stolen identity but thats another story. So, I contacted USBANK to let them know that I have been affected by COVID 19 and that I need to get a loan modification for my monthly payment which is {$1700.00} a month, and I need that cut in half due to COVID-19. I contacted USBANK on XX/XX/2021, via USBANK website my portal access. On their website it states that if you need help click mortgage assistance so I did ( note this put me in a situation where I could not pay my mortgage for XXXX ) and they asked me to upload required documents ( business tax return, XXXX Statement and Request for mortgage assistance form ( RMA ) and I did. After doing all of that I got denied. I have had this mortgage for over 5 years and this is how they treated me. I have more than enough equity in my home and Im not late on the payments. I received a call from a USBANK rep telling me that I was denied. But, that is not helping me with this COVID-19 situation. I need a lower rate with no pmi, I am interested in a monthly payment of {$900.00} a month THAT would be the help that I need. I got excuses from USBANK, " saying my debt to income ratio was over XXXX XXXX but this is not true because my wife who is a teacher can help with other monthly bills. I need help due to COVID-19. Can the Cfpb help me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30097
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: I was sent a debit card that I did not apply for US Bank reliacard
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 458XX
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-27
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 discovered I was enrolled in a financial service with US Bank XXXX XXXX XXXX '' on my checking account. I was not aware of this account and the actual cost related to this. I saw the line-item ; however I was not clear what it was. I thought it was just a bank benefit that would become active if used. Then I saw the line item on my statement Auto Payment XXXX XXXX XXXX and when I called US Bank, the Customer Service Rep confirmed it was an actual XXXX XXXX Account and I was getting charged. Most upsetting was that I was not aware of the enrollment, and especially the XXXX XXXX interest rate. I never used the funds. I made an appointment with a banker with little response. I started the conversation early XXXX and by XXXX, he indicated there was nothing he could do. I paid the balance off as I felt I had no choice but now I see it's impacting my credit negatively.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60302
Submitted Via: Web
Date Sent: 2021-02-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A