Date Received: 2020-11-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: To whom It may concern, I recently, reviewed a copy of my XXXX credit report and { US BANK XXXX XXXX } ran an unauthorized credit inquiry on me on XX/XX/2019. I never authorized such action and this constitutes a violation of my rights under the Fair Credit Reporting Act 604 as well as a violation of my rights to privacy. Please contact Us Bank XXXX XXXX and investigate such occurrence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84123
Submitted Via: Web
Date Sent: 2020-11-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I applied for unemployment and was denied so I appealed and won. I was getting back pay for a lot of unemployment. I received my unemployment benefits on XX/XX/2020 I still had not received my card. I ordered a new card to be expedited never received that card either. I waited a while cuz they kept telling me 7 to 10 business days ... Well someone received my card activated it set up an online account with it and began spending my money. I called reliacard and filed my claim. They denied my claim because who ever stole my card uses the same stores as me which isn't hard to believe we live in a very small town.. il
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 557XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/2020 I called Reliacard to file a dispute. Everything went smoothly at this point. I received my new card the same day I received the forms to file my dispute XX/XX/2020. I called in to activate my card and was instead told that they had no record of sending a new card and that my account was closed with a note stating not to reopen it and had no answer as to how I would receive the money that I still had in my account. When I asked as to why their response was they had no idea that all it says is to not reopen the account. Later that day I filled out the dispute forms and faxed them in with the additional information they needed. On Monday, XXXX XXXX I received a letter dated the XXXX stating they had made a final decision regarding my dispute. On the XXXX I had not received any forms so was unsure as to how they came to the decision already. I called in and was told that it would be 3-5 business days before the right department would receive my complaint to continue the investigation on my dispute with still no answer as to why I couldn't receive the funds in my account nor when I would be able to. My lease is up on XX/XX/2020, and with my landlord refusing to resign my lease, I'm having to move, and having Reliacard withhold my funds has made this an impossible task which is causing problems between my landlord and me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Advertising
Subissue: Changes in terms from what was offered or advertised
Consumer Complaint: The complaint contains multiple issues from what is advertised on the card overview, to the card fee schedule, to information provided by customer service. 1- Customer Service stated that the card allowed 2 - Online transfers for free per month to a personal checking account, with a maximum of {$2500.00} per day. Attempting to make that transfer the maximum amount allowed was {$2000.00}. 2- Fee Schedule ( Maximum ) website states the following, in contrast to the Fee Schedule and Cardholder Agreement on the same page : Maximum Daily Debits- 20 transactions and {$2000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$1500.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$1500.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month The Fee Schedule / Card Agreement states : Maximum Daily Debits- 20 transactions and {$6000.00} per day ATM Withdrawals- 10 transactions and {$1000.00} per day Purchases at the Point of Sale ( including cash over the amount of purchase ) - 20 transactions and {$4000.00} per transaction Teller Cash Withdrawals ( at Visa or Mastercard member banks ) ( Financial Institutions may have lower limits ) - 2 transactions and {$5000.00} per day Bill Pay Transactions- 10 transactions and {$2000.00} per day 10 transactions and {$3000.00} per week 20 transactions and {$5000.00} per month
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was placed into the US Bank assistance program due to COVID-19. After the last month of the program, i paid the Loan out fully. US Bank is now showing there's a 30day late payment charge. Will you please contact the Bank and have it removed. ( last 4 of Account number is XXXX ). Thanks
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77845
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Between XXXX and XXXX of XXXX Someone fraudulently applied for credit using my personal verifying information I have been a victim of identity theft since XXXX. I did not authorize anyone to open or attempt to open any accounts using my personal verifying information. I alerted the Credit Bureau to these fraudulent inquiries on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX to dispute these inquiries, They sent out notification to the Credit companies but told me THEY DO NOT DISPUTE INQUIRIES, even if you have been a victim of Identity theft. Since then I've reached out to the companies that these inquiries were initiated thru and they also have not responded in a timely manner to remove these inquiries. Ive sent XXXX many documents that they seem to never receive. At this point these inquiries are damaging my credit report. Iam requesting the following items be removed from credit file and blocked from viewing for Identity theft or Fraud. XXXX XXXX THIS IS A FRAUDULENT INQUIRY XXXX THIS IS A FRAUDULENT INQUIRY US BANK THIS IS A FRAUDULENT INQUIRY XXXX XXXX XXXX THIS IS A FRAUDULENT INQUIRY I WANT THESE INQUIRIES REMOVED FROM MY FILE FOR FRAUD I DID NOT AUTHORIZE ANYONE TO APPLY FOR THESE ACCOUNTS USING MY NAME.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45239
