Date Received: 2020-12-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: my account with reliacard was locked in XXXX so XX/XX/XXXX i sent in a id that i had to get from dmv and a selfie two weeks later i got a letter saying to send id again andand selfie and taxes for XXXX and ssi card so i got everything together and sent on the XXXX of XXXX i even sent XXXX XXXX and XXXX taaxed along withXX/XX/XXXXi called everyday they said it taakes 2 days then they said it takes 5 to 7 days then they said the documents werent clear enough so i send id the ssi card and then XXXX taxes again its now XX/XX/XXXX and my account is still lockedthis is a joke i cant believ this i had two trees fall on house and have young children in my home who cant eat properly because im waiting on someone to look at my id ive sent messeges for someone to call and nothing no one calls back this bank is a joke
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: XX/XX/2020 got online with XXXX.XXXX. Their number is XXXX and his name was XXXX XXXX . I was attempting to purchase a XXXX XXXX named XXXX. She is still on the site. They text me back and said she would be {$650.00} with a {$150.00} transit fee. They asked if i had XXXX XXXX and I do. So sent the funds of {$800.00}. She would fly from XXXX to XXXX in the cargo. The next day they text back and said they needed an additional {$1200.00} for insurance with the carrier. Told them I could not afford that, that I didn't have that. So I told them I would not be able to get the puppy because of the additional fee they required ; even though they said it would be refunded once she arrived in XXXX. I knew there was a problem. So I asked for my {$800.00} to be refunded and they quit communicating. So I called XXXX XXXX. They had an email and a telephone number. I called the telephone number to resolve this fraud quickly. Little did I know that XXXX XXXX was hacked XXXX XXXX weekend and thousands of people were scammed as well as myself. It was reported on XXXX XXXX XXXX out of South Carolina my friend forwarded it to me. So I am on the line with what I thought was XXXX XXXX. They asked me to download their support App to resolve the issue. I did. I was not aware that the app gave them access to my telephone and any information in it including my US Bank Checking Acct and US Bank Credit Card. We spoke for maybe an hour and then they asked if i had any money in my bitcoin and XXXX XXXX XXXX. I stopped them their wanting to know how they knew about that. They said they guessed and the only other way they could assist is by my going to XXXX and getting a XXXX XXXX card for {$150.00}. I went to XXXX and got one for {$10.00}. They were livid and demanded that i get one for {$150.00} and that is the only other way it would work. Knew i had been scammed again. I know it took long enough for me to figure it out. I emailed XXXX XXXX and they said that they did not have a phone and only used email. It would take several months to clear this up and they would get back with me. I called US Bank and they said i needed a police report. So i had reports completed by the XXXX KS Police Department. XXXX, XXXX and then in XXXX filed another report XXXX as per the Financial/Computer Crimes division. Still havent heard from them and call most daily and leave messages. They are working from home so it is harder to get ahold of them. The fraud dept of US Bank found in favor of the scammer. The {$800.00} payment for the dog was denied stating that i received product of which i did not. They also said that XXXX XXXX was not willing to deal with them. Then the other transactions that were pulled out of my checking and credit card with US Bank were denied stating that it was my fault as I downloaded the app giving them access. Even though I did not willingly of knowingly do so. They also said that the 3 banks involved were not willing to work with them. They would not give me the information but would to law enforcement and I have had no luck with them. XXXX Financial/Computer Crimes still hasnt assigned anyone to my case. I have called them almost daily and still not gotten an answer and have left numerous messages and did again when i called XXXX. US Bank gave me the number to US Bank Corporate Security XXXX and said they would work with the police department. I have lost a total of {$6600.00}. I just cant afford that. I am trying to get them to really close the acct as I have automatic payments sent each month to other agencies. I have told the other agencies and now making payment through XXXX XXXX XXXX XXXX. But I dont have access to my US Bank online i have been locked out so I cant change any of the information so the amount continues to increase as a negative balance currently at {$1400.00} this week. I paid off the negative balance last week. I was able to close the new account as the negative balance was {$36.00} from an Overdraft Return fee. Which I was told they would waive them all but they are not. So i have my new account at a XXXX balance and closed. The old acct XXXX is closed and in an inactive status but still incurring those fees and transactions. Have spent countless hours on the phone and even more on hold for 30 to 45 minutes each time they transfer me. I disagree with their decisions even though the other banks and XXXX XXXX is not willing to deal with them. Please help! This has been going on since XX/XX/2020. I cant afford to lose close to XXXX now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67207
