Date Received: 2021-02-08
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: As of today, my funds in this bank account are being withheld from me without reason or justification. I have {$990.00} in the account, however US Bank Reliacard has restricted my access. I do not know why they are doing this, however I have fully complied with every request they have made for proof of identity and still, I am being denied access to my own money. This money is from Unemployment as I have worked a job and been fired from that job and have been awarded PUA. They requested my birth certificate, social security card, and school ID ( I am a XXXX ). Due to COVID-19 I have not been allowed access to my school campus since XX/XX/XXXX, therefore my school ID has expired.They rejected all the above simply because my school ID has expired even though they told me to send them a copy of the expired ID! No matter what they ask for, I provide it but they still come up with every excuse to not accept my identification and further withhold my funds. I even went down to the DMV and stood in line for 3 hours to get a state ID. I sent them in the temporary copy as one of the supervisors in the escalations department advised me that would be acceptable. I sent that in and they STILL rejected my state ID! I have done everything they ask and I believe what they are doing is illegal, criminal and unjust. They are saying this is for security purposes, however I have verified my identity to the fullest extend and still they are withholding my funds. I have rent and bills to pay. I do not receive food stamps. I use my unemployment to eat and survive. Each day my landlord adds XXXX dollars late fee until rent is paid. This bank is ruining my life. They are stealing money from thousands of unemployment people and causing them to be hungry and homeless and I am one of them. Something needs to be done about US Bank Reliacard illegally withholding funds so that they can accumulate interest off of our money and in the meantime cause us to suffer more than we already are. Please help! XX/XX/XXXX : Unemployment Benefits are deposited on the the US Bank Reliacard in my name. I attempt to XXXX XXXX my half of the rent to my roommate, its denied. I got to XXXX to get cash back, its denied. I got to the atm to try to get cash back, denied. I call customer service and spoke with a XXXX who advised me there was a 24 hour hold on the card due to XXXX XXXX and to wait until XXXX the next day to use the card and it should work. XX/XX/XXXX : I got back to the atm at XXXX the next day, attempt to withdraw cash, denied. I tried a lesser amount, declined. Called customer service again, they tell me the account is permanently blocked and until I send in birth certificate and ssc they wont unblock the card. I sent in birth certificate, social, last check stub, a letter explaining I am a minor ( XXXX and XXXX XXXX ) and unable to get a state ID until I am XXXX and XXXX XXXX. They said ok and to use my expired school ID ans that it will take 5 business days to review. I sent in the school ID, waited 5 days and called customer service. They then said expired IDs are not acceptable. Even though they told me to send in the expired ID. This is when I began to feel like I was getting the run around. XX/XX/XXXX : I called customer service again and requested a supervisor. Spoke to XXXX XXXX who told me to have my mom send in her state ID since im a XXXX. I did that, and then I got a call from card services saying it was rejected. At this point it is obvious they are telling me anything just to stall and hold my money. XX/XX/XXXX : I get on XXXX and search " Reliacard locked '' and found several groups and posts from thousands of members who are also experiencing this issue. One of the group admins posted that if I call reliacard and request for them to close the account and mail a certified check that they will do that. I tried and was told that since the account is locked they cant do that either. So now they are intentionally holding my Unemployment because sending a check to my address where I have lived for 5 years and where unemployment mails my correspondence should be proof enough that I am who I say I am. You cant even cash a check without identification so why are they denying this? Exactly. So I then reach out to US Bank via XXXX XXXX. They just told me to do the same things, which I again did and was told the next day the documents were rejected. My birthday is XX/XX/XXXX so XX/XX/XXXX made me XXXX and XXXX XXXX old and able to go get a state ID. XX/XX/XXXX : I go stand in line at the DMV for 3 hours and come out with a temporary state ID with my picture and signature on it. I called XXXX XXXX back at the number he gave me and he told me that the temporary ID would be acceptable and to allow 5 business days for processing. I agreed, even though 5 business days is excessive. No traditional bank like XXXX or even XXXX XXXX would do this to their members, but still I agreed and waited. XX/XX/XXXX : I receive a call from card services basically telling me yet again they rejected my ID and are not going to release the hold. At this point, I have nothing more to do. I have do everything they asked and they are still holding my money. In the meantime I am losing everything. Unemployment has determined that I qualify for those benefits, how can this bank just withhold them without reason or warning? I need this resolved asap.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75232