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received my replacement card on XX/XX/2020. I made a online purchase early morning on XX/XX/XXXX around XXXXXXXX for a phone bill which successfully went through. I than went to try to make and I store purchase around XXXXXXXX XXXX the same day and my card continued to decline. I called multiple representatives to try to understand the issue. I spoke with 2 representatives and a supervisor. The supervisor let me know there was a block on my account because I need to validate it. When I asked why she said it was for reasons she didnt know. I asked if I could speak to someone who would and she refused. She said the only way to remove the restrictions was to fax my Id, proof of residency and my ssc. I was not comfortable doing so since I was just sent a new replacement card and spoke with cardholder services all week, let alone the supervisor couldnt explain why the restricted my account in the first place. I asked for anyone from another department or Human Resources and she refused : stating that she will not give out anyones contact others than her own. Now the government assistance money on my card is unable to be accessed while I have a XXXX year old child whom I have to care for with my assistant and I am XXXX XXXX XXXX I can not do much without the use of my government funds and they are being held for reasons unknown.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: For the past 7-8 weeks US Bank ' Debit Reliacard locked my card for absolutely no reason. They said I tried to change my address which I keep telling them repeatedly that I have not changed my address information, I have lived here nearly 3 years. So they keep asking to see my ID and I tell them I don't have one, I have always been self employed by my father and never needed one. Which they don't have a right to ask for an ID in the first place considering their website says you only have to send a photo of your ID if you verbally verify that you tried to change your name, or address, or birthdate, or social security number. I log into my account and of course all the information is the same as it was when I got the account in XXXX. I even sent them a photo of a piece of mail I received XX/XX/XXXX from the IRS with my address, last four numbers of my social and my name.. They said that was a good enough reason to believe I never requested an address change and the card would be unlocked today. Sure enough, I call back and it's more violations and more fraud on their end. I usually end up talking to the same female, she once said she was a manager.. And then today she says she isn't.. her supervisor or manager is not there. I recorded these past two conversations. I literally made 4 transactions with the card and they shut it off for no reason and can't seem to give me a valid reason at all why. They just keep lying and violating their legal policies posted on their website. I have 4 kids and a broke down vehicle and I can't access money that belongs to me. They have been doing this to several thousand innocent people who really need access to their money right now. Please help my family. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 773XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-19
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: This account was fraudulently opened and maintained. I've contacted the company and communicated with them that it was fraudulent. To no avail, as they keep calling to get me to pay on an account, or with promotions for existing account holders.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60411
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: 2020-11-19
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 Reliacardin the mail in the week of XXXX XXXX, 2020 and did not request the card. I can not get through to anyone at US Bank to make sure it is not active. This looks exactly like a legitimate Visa card but I read online that there is a fraud scheme issuing false employment benefit cards especially to retired people or those who may have been part of a past fraud scheme. I am working and was part of the XXXX and XXXX frauds a year or so ago. I did not activate the card but began the activation process before hanging up, thinking that if I activated it I could finally contact someone to close it - then thought better of that move. How can I check to make sure this card is not active?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 193XX
Submitted Via: Web
Date Sent: 2020-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A