Date Received: 2020-11-04
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: A transaction of XXXX disputed on XXXX XXXX.us bank reliacard services credited my account XX/XX/XXXX of XXXX and I received a letter stating the credit.with an apology for any inconvenience. My card has been inactivated and my funds frozen .i have called, spent over 20 hours speaking with representatives or waiting on hold. I have faxed documents sent self-identifying photos 5 different times to no avail.i need access to my funds to this day XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76065
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I have been receiving unemployment benefits but unable to aces my money due to u.s. reliacard bank licking my account. They locked it the first time in early XXXX and asked me to fax documents with proof of address in which I sent 6 pages of verification by fax and they unlocked my account so I asked for a card to be expedited because I had never received the first one and they let me pay the {$15.00} fee only to expedite the card in 2 days to be locked again. I immediately called again when I was unable to activate and they said another lock due to address was put on so I faxed again all of the verification pages for the second time and now I have been waiting almost a month and have also scanned my if and sent via online to them also with my address on it. I really am hoping someone can help me just get my account unlocked so I can use my funds to pay my bills. Thank you so much!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15210
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Other transaction problem
Subissue:
Consumer Complaint: I opened an XXXX XXXX XXXX account with XXXX XXXX on XX/XX/2020. This was done online. I used the XXXX App to transfer {$1000.00} from my US Bank checking account to this new XXXX account. The money was withdrawn on XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX stating that the transfer could not be completed. I was instructed to contact the financial institution that the funds originated from in order to receive my refund. I have since talked to branch managers and customer service from both XXXX and US Bank. They tell me that my money is being held by XXXX ( a third party company they use for bill pay and online transfers ) However, not one of those three companies is able to return my funds to me. I even filed a dispute with US Bank on XX/XX/XXXX which the denied about 2 weeks later. I am at a loss as to how to proceed from here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44483
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XX/XX/2020, I received a U.S. Bank Reliacard for unemployment. I am retired, not unemployed, and did not request this card. I have tried calling U.S. Bank at several different phone numbers to report this but each number requires me to give information over the phone that concerns me. I do not wish to activate this card. I want to report it as fraud and possible identity theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I have a credit card which is due the first of every month. My payroll is structured to my bank account on the first and fifteenth of every month. The last two times I made my payment on the day it was due. I always pay more then what the minimum is, I'm in Arizona XXXX and this company is on XXXX. They charge me a late fee because I did not meet their specific cut off time. I make my payment on the day it is due. The web page even stated payment date right on the payment page. They charged me a late fee because they posted it the following day. My payment was not made on the day after it was made the same day it was due. I emailed them and advised them that I make my payment when funds are available to my account which is that day. This is unethical practice I can understand if my payment was late but it is not. They use this time zone to collect late payments even when I paid it on the day it was due not the following day..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 863XX
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XXXX. XXXX. XXXX to be paid by XXXX. XXXX. XXXX : money to be transferred to an external account for one dollar. company states they will notify me if transaction is not made : I recieved no notification. Fraud department placed hold dt suspicious amount. refused to lift the hold. Requested I pay the full amount, although I have not transferred to the external account before. I refused the full amount. requested minimum. No value would be provided to me. Fraud person agreed to XXXX dollars. New transaction dates XXXX. XXXX. XXXX to be withdrawn by XXXX. XXXX no notification again, follow up again and the amount hold again. The bank is putting a barrier to me using my money. I have sufficient funds. I have asked a manager to call me. The staff have refused and will not provide a number. I have given up and notified that I am filing a complaint. Someone at that bank appears to have a bias and causing trouble for me. each call in takes atleast 42 minutes : I have the dates as follows : XX/XX/23, XXXX. I have called my local bank branch and they defer to the 1800 number stating they do not have time. I want my account investigated. I have banked with us bank atleast 20 years. I will leave as soon as one of my checks that was misappropriated is returned to me ( a payable check was deposited to the wrong account, that is why i was attempting to establish a transfer to account, service that is provided by this bank ... is not being preformed with no reason other than it is not enough money, but will not provide me with an amount that is enough ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95630
