Date Received: 2020-11-09
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I received my new Us Bank Reliacard on XX/XX/2020. I could not activate it online so I called cardholder services and was able to activate the card but was told my card was locked for security reasons. I asked what I needed to do to unlock it, they said I had to upload my ID and social security card. Which I did while on the phone with them. I was told it would take 24 hours to unlock my card. 17 days prior to that ( XX/XX/2020 ) I had already uploaded those same documents plus my lease to my new apartment due to the card being locked because I changed my address. Its Now XX/XX/2020 and my card is still locked. I haveXX/XX/XXXXsmall children and I am running out of food. I need to take care of my children with that money. My phone was shut off and my cable is next. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19151
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Unactivated my reliacard so I cant use my unemployment benefits. I have done everything I was asked to do. I sent in 3 separate faxes proving who I am based on they're request and my account remains inactive. They have told me it was an address change that caused this but they sent my card to the wrong address and it was returned to first time causing a major delay in receiving my card so they requested a different address and now I cant use my card because of that. I've spoke with numerous people. XXXX and XXXX were the last I spoke with and continue to get no where. This is hurting not just me but my children as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80919
Submitted Via: Web
Date Sent: 2020-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: The first call was a woman that Claimed to be a process server for XXXX XXXX XX/XX/2020. Phone number she called from XXXX. She claimed to have papers for me and I needed to contact her right away. After that first call Ive gotten several calls ( 4 to 5 times daily ) from a man named XXXX XXXX. Said he worked for a law firm. Phone numbers ; he calls from an anonymous phone number, one right after another before he will leave a message. Then he will call from these other numbers XXXX, XXXX ext XXXX, XXXX. These harassments are daily. He wants me to pay him for a US Bank debt of {$3100.00} by a docu-sign email he sent me during the first conversation I had with him. The pressure from him, the degrading threats have caused me into serious XXXX. He told me I was served in XXXX and my case number was XXXX XXXX. He then told me my court date was XX/XX/XXXX at XXXX. But I should pay him now with the XXXX and I wouldnt have to go to court. I was never served any documents from the court. I gave him my credit card number and I have since shut that card down. After I got off the phone I was shaking. He said things degrading me and that I should of been paying my bills. After I got to thinking about my debt I realized that I only had a checking/saving account with US Bank so I called them with all the information he gave me to see if I owed them anything. I didnt have any debt with them. I called the court house and spoke with XXXX to see if I was served and if I was supposed to be in court on XX/XX/XXXX at XXXX and gave her all the information. She said NO and those numbers are false because their document have letters in their case numbers and they dont do civil cases on a Wednesday. He keeps threatening me with filling papers with the court if I dont pay him and legal action will be taken. My husband told him to serve me properly and we will discuss this all in court and to stop calling. But still he continues over and over. I called the State Bar to see if this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX was even a law firm. Its not. The XXXX XXXX told me to call the district attorney office inXX/XX/XXXX to see what they could do and so far because of my work schedule I missed her phone call but desperately want to speak with someone there. Yesterday, XX/XX/2020 he threatened to call my work and harass me there. I had to speak to my boss and let her know what is happening and its humiliating. Im tired, with constant anxiety and fear this man is going to come to my home or work. If this was legit I would face it but its not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 960XX
Submitted Via: Web
Date Sent: 2020-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-08
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: On XXXX, XXXX, XXXX, I tried to log into my USBankReliaCard through Oregon.gov Pandemic Unemployment Assistance. I wanted to check my balance and inquire about a missing weekly payment. I was unable to log in to my account. I called the USBankReliaCard representative. They said my account was locked. So, I am unable to buy groceries, pay rent, use the ATM. My account should not have been locked. It is a major inconvenience! I do not understand why they locked my account. My statements showed I used my ReliaCard to buy groceries in XXXX and XXXX, but I used my other personal USBank account in XXXX out of habit, and I wanted to save up some money on my USBankReliaCard anyway. ( I have had a personal USBank account since XXXX. ) I was