Submitted Via: Web
Date Sent: 2021-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I faxed the information requested by my bank to verify my identity on XX/XX/2021. I was told it wook take 5 business days to have access to my account. I called back on XX/XX/2021 and was told that the documents were grainy and that I would have to refax them. I called the bank regularly and was not told of this issue until today. I am now being told that it could be 48 hours to another 5 business days before I might have access to my account. I have never been informed by the bank as to when I would have access to my funds. They claim that they do not have the phone number to the department that authorizes the release of my funds. I need access to my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57701
Submitted Via: Web
Date Sent: 2021-03-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is unknown hard inquiry on my credit reports. Im requested the verification of the inquiry and the method of verification. US BANK XXXX Inquiry Date XX/XX/2019. For the first time no response came in 15 days company did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91606
Submitted Via: Web
Date Sent: 2021-02-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-08
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hi,, Thank you for helping me. I have a relia debit card issued for the unemployment benefits this year from U.S. Bank. I had a bunch of fraudulent charges made to the card, around XXXX worth. I spent weeks trying to contact the bank and was unsuccessful. I finally got someone on the phone and submitted a dispute for each separate charge to the card, none of which are mine. About 8 to 10 weeks later I received a letter from them saying they found no error. The letter said I could request documents that they used to determine their decision. I wrote and requested these documents over 2 months ago and have never received anything. I have reached out numerous times by telephone and can not get anyone. These charges are fraudulent and they have done nothing to protect me or help me. I will fight this to every extent. Thank you XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15301
Submitted Via: Web
Date Sent: 2021-02-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened two bank accounts In US bank on XX/XX/XXXX. One checking account, and one saving account. I opened these account because there was a promotion in the bank that for each account I will get {$400.00} bonus if I meet certain criteria. For checking account {$4000.00} direct deposit within three months and for saving {$25000.00} to be kept in the bank for three months. I already met these criteria. I opened these accounts after visiting US bank and the person in US Bank promised that I will get these bonuses. Till to-date I did not get any bonus either for checking or for savings account. I talked to the person in bank several times and he told me that I will get these bonuses at the end of XX/XX/XXXX. But still no bonus was deposited. The bank has informed me in XX/XX/XXXX that it will not give me any bonus. I am not happy with the US bank as it has not fulfilled its promise. Please help me in getting the bonus. The address of US bank is XXXX XXXX XXXX, XXXX, CA XXXX The persons contacted were : XXXX XXXX and XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94518
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-07
Issue: Trouble during payment process
Subissue:
Consumer Complaint: 1. 0n XX/XX/XXXX my wife and I put our house into forbearance due to my wife having her work hours cut due to the XXXX XXXX. 2. At the end of XX/XX/XXXX, I called my mortgage company, US Bank, to start the process of getting out of my forbearance. I was initially told that since I had a VA loan, the mortgage company was waiting for guidance from VA on how to proceed with modifying VA loans that were put into forbearance. The representative asked if I could start making payments and I said I could. I started making payments again in XX/XX/XXXX. 3. I called every week to get a status update and every week I received a different answer about what was being done with my forbearance. 4. On XX/XX/XXXX I received a call from a representative asking what I was able to do/not do where my forbearance was concerned. I was told it would take thirty days to complete my evaluation. 5. On XX/XX/XXXX I received a call from a representative stating that my loan modification had been approved, I should be receiving paperwork from underwriting within thirty days and that I didn't need to make a payment for XXXX but I would for XXXX. 6. On XX/XX/XXXX I had yet to receive any paperwork from underwriting but I still made a payment for XXXX. 7. On XX/XX/XXXX I received a letter from underwriting, stating the terms of my loan modification, I had until XX/XX/XXXX to appeal the modification and I didn't need to make a payment until XXXX. I didn't appeal the modification. The paperwork also stated that I would receive more paperwork by XX/XX/XXXX, for my wife and I to sign for the loan modification. 8. As of this date, XXXX/XXXX/XXXX, I have yet to receive any paperwork for my wife and I to sign to resolve this forbearance. 9. I have called and emailed numerous times and even filed a complaint, within US Bank, and I still keep getting the same answer that they are working on it. 10. This paperwork should have been started on XX/XX/XXXX, since I didn't appeal the loan modification. Now eight months later, we are no farther along than when we requested to end the forbearance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29485
