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: XX/XX/2020 I received a Visa Debit Card from U.S. Bank ReliaCard in the mail. I did not request this card, nor do I receive, nor have I ever applied for, government benefits. I attempted several times to call and cancel this account. I did not activate the card or provide any personal information although to get through on the phone menu I was asked to provide personal information, which I did not. I am concerned about this being a phishing scam and also that my identify could be compromised. There is no mechanism to contact the company and deactivate this account or remove myself from their phishing database. I do not wish to identify myself to them considering to do so, it would mean that I would have to give them more information about myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-17
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: This is my now second time reaching out regarding usbankreliacard. I opened a dispute XX/XX/2020, I was never told that I needed to send in any information other then I handwritten letter documenting the disputed charges. Usbankreliacard denied my claim within 14 business days AFTER they FAILED to give me my 10 day provisional credit. I now had to open a new dispute on XX/XX/2020 as this is apart of identity theft, I have spoken with my attorney as well as the FTC and filed with them as well and will take the company to small claims court/arbitration if they do not honor my dispute and provide me with my funds by XX/XX/2020 ( 10 business days after filing another dispute on XX/XX/2020 ) my lawyer advised me since it is a larger amount about XXXX dollars to not allow them to deny my claim again and let them know we will go to court if needed. Due to the fact I have now sent in 27 documents of proof that I never even had a XXXX XXXX account, theres no transactions in my history on XXXX, XXXX hasnt been used in a year, and XXXX. Yet they refused to give me my credits back. According to regulation e, I am not responsible for any funds that are made on my account AFTER I reported fraud. I reported the first transaction in XXXX-XXXX. The representative documented it in my case but never shut my card off and sent me a new one. I know go see a XXXX for the XXXX, XXXX this has caused, I also had to hire a lawyer, I spent hours a day on the phone with this bank. I sent proof from XXXX and XXXX that my social and personal information have been apart of a breach and identity theft. Therefore after speaking with my lawyer and the FTC I was made aware that I MUST be provided with my 10 day provisional credit. LEGALLY. That is my money. I sent in all documents and email exchanges proving that I have reached out to cashapp before contacting the bank to let them know to stop all transactions from my card, when they failed to do so I reached out again and alerted them I am reporting this to my bank. XXXX told me to reach out to the bank as they are fully aware of the identity theft. Someone tried to open another unemployment claim under my name, wrong social, and also tried to open a credit card a few months ago. Usbankreliacard is truly the worst I have sent everything over that is required plus additional information. I had to switch my pay to a debit card because of this breach. According to the FTC and my lawyer the company has until XX/XX/XXXX to provide me with Atleast my provisional credit. If they fail to do so I will follow up with both companies and file suit as it was there fault they didnt cancel my card and also their fault that this bank is supposed to reject any and all transactions from apps like XXXX- according to us bank supervisor XXXX I spoke to on XXXX but the bank failed to do that. They continued to allow transactions to go through and without even alerting me. I sent in proof I never used that app ever. I had to download it just so I could prove theres no transactions under my number and email address name and so fourth. I have placed a hold on all of my credit accounts and hAve sent in proof my accounts were compromised as well. When I reached out to XXXX after checking my account I was in New Jersey and literally beyond distraught. I have XXXX children. I am now 2 months back on rent because of this! I never had to deal with identity theft in my life or something to this degree. Being my claim was opened now XXXX usbankreliacard has until XX/XX/XXXX to credit me back for the funds I have disputed. If not upon recommendation from the FTC and attorneys I will continue to fight this and go to court if I have to as I am a victim of identity theft and have sent in proof of that as well. Especially being the bank didnt do their job and cancel my card when supposed to. I now know my rights under regulation e and I am entitled to my money by XXXX/XXXX/XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19114
Submitted Via: Web
Date Sent: 2020-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: 1. On XXXX. XXXX, 2020, US BANK XXXX XXXX add a hard inquiry on my credit report per XXXX. 2. On XXXX. XXXX, 2020, XXXX XXXX AUTO FINANCE add a hard inquiry on my credit report per XXXX. 3. On XXXX. XXXX, 2020, XXXX XXXX XXXX XXXX add a hard inquiry on my credit report per XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84041
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Last Thursday I received a letter that all of my US Bank Credit Cards are closed. Letters stated your account has been closed effective immediately. Our decision was based on the following principal reason ( s ) reasons listed are credit history related. I have more than {$2000.00} worth of flex points, what US Bank actually did is instead of allowing me to use my points they closed an account with no option to use them. Cardmember Agreements, section 32, titled Cancellation of Your Account, We may cancel your Account or suspend your ability to obtain Account credit immediately, without notice, if your Account is in Default. Even if you are not in Default, we may cancel your Account by providing notice to you. My account was not in default when it was closed, so there is a breach of agreement. In addition to that latest response I received stated that " A careful review of your account does not reveal any instance in which U.S. Bank deviated from generally accepted banking practices. '' General banking practices allow 30 days to redeem points when account is closed ( XXXX, XXXX and other Banks ). I suspect that US bank found out that there is over {$2000.00} worth of flex perks that I have on the account and instead of going through procedure and giving a notice as per credit card agreement decided immediately close an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35242
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX XXXX restaurant in XXXX, NJ changed the amount of my purchase to double excluding a {$12.00} tip after I left. I had a 25 % off any purchase coupon with no expiration date on XX/XX/2020. The bill was {$60.00} and I added {$12.00} tip based on the full amount prior to the coupon. The adjusted amount should have been {$45.00} plus {$12.00} tip = {$57.00} ; however, I was charged {$130.00}. Elan Financial Services of XXXX, MN was advised of a dispute and immediately closed my account and sent me a new card with a new account number. XXXX manages the card for XXXX XXXX XXXX XXXX, MA. After 6 weeks in which I was not contacted once, the fraudulent charge of {$130.00} was reapplied to my account. XXXX has terrible reviews on XXXX and other places on the internet. They have allowed fraud and not proven that they are competent to manage consumer credit. I authorize {$57.00} to be charged.
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: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Received a bank reliacard without asking for it, wanting it or having an account associated with it. Tried to fix with number provided but first request was for a phone number-did not provide one as concerned this is a scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17036
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had made an overpayment of {$2200.00} on my credit card account that ends in XXXX. I requested the overpayment to be sent to me which the rep assured me she processed. A week later when I still didnt get my refund check I called them again. After being routed to several persons they told me that they refunded the payment to my bank. They told me to wait several more days. Now 2 weeks later I still dont have my refund and upon calling them, they told me that they cant provide me any tracking information and for me to check with my bank since they sent it back. My bank doesnt have it and now Im short {$2200.00} which I desperately need it to pay back another bill.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75019
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
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 ReliaCard Debit VISA for Colorado unemployment payments that was not requested by me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80104
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My XX/XX/XXXXunemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I had no access to my card or money. There are {$3100.00} were used in XX/XX/XXXXBut I live in XX/XX/XXXX and have never been to another state and was in college. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-16
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 Debit Visa card from US Bank ( I have never banked there ) This is a Relia Card for the Ohio Unemployment Insurance Program. ( I have never lived, nor have visited the state of Ohio ever ) I believe someone is using my name and good credit to get government funding for fraud, and I'd wanted to report this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85086
Submitted Via: Web
Date Sent: 2020-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A