Date Received: 2020-11-18
Issue: Trouble during payment process
Subissue:
Consumer Complaint: MY MORTGAGE COMPANY CONTINUED TO PAY TWO INSURANCES, UNBEKNOWN TO ME. MY PREVIOUS INSURANCE, XXXX XXXX, WAS SUPPOSED TO BE CANCELLED PER SEVERAL PHONE CALLS I MADE TO THEM. HAVING FOUND A BUNDLE DEAL WITH XXXX XXXX, I CHOSE XXXX XXXX AS MY NEW HOMEOWNER 'S INSURANCE CARRIER. ALTHOUGH I TRIED, THE PREVIOUS INSURANCE WAS NEVER CANCELLED, AND THIS CAUSED MY ESCROW ACCOUNT WITH US BANK HOME MORTGAGE TO BECOME NEGATIVE. I THEN HAD TO PAY {$2300.00} IN ORDER TO BRING THE ESCROW ACCOUNT CURRENT.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73120
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I started receiving Unemployment from Pennsylvania and they issued me a reliacard. I recently moved with my grandmother to Texas and changed the address for my card to be sent. Due to changing my address a lock was placed on my account and my card was made inactive until I verified my identity by sending in my ID my grandmothers ID and a later stating I live with her. I faxed the documents on the XXXX and the XXXX and was told both times the documents were to dark. I faxed them again on the XXXX and they were cleared and re I ever on the XXXX. I was told to wait five buisness days for them to unlock my card and it would be ready to use. It has been over five days and my card is still picked and every time I have called to speak to a representative or supervisor they have just given me the run around and made excuse after excuse. My bills are now past due almost two months and they cant give me a date when it will be unlocked or what further steps if any need to be taken. I have over XXXX dollars that Im not able to access and its very frustrating. Attached below are the two ids I sent I also sent a letter stating I have permission accept mail at my grandmothers house. These are the documents they told me to send in and that they received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75069
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: XX/XX/20 We received a ReliaCard issued by USBank. The card was unexpected and did not align with any accounts we own. That same day we inactivated the card, and the customer service representative noted that it was an Ohio unemployment card. We have never been to Ohio. They used a decades old phone number and likely additional old information ( however it made it to our most current address ). Clearly a fraudulent card. Note : nothing will be attached as it was a credit card issued document containing personal and sensitive information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 662XX
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: 2020-11-17
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I went to 5 different ATM 's on, including 3 that were pointed out to me by the bank 's ( US Bank Reliacard ) phone app, and I could not withdraw any money. Every time I was given a simple do not dispense error. I tried various amounts ( XXXX ), none worked. Despite having a balance of XXXX dollars on there. No reason given, just refused to dispense. So its impossible to get cash off of this card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20165
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I have been having a hold on my usbank reliacard Since XX/XX/2020 I have called severally all I keep getting is the same answer in different ways I was told to fax my document to a fax number which I have done upto 5 times with no response from them I have my reliacard on hold I need help for them to remove my account From hold so as to be able to access my fund I never got no email back each time I try to talk to a representative I spend my whole day at home trying to make this call.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02135
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-18
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 card in the mail from US Bank ReliaCard. I did not request this card and have not been unemployed. I am a retired senior citizen. This is clearly identity theft and fraud. I tried to call US Bank to shut the card down. Their phone tree does not offer any options for this situation. There are many articles on the internet about this scam. There appears to be no way to shut this fraudulent card down. I need help to get to the right department to stop this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 468XX
Submitted Via: Web
Date Sent: 2020-11-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have this account for the past 7 years and have never missed a payment. I am XXXX years old and have to be ultra careful. During that period of time I notified US bank of the corona virus and there had to have been some reason why they did not do anything to answer my letter explaining my situation. Never heard back from them!!!!! In addition, my current address is not correct. It should be : XXXX XXXX XXXX, XXXX XXXX, Ca. XXXX XXXX. The address on file is absent the XXXX ... ... ... ... ... ... My understanding was there policy during the CV that they will take into consideration the period of time in the early months of this year ... ... ... ... ... ... ... ... .. I am asking them to eliminate the late fee 's and to remove the late payments from my credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94597
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
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 Relia Card on XXXX XXXX, 2020. I did not request this card and I do not want this card. I have not file for unemployment and I do not need this card. On XXXX XXXX, 2020, I called five telephone numbers of US Bank Relia Card and I have called each telephone number several times. Every time I call, I get the automated message that all the representatives are business and I have a wait time of ten to fifteen minutes. After a couple of minutes of waiting the Im automatically disconnected. I have not been able to speak with a representative from US Bank Relia Card and no representative in their fraud dept. I want this account closed and deactivated and to inform them the need to verify who the are issuing a card too before just sending it out to individuals who has not requested it. I want this account closed and the card deactivated. I was unable to contact US Bank Relia Card online because I will have to create an account with the card and Im not doing that because then the card will be active, then whoever requested this card then will have an account. Would please assist me in contacting US Bank Relia Card to close this account and deactivate or flag the account and the card they have sent me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 655XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: i have contacted USBANK to kindly remove the 30-day late payment that they reported on my XXXX and XXXX reports but they refuse to remove it and they are in the violation per the FCRA which states that all information on credit report should be 100 % accurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is a continual problem with mail fraud and false claims of receipt and/or sending of mail and notices. In the past I have been abused by this bank claiming they mailed me a notice which we never received so they could falsely bill my account for late charges! - This time not posting promptly my payment to avoid crediting. I mailed a check # XXXX to US Bank on XX/XX/2020 in the amount of {$630.00}. As of today, XX/XX/2020 I have yet to be credited of this payment to my principal. There has been a ongoing pattern of deceit and communication fraud. They have done this repeatedly to me on previous occasions by claiming they notified me about changes that were never received. Now, on the other hand, 10 days later my check has not been credited.
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: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A