Submitted Via: Web
Date Sent: 2021-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
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: I filed 2 disputes about 2 transactions with a company because the company never provided the service that paid for. I paid for e-filing of 2 documents which were supposed to be recorded for a business transaction that was to take place in a few months. When I went to close on the transaction, I was unable to and the business transaction was terminated because that documentation was never filed. When I called the company and ask them why they didn't file it, the admin. assistant literally said " oh I don't know '' but we did get your documents. I then asked for a refund and she said no. I IMMEDIATELY contacted Elan to file the despites. Elan then proceeded to have me explain the situation and further WRITE it down TWICE and mail and fax it in. After going through all of that trouble, they sent me a letter this week saying that they can't do anything about it because my disputes were files after 60 days of the transaction. THE ISSUE DID NOT ARISE UNTIL AFTER 60 DAYS. AND ALSO, WHY WASTE MY TIME AND HAVE ME GO THROUGH ALL OF THIS TROUBLE ONLY YO NOT ASSIST. I NEED MY MONEY BACK. I PAID FOR SERVICES THAT I NEVER GOT AND THIS IS NOT ETHICAL AT ALL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: i have sent several letters and hired credit repair company they say i owe {$490.00} however this was a secured card and i gave them a security deposit of {$300.00} so the balance owed should only be {$490.00} they never applied the {$300.00} security deposit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 02893
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/XXXX we closed on a refinancing with Eagle Bank for our single family home in XXXX MD. On XX/XX/XXXX we were informed that our loan had been sold to US Bank. The effective date of US Bank to start receiving payments was XX/XX/XXXX. Our loan number is XXXX. On XX/XX/XXXX I was informed by email that USBank had disbursed {$1900.00} to XXXX XXXX for an insurance premium payout. Unfortunately, we do not have our homeowner 's insurance with XXXX XXXX. We have our insurance with XXXX 's and this payment was made by Eagle Bank on XX/XX/XXXX. In speaking with the poorly trained customer service department, I was informed that US Bank made a payment for the premium for the Master insurance policy for the Condo. This property is not a Condominium, it is a single family home which could be easily checked by using XXXX or perhaps just reading the documents. Even if this was a condo, what Condo owner pays the premium for the Master Insurance Policy for the Association? The only premium a Condo owner would pay is for an HO6 policy. The rep then asked me if my policy covered walls in or just the outside. Again, this is a single family home so this question shows a poor understanding of what is in a Condo policy vs a single family home policy. The rep found that my paperwork was processed incorrectly designating it as a Condo. Why that happened and what possessed anyone to send a payment for a premium for a Master policy when you aren't even processing my payments yet for the mortgage is unbelievable. We are very disturbed that you would send funds out of our account when you do not even have the account till XX/XX/XXXX. I spoke with a rep for US Bank on XX/XX/XXXX and was assured my paperwork would be updated and the funds returned to my account. On XX/XX/XXXX I received an email that US Bank has now sent another payment for homeowners insurance for {$1900.00} to XXXX XXXX. Still not our homeowners insurance policy. Called the bank on XXXX and they had no record of my request from XX/XX/XXXX. I asked for a lock on any more escor payments and that they had t get my authorization. They refused. I am now out {$3900.00} with no assurances when this money will be returned. I emailed XXXX XXXX XXXX XXXX at the Bank with no response. US Bank has shown us so far very sloppy handling of our account, our funds and very poorly trained workers. Not what you want to see when you handle our escrow for insurance and taxes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20854
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-06
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: So in 2017 or so, my car suffered from hail damage. I decided to use the check to pay off my vehicle as opposed to fixing the dents. I called both my insurance company and US Bank ( Loan Issuer ) ahead of time and told them what was happening. US Bank said that once the check cleared, I'd have my title in 30 days. I called them 30 days later asking why the title hadn't arrived. They said that they had shipped it to my insurance company. My insurance company sent the title back. I've called them multiple times throughout the years and they always say that it will get here in 30 days, but I never receive it. Now US Bank has lost the title and insists that I have to go to the DMV to pay for a new one
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-02-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A