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Received a usbankreliacard visa debit card in the mail that I did not apply for. How do I close the account and get it taken off of my credit report?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17022
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received U.S. Bank Reliacard for unemployment benefits that I didn't apply for and is not applicable. After contacting U.S. Bank, it appears the card was issued for unemployment benefits in another state.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 87111
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: My USBank CD for {$100000.00} matured on XX/XX/2020. This was a transfer account from XXXX XXXX XXXX I call the XXXX XXXX /USBank number at XXXX on XX/XX/2020 in the 10 day window for CD instructions prior to maturation. I spoke to XXXX who took my instructions to transfer the balance into my savings account. He confirmed this would take 7-10 days and a letter would be sent to confirm. No letter was ever received. I called on XX/XX/2020 to the number above and spoke to XXXX. After discussion and hold time for her to confirm actions to be taken the call was disconnected. I called back same day and spoke to XXXX at XXXX XXXX AZ time. She confirmed my requests was " done '' and action would reflect in 7-10 days. I went online today XX/XX/2020 and the CD information no longer appears and the money was not transferred into my savings. I called number above and spoke to XXXX who confirmed that the CD was closed and a certified check was sent. Since the CD was closed they can not stop payment and take the requested transfer action. This check will not be received for ANOTHER 7-10 days. US Bank has denied me access to my funds for what could be a total of 19 days!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 859XX
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: Someone left a message on my answering machine stating that they would beat my XXXX from this company the phone number XXXX XXXX XXXX I had informed them that my name is not the name on this that I had asked them before in the past to stop contacting me after that didn't work I proceeded to put the numbers on the block list and I was checking my messages and this is what I heard from XX/XX/XXXX Thursday at XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2020-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am writing to US BANK because I am having difficulties with buying a house and applying for new credit cards. I paid the collection and do not owe anything, but the mark in XXXX report prevents me from achieving the desired results. I am kindly requesting US BANK to remove this collection from my credit report as a gesture of goodwill. Doing so would sincerely be appreciated and represent an invaluable gift to my family and me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37027
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Complaint Details Due to the Covid 19 Virus, It has put me out of my recent employment leaving me jobless. The government has been issuing funds to help people get through this catastrophe, well I have received some funds from the disaster relief XXXX worth and now Im receiving a regular payment from unemployment which is not much, but more than I have now, I was blessed to recieve it to find out it to is being direct deposited into my locked account! So I give them a call and they said to verify my identity, that i have to get the home owner to my address to fax in their driver 's license and a note stating that I am able to recieve mail where my card was issued. So I did just that, 3 times! The first time they denied it because they said all information has to be faxed in together that if it's separate when faxing they will destroy it and never look at it. Second and third time the fax was to dark, it had to be lightened 2 shades and enlarged to 200 % which was done so I'm not sure why they denied it, but that's what was said. I was able to have the home owner one last time resend all the information again along with a copy of my driver 's license, by this time they seemed to be kinda fed up, so when I called the us bank to unlock my card, you can imagine how upset I was when they told me no because my license is expired. I'm currently XXXX right now, XXXX and trying to better my life by coming up out of this rut. I'm unable to get running water or electricity out here at the moment so I tend to stay where I can when I can. Due to being XXXX, with no transportation and no stable living arrangement all of my belongings are strung out at a number of different places therefore it made it difficult to verify my identity, because I couldn't locate my I'd first hand. So I did everything the bank asked me to do, I followed every step I was suppose to. I verified my identity in quite a few ways and to this day im still doing it hoping they will unlock my card., There is no need for any of this, I am sitting here suffering when I have money