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have a Fidelity Rewards Visa Signature credit card from XXXX, and I have used it very often because every dollar I spent equals 2 Reward Points. Given this, I would think that I should have a lot of Reward Points now. However, last month, I checked, and I have no more than XXXX points. In my memory, I should have twice that amount, so I checked all of my statements. I found out that in the XX/XX/XXXX - XX/XX/XXXX statement I had XXXX total points available, but in the following statement ( XX/XX/XXXX - XX/XX/XXXX ), I had only XXXX total points available, including the 3,371 points from the monthly earnings. Thus, my points decreased by 450,000 over that month. I called the Fidelity Rewards Visa Signature credit card company at least twice, but they told me that they don't have the records for that time period. I didn't receive any email or mail to tell me that my points decreased by 450,000 points, and I'm very sure I didn't redeem the points. Could you tell me where my Reward Points are?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53144
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have been a good customer with Fidelity for over 15 years. During my time with them I decided to get a credit card from a Visa provider with the name of6 Elan Financial Services which I used as my main personal and business purchasing source. Due to our country 's trouble over the past year I had some issues paying all my bills but always stepped up to the plate and at least contacted them. I was given a personal individual by Elan who I was in contact during some hard times but we completely understood what my only options were. I assured her that I was selling some property which has been in my family for a 150 years just to get through my family 's financial problems. I first sent this message directly to Elan " On XX/XX/2020 at XXXX XXXX the following message was sent : I am almost able to pay a lot more then the monthly payment. I am selling some property and just listed it this week. Please try and hold off a little longer I beg you. Things are very hard right now and my family is struggling. I am selling property that my great grandfather owned and it has our family in torn places right now. The piece I am selling has a 850 year old oak tree and it tears me apart for having to sell it. The world is at a place where people don't understand why they are having to stay away from each other. But I am sure that we all will be ok soon. I will start contacting you every week with an update but I am sure it will be gone soon and I will have the money to pay you back. I'm one of the most creative people in this world but nothing needs creating. My homes are very unique and I have to get back to the place I belong ... .Thank you and God Bless '' and then talked with my agent assuring I would have it paid very soon. again she assured me I would not have my account closed. On XX/XX/2020 I paid my account up to date and was relieved. Well, so I thought. To this day it still shows I can use my card with everything showing as if it's still working. What I am very upset with is I am almost XXXX with no retirement in site and a credit score that went from XXXX to XXXX in two months because due to the closing it shows I am 269 % over my credit ability. I want justice and I want the stimulus money our government gave to this company. I also want our country to bring back service6 and help to all of us. People must stop relying on computers when it comes to emotions and when a person agrees with another person it must be followed to their understanding of what the issues are based on our governments verbal presentation on our problems. We need to get our live6s back to remain a human compassionate world or we all shall be blamed for destroying what god created. When a computer has the power to govern the laws placed on a companies policy with no feelings allotted for human error I promise you everything you see happening now is a small pain compared to the one which will come from our mistakes which deletes one human from caring about another. People may think whatever they want but one thing all of us do is cry when we are sad and smile when we are happy. Look around because no one is smiling and it is just the beginning of so many tears. Thank you I'm complaining about Elan Financial Services who neglected our governments rules due to the covid-19 Pandemic. XXXX XXXX XXXX. I've attach screenshot showing how my account still says I have available funds on card. Shows you how much these companies are in business with each other.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78216
Submitted Via: Web
Date Sent: 2020-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, my name is XXXX XXXX. I have a reliacard through US Bank. I was never able to activate the card because the bank requested that I send in proof of my identity. I've done that with confirmation on my end as well as US bank 's representatives. This has been going on for one month 's time that I haven't had any access to MY money. When I call they say they don't have an answer as to why my card is still in restriction status. I need help contacting this establishment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-11-03
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: In XXXX I asked XXXX XXXX of US Bank if he could help with a loan I was trying to get on a home in Montana. He said yes and connected me with XXXX XXXX of US Bank in XXXX. Btw both people are very nice and were cordial all thru the process. Closing was for XXXX XXXX, 2020. During the process I got to them all the underwriting items they asked for. They told me I had " Conditional Approval '' on numerous occassions. 2 weeks before closing they said they could not do the loan in the XXXX name as my XXXX brother in laws did not fit their underwriting guidlines. They said they could do it in my name though. I told them since day 1 I had a $ XXXX deposit that was not refundable. They knew this but kept telling me that they could close it. 3 days before closing they told me that their outside attorneys said they could not close the loan in my name if we bought it in the XXXX name. A complete reversal of what they said 2 weeks ago. Instead of closing on it with financing I closed with cash. what they did was VERY wrong. It was not XXXX it was her bosses who really XXXX with me. I dont want anyone to go thru this again and I want action taken against them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 341XX
Submitted Via: Web
Date Sent: 2020-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A