Date Received: 2020-11-25
Issue: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Can I have child support go through my bank account, please?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90012
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
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 U.S. bank ReliaCard. The flyer with the card said I was receiving this card because I applied for unemployment. I have not applied for unemployment. I live in Nevada. The card was sent from the Colorado Department of Labor and Employment. Several years back my identity was stolen and it took a long time to straighten it out. I don't want to have to go through that again. The name used on the card is XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: XX/XX/XXXX - received mail from USBank Reliacard which I do not have an account with and did not apply for an account with. Mail included a new Visa debit card with activation information ; The Reliacard cardholder agreement ; USBank facts and questions XX/XX/XXXX - called USBank Reliacard at XXXX multiple times and this number always has a recording that will not allow you to talk to a customer service representative and wants you to enter your card information to activate the card and set a PIN number XX/XX/XXXX - called USBank at XXXX and they automatically transferred me to the Reliacard number and automated message per my note above on ( XX/XX/XXXX ) ; called USBank again and demanded that I speak to someone but the CSR said that they couldn't help me as it was a Reliacard and is a totally separate system ; I left my name and phone number for a supervisor to call me back ***my fear is that people will activate the card and create a PIN number and then someone else will have a duplicate card that they will use for fraudulent purposes ***I also fear that my personal information may be compromised
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/XXXX card declined. Got a text from XXXX that a " fraud lock '' has been placed on my card for no apparent reason other than I changed my address to literally 1 mile away. I was notified to send a copy of D.L. and selfie to US bank website, which was literally done within 10 minutes. I called to get the card released so I could eat dinner it was not As of XX/XX/XXXX2020 @ XXXX hrs, it is still locked down. For the past 6 days I'm stuck eating rice, saltines, and oats for ALL meals. USBANK declares there's a slight delay which has now totally ruined my XXXX meal, and they really don't seem to care.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75098
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I signed up for a new US Bank checking online account with a {$300.00} bonus offer for completing two direct deposits totaling {$4000.00} within 60 days of account opening. US Bank failed to give me access to the account for 35 days, preventing me from completing the promotion terms. Timeline : 1. During the online checking account sign up process ( on XX/XX/XXXX ) I was told to expect an activation letter by mail in 7-10 business days. 2. After waiting ~3 weeks, I called customer service and was told that ( a ) the agent saw no record of an activation letter being sent, ( b ) my account information couldn't be provided over phone or email, and ( c ) my only option for gaining account access was to request a new debit card and wait for it to arrive by mail ( in 7-10 business days ). 3. I finally received the debit card and pin code around XX/XX/XXXX ( 35 day after opening ) and immediately signed up for online banking as required to retrieve the routing and account number for direct deposit. 4. My employer ( like many others ) pays on a bi-weekly basis. While I changed my direct deposit records on XX/XX/XXXX, it did not take effect until the next pay cycle on XX/XX/XXXX. I completely my second $ XXXX direct deposit on XX/XX/XXXX ( 65 days after account opening ). I contacted US Bank via email asking them to extend the 60 day promotion time period, given that I was unable to meet the requirements solely because of their error. Customer service refused to provide a resolution ( see attached ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2020-11-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The company locked access to funds on the account because I submitted a change of address. After months of back and forth on how to resolve this problem, I was told to fax my information to them. On XX/XX/2020, I faxed over my information. About a month later with no progress, I was told that they had given me the wrong fax number. On XX/XX/2020, I faxed over the information again and followed all procedures. Today on XX/XX/XXXX, I was told that they cant find the fax and was told to fax it again. My account has been locked for several months and I just need access to unemployment funds. I kept getting told to wait and call back or that theres nothing they can do. I even spoke to a manager and she was the one who said to try again.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75075
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My name is XXXX XXXX XXXX and I am trying to purchase a home. On my credit is showing a collection open reported on XX/XX/XXXX in the amount of {$73.00} from US Bank that was a car lease that ended and I took another car with the same institution. It seems that calculating the pay-off it was a balance due of {$73.00} Dollars that I was not told or even advise in writing. I have another car finance with US Bank since XX/XX/XXXX and never have miss a payment to this date. I intend to correct this problem with them but to no avail. Account number reported # XXXX. I have requested a letter that this account reported on my credit report as a derogatory account on XX/XX/XXXX is wrong and that has been paid but no help from this institution. I am trying to purchase a home and XXXX XXXX keep declining my file for the wrong information entered. This is an abuse of power and also discrimination. I need this to be deleted from my credit history since I also have tried with the three credit bureaus and also to no avail. So I pray and hope that this complaint will be my solution to this empty road.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33196
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Us bank ReliaCard for pandemic unemployment agencies of Ohio has had my card locked for 2 months now. Since XX/XX/2020 to current XX/XX/2020. I have faxed all my documents such as photo ID, birth certificate, w2 forms and social security card! They still havent been able to help me unlock my account!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45013
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: My received my debit card from US Bank Reliacard at the beginning of XX/XX/2020. Texas Workforce Commission was loading my unemployment payments to the debit card. I was able to use card without any problems until until sometime around XX/XX/2020. I contacted customer service with the problem as to why my funds where being held and I wasnt able to use card. They then informed me that US BANK RELIACARD needed me to send them copy of government identification so that they may verify I lived at the address that they had on file. That because I corrected an error on my part by changing a lower case letter to upper on my address i had to send in verification of the address change. When there in fact had been no address change at all just me fixing a simple error in punctuation. Problem with sending in a government ID at this time for me is that I had recently lost my id and because of the pandemic I'm not able to replace my id until months from now. Also it is not TWC that has the problem it is the debit company. My funds are issued by TWC not this Reliacard company. I have gone to great lengths to have them possibly understand my situation. I have sent them a copy of mail with name and address, a copy of the appointment I made with the local DPS, a non government ID made by a local church here. There is over XXXX $ on my debit card and I am not able use my employment funds for my living expenses. Which had caused me to be delinquent on my rental payments. And now receiving eviction notices. Can you please help me to get funds released.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78412
Submitted Via: Web
Date Sent: 2020-11-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: A couple of months ago I received an escrow analysis that my payment was going to go up. I did not have money to pay the shortage so I noticed my payment went up almost {$400.00}. I checked online and noticed that US Bank has XXXX County and XXXX which are not suppose to be there. I live in XXXX County, and we pay for XXXX and XXXX. It has been a month since I reached out and have made numerous calls without resolution. I have not made my car payment because I needed to pay my mortgage. I am worried that again I am going to default on my other bills since my main concern is to keep my home. I keep getting the run around and I even requested a supervisor which she told me she would call me and never has. I need my escrow fixed and to have my payment fixed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75126
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A