in the bank, looking like a fool asking the next person to loan me XXXX dollars to eat. They knew from the get go my license was expired, they said do these steps and we will unlock your card. I sent my license I sent all paperwork, I shouldn't have to go through this anymore! I currently draw in XXXX a week for child support which iv been making last an entire week, for food, drinks e.t.c..I am XXXX by the state, but lost my XXXX because I could not make it to my appointment because the lack of transportation. I have sent everything to the bank, drivers licence, Bank statements, Insurance Statements, Child Support Income Verification, Mail, Iv even had the homeowner to where I stay fax them their information a number of times. I just recently recieved a letter from the bank stating the next steps in order to unlock my card. Taking a selfie and another picture of my licence and submitting it to the banks website using there verification method online. I did that, and now they need address verification. I just feel like they are giving me the run around, like they don't want to help me. So once again I send in more documentation. I faxed a picture of me, my expired licence and a letter that shows the address on file from a state agency and a letter the bank had wrote me guiding the next steps. I am unable at the moment to get my Texas Driver 's Licence Renewed due to XXXX reinstatement fee and a couple traffic violations, which the court wants payments in full, making it over a grand and impossible to pay. I'm currently trying to reach out to the beacon law center or a lawyer to help me resolve this issue. Please Im asking with everything I have to help me get what is rightfully mine. I deserve help, just like the next person
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: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-03
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: Card was canceled because it {$180.00}. Fraudulent charges new card issued to me. Notified by letter {$180.00}. Would be credited to my car on XX/XX/XXXX. Every time I call to tell them the money is not on my card. They tell me wait 3days, today is XX/XX/XXXX still no transfer of funds. Today they again said money is on old card. I am still waiting fir funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78045
Submitted Via: Web
Date Sent: 2020-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-02
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: DISCLOSURE : THIS IS NOT AN IDENTITY THEFT DISPUTE, PLEASE REFRAIN FROM TAKING ANY POSITION OF IDENTITY THEFT EITHER WITH ANY CREDIT REPORTING AGENCY OR ANY SUBSCRIBERE THAT PARTAKES IN THE PRIVLIDGES ON REPORTING CONSUMERS PAYMENT HISTORY, IT IS A DISPUTE ON GROUNDS OF VALIDATION PURPOSES ONLY. LEGAL DISPUTE REQUESTING FULL DISCLOSURE OF TRUE TIMELINES PERTAINING TO TRADELINE PROCUREMENT, IN ADDITION TO ACTUAL PAYMENT HISTORY PROVING ACTUAL INITIAL DATE OF FIRST 30-DAY LATE PAYMENT HISTORY, THUS TRIGGERING THE 7-YEAR RULE THAT RELATES TO ERRONEOUS OR OBSOLETE INFORMATION. 605. Requirements relating to information contained in consumer reports [ 15 U.S.C. 1681c ] ( a ) Information excluded from consumer reports. Except as authorized under subsection ( b ) of this section, no consumer reporting agency may make any consumer report containing any of the following items of information : ( 1 ) Cases under title 11 [ United States Code ] or under the Bankruptcy Act that, from the date of entry of the order for relief or the date of adjudication, as the case may be, antedate the report by more than 10 years. ( 2 ) Civil suits, civil judgments, and records of arrest that from date of entry, antedate the report by more than seven years or until the governing statute of limitations has expired, whichever is the longer period. ( 3 ) Paid tax liens which, from date of payment, antedate the report by more than seven years. ( 4 ) Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years. ( 1 ) ( 5 ) Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.1 ( b ) Exempted cases. The provisions of subsection ( a ) of this section are not applicable in the case of any consumer credit report to be used in connection with ( 1 ) a credit transaction involving, or which may reasonably be expected to involve, a principal amount of {$150000.00} or more ; ( 2 ) the underwriting of life insurance involving, or which may reasonably be expected to involve, a face amount of {$150000.00} or more ; or ( 3 ) the employment of any individual at an annual salary which equals, or which may reasonably be expected to equal {$75000.00}, or more. ( c ) Running of reporting period. ( 1 ) In general. The 7-year period referred to in paragraphs ( 4 ) and ( 6 ) ** of subsection ( a ) shall begin, with respect to an y delinquent account that is placed for collection ( internally or by referral to a third party, whichever is earlier ), charged to profit and loss, or subjected to any similar action, upon the expiration of the 180-day period beginning on the date of the commencement of the delinquency which immediately preceded the collection activity, charge to profit and loss, or similar action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12205
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A