Date Received: 2020-12-02
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I filed an original complaint. The company did acknowledge one of two unauthorized charges and refunded me {$850.00}. I filed another complaint ( XXXX ) regarding the company 's refusal to acknowledge and reimburse me for the second unauthorized charge of {$230.00}. The response to my second complaint only acknowledges them refunding me the {$850.00} and not the {$230.00}. They are totally ignoring my second unauthorized charge. My previous complaint read I had filed an original complaint regarding US Bank Relia Card ( XXXX ) regarding unauthorized transactions. Someone had stolen my Relia card and made two purchases using my card. One from XX/XX/XXXX in the amount of {$850.00} and One from XXXX in the amount of {$230.00}. Both transactions occurred on the same day ( XX/XX/20 ). After numerous phone calls I did receive reimbursement for the XX/XX/XXXX transaction however I never received reimbursement for the XXXX transaction. The response letter from US Bank Relia Card that you received for the prior complaint ( XXXX ) states that they did refund me {$850.00} for the transactions. This is not correct. It was for one of the transactions. I have yet to receive the {$230.00} for the second transaction. I have called the bank numerous times only to be told my case has been closed and all monies refunded. Again this is incorrect. I am still owed {$230.00} for the unauthorized XXXX transaction. I filed a report with the XXXX XXXX Police Department in XXXX, PA the same day that my card was stolen and they have both transactions listed in their report with the unauthorized amounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
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: XX/XX/XXXX On XX/XX/XXXX of this year, we purchased a XXXX travel trailer believing it had a clear title. After completing paperwork, paying {$780.00} registration, and waiting a very long time, the DMV finally informed us that US Bank NA had a lien on the trailer. Working with the dealer and the daughter of the original owners ( One of the original owners is deceased and the other is in ill health and cared for by her daughter. ), we have been trying to secure the lien release since XX/XX/XXXX. It appears that US Bank can not find record of the original loan. On XXXX, after many calls, the bank finally asked for evidence that there was a lien. That same day we faxed the incomplete registration form stating that A LIEN SATISFIED IS REQUIRED FROM US BK NA along with Application for Duplicate or Paperless Title, and bill of sale ( both signed by the owner ), the last renewal notice from DMV and a letter I sent to the original owner. US Bank gave no response. I called again XXXX and was told to email the same information I faxed in XXXX, which I did. After assurances that I would hear something in a few days, no communication came. My husband and I are retired and have put over {$11000.00} into the trailer, a trailer that we can not use or sell. All parties involved in this sale have spent time trying to secure this lien release. Obviously, my husband and I should never have purchased the trailer without a pink slip. However, it seems that the Bank has an obligation to resolve this issue especially since the family of the original owners have also requested the release.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95662
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-01
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/XXXX I put in a dispute with XXXX after discovering that my credit score was negatively affected by an account with Elan Financial, an account I was not aware of nor have had any activity on and was opened by my ex-husband back in XXXX. My name is fraudulently on this account. We were in the process of divorcing at the time and had been separated a year and a half, not living together when this account began, unknown to me. After many phone calls to Elan financial I was never able to speak with anybody who would help me but continually kept getting transferred to another extension over and over again until the phone clicked off. The dispute results with XXXX verified that my name is on this joint account but I did not receive any help on how to get my name off and clear my credit. I did another dispute with XXXX on XX/XX/XXXX and finally had a fraud expert advise me to write to you as well as sending certified letters to XXXX and XXXX which I an in the process of doing. This came to my attention only recently due to the noncompliance of my ex -husband who either defaulted on this account or is late with payments. I am not sure which but I had no knowledge or activity on this account. Part of the account number is XXXX My case number with XXXX is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 087XX
Submitted Via: Web
Date Sent: 2020-12-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: Friday XX/XX/2020 I received an unsolicited debit card from Bank Relia. I phoned them but could not get to an agent without entering private information. There was one phone number for complaints and activation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a card in the mail from usbankreliacard. It was for unemployment and since I have applied for unemployment in XXXX, XXXX, and never received any funds, I thought it was finally here. So I activated the card but then noticed that it was for Ohio. I live in Michigan. After I did some searching, and spoke with Michigan unemployment office, I found that this may be fraudulent as this card is not from the unemployment office in Michigan, where I applied. I activated this card on the internet last night, XX/XX/XXXX. I can not recall what information I provided but am concerned. There is no money on the card and no money has been put on the card as of current date/time. The card is a debit VISA - card number : XXXX - expiration date - XX/XX/XXXX code on back is XXXX. Today, XX/XX/XXXX, I tried calling us bank relia card at XXXX 3 times. Twice was a busy ring and once, I received a message that said they were experiencing high call volumes. Due to this, I am not able to speak to anyone regarding this card. And I am not sure if this is a safe place to speak with either. I need this card canceled and a report to be filed as I am unsure what information they have about me. I can be reached at XXXX us bank relia card address : Cardholder services XXXX XXXX XXXX XXXX, IN XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 494XX
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: For weeks my ReliaCard has been locked due to a change of address. The address that I chanted it to is the address on my state issued I.D and has been my address for the last 4 years!!!! When I applied for unemployment 2 months ago my wife and I were currently separated and I was then staying at my moms. I have uploaded a picture of my I.D and social. It is now the XXXX of the month and I have no money to pay my bills. I have a family to feed and I am lost! Please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75219
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XX/XX/2020, US BANK add a hard inquiry on my credit report per XXXX. On XX/XX/2020, XXXX XXXX/XXXX XXXX I add a hard inquiries on my credit reports per XXXX, XXXX ( The report does not include information about the creditor. ) and XXXX. On XX/XX/2020, XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37174
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My account was just unlocked by XXXX last week and then a few days later reliacard actually locked my card. Im not sure why. There was no explanation on why they just did it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19138
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: EQUIFAX IS SHOWING A BALANCE OWING TO XXXX XXXX WHICH HAS BEEN PAID AND HAS A XXXX BALANCE FOR OVER A YEAR NOW. I HAVE DISPUTED IT WITH EQUIFAX BUT THEY HAVE NOT CORRECTED IT. I DO NOT KNOW IF IT IS EQUIFAX OR XXXX XXXX WHO IS REPORTING IT. THE BALANCE HAS BEEN PAID. YOU WILL SEE ON THE THREE IN ONE REPORT THAT EACH OF THE OTHER BUREAUS REPORT THE XXXX BALANCE BUT EQUIFAX DOES NOT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A