told to be able to unlock my card, I had to send pictures of my driver 's license ( front and back ), ReliaCard ID number, passport, social security card, a selfie, and a medical bill with my new address on it since my driver 's license was my old address ( I moved to my current location in XX/XX/XXXX XXXX that's been the same for over 15 years ... I submitted my address change from my old address to the new address in XXXX. USBankReliaCard has a record of the transaction as they keep track of account updates. I uploaded the requested documents and called the USBankReliaCard representative again after 2 hours. They confirmed receipt of my documents and said they will unlock my account 'pending approval '. This is very unnecessary harassment towards me. I think USBankReliaCard should have crosschecked me at USBank as they would have seen I have a personal banking account with them. They have my address ( old and new ) and my signature on file. Why are my funds being hijacked by USBankReliaCard? I need my Pandemic Unemployment Benefits to buy food, pay rent, use the ATM to get come cash, etc. This is not how USBankReliaCard should conduct business by making my life more miserable without my having access to my funds that were provided me to live on through Oregon.gov. For XXXX, I wanted to pay rent by sending funds to pay my landlord, and I could not buy food today when I went to XXXX XXXX to buy groceries. The USBankReliaCard was declined twice! Now I am late on rent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/2020 I purchased a {$50.00} Visa Debit Gift card from the XXXX store on XXXX XXXX XXXX XXXX XXXX. My intention for this purchase was to order a few items online that I could not find in a few of the stores. I went to XXXX XXXX on the same day I purchased this gift card. Once I got into the store I found the items that I had wanted to purchase online as well as a few additional items. My total purchase came to {$100.00} and I told the cashier that I wanted to use my {$50.00} gift card to go toward the bill, this would have left me with a {$55.00} balance to pay from my checking account. The cashier instructed me to swipe the gift card which I did several times but the card kept being declined. I explained to the cashier that I had activated the card backing the number listed in the back of it. So the cashier attempted to type the card number into her register and again it declined. The line was getting longer and longer with customers. I paid the full balance of {$100.00} from my checking account. When I returned to my vehicle I called the number on the card and spoke with a representative and explained to her that I could not use my activated card in XXXX. She asked me for my account number on the card, I read it to her and she stated I see it as being activated, but the reason why the card kept declining was because your purchase was over your {$50.00} gift card amount. I explained to her that I thought the card would have subtracted the {$50.00} off the amount leaving me {$55.00} to pay in another fashion. I further expressed my concern to the representative that the little disclosure that came behind the card did not indicate that a customer could not use the card in this fashion. I asked to speak with a supervisor. A male supervisor came on the line and I explained to him what had just happened at XXXX and how embarrassing, and mislead I felt about my purchase of visa gift card, and that it would be nice if the company could add to the disclosures that you are not allowed to split payments up on purchases that are over the amount of the gift card in hand. I asked him if he could file a complaint on his end for me. The supervisor hung up on me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72076
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Today XX/XX/2020 I received a US BANK Relia card in the mail. I did not apply for any such card and my identity was stolen a couple years ago so I know this is fraud. I tried to call company number but I could not speak to anyone without the automation trying to get me to activate card. I just want to be sure card and account is marked fraud and closed. Please help me. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 781XX
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have a US Bank Focus Card from my employer. On XX/XX/XXXX the card did not work though I knew I had funds. I called and was told my account is now inactive pending a review by the XXXX team. I asked to speak with them and was told they have no contact for this team as they are completely offline. I asked how I resolve the issue quickly. I was told to fax my Social Security card and my driver 's license. I faxed the documents on the XXXX of XXXX. I called again and was told it can take 24 to 48 hours to receive the fax. I called again I was told that the fax was received on the XXXX but it could take up to 5 days for processing. I call everyday and get told that the XXXX team is still reviewing or have not yet as my card is still inactive. I received another deposit on the XXXX and my account balance shows the funds available but they still have not made my card active. I have called and emailed the corporate offices and received an email back yesterday ... umm ... that the XXXX that they would forward my complaint to someone who could help me. I just want to have access to my funds so I dont lose my home as my landlord needs his money and nobody seems to care that 2 weeks is to long without access to your own money. I will take my business elsewhere and get direct deposit changed but I need this resolved immediately so I can take that action. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: A formal complaint against U.S. Bank Reliacard and Bancorp division I have received such horrible services over the phone usage to file a dispute with this company and for the length of time it have taken me to submitted documentation and faxes to dispute a XXXX XXXX unauthorized transaction in the amount of {$11.00} and {$61.00}, ATM {$400.00} my card was lost and stolen with my purse but apparently U.S.Bank and employees after opening the claim had denied the claim then I had to resubmit the accepted then later claim was reopened then they gave me the run around there was two more transaction that had occurred for a deposit XXXX refund at XXXX XXXX XXXX but the provisional credit was granted on XXXX XXXX then later the disputed department had pretended they couldn't see my TDL or find the XXXX XXXX transaction seriously {$11.00} and {$61.00} ATM XXXX unauthorized transaction as of today they had me resend the information to there fax the lies that XXXX team in fraud department was behind had over a XXXX charge back customers and couldn't get me at all and XXXX XXXX when they official said the provisional credit was approved they had me to wait another 10 days then Uplined team had requested me to verified my address which had never changed since then and mobile to face and upload Texas Driver license like-wised how they sat there may me wait for three transaction in the Disputed department have failure to process the claim in a timely fashioned and U.S. Bank is using Relicard as a third party disgruntled employees who lied on customers is ridiculousness to put the account in a limbo status as the Disputed team claim to had escalated the transaction but as of today still give me the run around after a whole month and now saying there nothing they can do and is not a guaranteed a provisional credit will be granted at all at this time and the staff is inconsiderate and have no compassionate to respecting a loyalty customer. I'm requesting these transaction that being disputed to be credit to the account they must honored the provisional that was qualified since XX/XX/XXXX thru XXXX XXXX this is most worst experiencing to have to called numerous of time to get them to do their duties correctly instead was a discrimination issues and poor communication including lack of knowledge they had no one to via email or called to process the provisional credit a wasted of time to have so many people answered the phone at U.S. Bank Relicard but nothing was working. just replicated of inconsiderate employee who don't know how to do their jobs at all and need to be retrained and very unprofessional. Resolve the issues is to honored the the provisional credit that was supposed had occurred on XX/XX/2020 thus should been credit back to my account over a month ago instead there now telling it not a guaranteed and are liar a breach if contract and ethic violation. U/S. Bank need to have a superior to check on Relicard department I was told because there was a re fax document on the XX/XX/2020 then I have to wait another 10 day why the corruption if a customer send a fax on the 10 day they have start all over again a Hypocrisy Tier 2 pretend she was a supervisor and then told me to wait until the investigation is over is unacceptable and nothing she can do or anyone else in the Disputed team. Fix the issue immediately this has exceeded the 10 day window FDIC guideline violation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called into US bank regarding a dispute I needed to file when I spoke with customer service the representative was rude and a nasty lady on the phone. After telling her I was not going to keep repeating myself since she was not listening to what I had to say I asked to speak to her manager and she hung up on me. When I called back to customer service and spoke with a manager she seemed as if she didn't give a XXXX that my legal right to dispute a transaction on my account were violated and acted very nonchalant as if it was just ok with an apology and a whatever. Just nasty trashy low class customer service. I will be filing a complaint with the A.G. 's office and every other regulating agency over this type of illegal banking practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-07
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 Card from XXXX to find out it's an unemployment card that was fraudulently requested as I am not unemployed. XXXX is trying to close the account and hopefully notifying the Colorado Unemployment office and I will try too. I have frozen my credit accounts and need to make sure someone goes after this fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80138
Submitted Via: Web
Date Sent: 2020-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A