Date Received: 2020-10-29
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 an unsolicited prepaid debit VISA Reliacard in the mail XX/XX/XXXX from US Bank. I did NOT activate the card. I tried calling US Bank to cancel the card but havent been able to reach an agent. The card has my name ( without middle initial ) and was mailed to my current address. Searching online revealed that there is fraudulent activity going on with these Reliacards that are being used for unemployment payments in Colorado. I dont and never have lived in Colorado. The only time I was on unemployment was in XXXX. I received an early retirement package from a large company in XXXX and now I am a XXXX XXXX XXXX. I recently worked for the XXXX XXXX XXXX but no longer work there. There was fraud on two of my XXXX account debit cards in the past year. Both cards were issued to my husband and were activated but never used. Both were cancelled after working with the bank ( not US Bank ) to clear the fraudulent charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 342XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
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 usbank reliacard in the mail and i did not request one. I am not unemployed and I did not request this card. I need the account closed immediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21702
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I have been trying to deal with XXXX XXXX XXXX and their conversation to US Bank and US Bank has refused to provide me any information on my account. I have tried calling, emailing, sending XXXX messages, and asking for a manager and have reached out to their regulator and still have received nothing about my account. I fear that as a XXXX minority that I am being ignored. I have been told that to get any information on my account I have to drive from the XXXX NY area to a physical branch. I have requested paper copies of the disclosure and the account information that they have told me they would provide. They have to date refused to provide me with any disclosures on my account as apparently they are required to provide according to XXXX XXXX XXXX I have called them over a dozen times and they have not helped me. I have reached out to you and all you do is forward me a copy of a letter telling me to contact them. As a XXXX minority who lives several hundred miles away from a US Bank Branch it is hard for me to get to a branch and I simply have asked for a reasonable accommodation to obtain information about an account I was never told would be transferred to US Bank. I fear that this is some unfair sales practice designed to steal my money. Please help me find my stolen money. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 12144
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I received a settlement offer from US Bank that gave me until XX/XX/2020 to pay {$870.00} to settle a debt of {$2100.00}. The offer had a return address of XXXX. I sent the requested funds via a money order to avoid arguments about the funds clearing. I took the settlement letter and funds to the US Post Office on XX/XX/XXXX to make sure it went out and to be sure it would arrive before the deadline. The US Post Office told me that zip code does not exist so I call US Bank and received assurances from them that they would receive it if sent it and my funds were delayed they would still accept them as my settlement. US Bank then did exactly the opposite of what they told me. They received my funds and didnt give me a settlement but accepted it as partial payment. I argued with them about the bad zip code, the delay and their promise to accept the payment, nothing. It was dishonest of them to give me a bad zip code then tell me everything is fine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89002
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-29
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I leased a vehicle through US Bank. The lease ended in XXXX of XXXX and I opted to purchase the vehicle from US Bank. On XX/XX/XXXX, I sent US Bank a cashier 's check for the full {$22000.00} purchase price of the vehicle that I was quoted. {$1200.00} of the full {$22000.00} purchase price was listed in my itemized quote as the sales tax collected by US Bank for the sale of the vehicle. Approximately two weeks after I mailed the full payment check, US Bank mailed me the documents necessary to transfer the title of the vehicle. Included in the documentation I received was a cashier 's check from US Bank in the amount of {$1200.00} to be used to make the sales tax payment during the title transfer. While transferring the title at the XXXX XXXX XXXX on XX/XX/XXXX, I was informed that the {$1200.00} check from US Bank was made out to the wrong entity and could not be used as payment for the applicable sales tax for the title transfer. At this point I paid for the sales tax on my credit card, completed the title transfer transaction, and destroyed the now useless check from US Bank. I have called US Bank customer service several times over the past 8 weeks to request reimbursement for the {$1200.00} sales tax, but I have been completely ignored after each call. I keep getting told to call back in a few days to check on the status of the check issuance, but no action by US Bank is actually taking place. I've been consistently assured that status updates will be provided, but no status updates have been provided by US Bank. I've paid the sale tax for my vehicle twice over at this point due to US Bank 's cashier 's check error. I am turning to the CFPB to help me escalate this issue with US Bank so that I may finally receive my long overdue reimbursement.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19061
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
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 was mailed a USBankReliacard Visa Debit card out of the blue. After researching it a bit I activated it thinking I was either going to get COVID stimulus payment or just setting it up before I retire ( next year ). I received a deposit two days ago ( XX/XX/20 ) of {$480.00}. I thought that was weird. After doing more research I found out that it is for Unemployment Insurance for the state of Ohio. I live and am still working in New Jersey and have never applied for benefits. I called USBankReliacard and they canceled the card. Now I am reporting this to you as I believe my information has been compromised.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08520
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: This is the third time I am filing a complaint regarding US/Bank Reliacard Utah unemployment benefit. Please see complaint # CFPB - XXXX. The company said they resolved the issue, but they have NOT. They requested I fax them my valid government ID, SS card, and XXXX, and include the Card ID # XXXX, which I did. They did not tell me in their letter that I had to enlarge the documents by XXXX and reduce it to the lightest point. So I waited almost a month and contacted Reliacard, at which time they informed me that I needed to refax with the above instructions, which I did on XX/XX/XXXX. They said they would then send me a card. I called on XX/XX/XXXX and talked with XXXX in XXXX. She confirmed that they did receive my fax verifying my identity and that it had been approved. However, she said they had " locked '' my account so no one could get access, which I appreciated. She said she had to escalate the unlocking to management and that if I called back on Monday, XX/XX/XXXX and she could order a card expedited. I called on XX/XX/XXXX and talked with XXXX who said he couldn't find the account, that everything had been deleted. He could not help us. I hung up and called two more times, finally talking with XXXX, who found and verified the account easily, and said she could order a card expedited but had to send it to a manager. Called back on XX/XX/XXXX to see if card had been ordered, call was disconnected. Called again and spoke with XXXX at XXXX XXXX. She said she would order the card and confirmed that the order went through. Instructed me to call XX/XX/XXXX ( today ) and they could give me the tracking #. When I called they said they needed the password I had given them the day before. We NEVER, IN OVER 30 CALLS, going back to XXXX, was asked for a password and explained that we did not know what they were talking about. They said they could not help. I begged them to transfer me to a supervisor or manager. They put me on hold for 2 1/2 hours before call was disconnected. Reliacard customer service is the worst I have ever experienced. They have used every excuse possible to deny or delay getting me a card. I have attached several documents showing what I have done and communications without any resolution. Even with the first complaint I filed, they used the excuse that they couldn't respond because I had asked them to try to contact me through my sister and they told me I had to refile the claim because I'd mentioned her name. I refiled and then their response was that they already resolved the complaint ... which they had not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84120
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I am an Ohio pandemic unemployment recipient. My funds have been frozen on my usbank reliacard since XXXX. 2 payments totalling XXXX are being held after verifying my identity several times. They have requested my State issued ID, proof of social security, tax documents, and a selfie, all of which I've sent. These are the same documents that Ohio unemployment insurance accepted to verify my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43607
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Due to COVID, my tenants unexpectedly breached their lease and I wanted to take advantage of the Federal COVID relief by forbearing three mortgage and interest payments on my loan. This was verbally discussed with my lender, US Bank, and they didn't charge me late fees for this period. I got new tenants and resumed payment on my loan on XX/XX/2020. I paid my XXXX and XXXX payments ( mortgage, interest, escrow for taxes and insurance ). US Bank submitted a Payment Deferral Agreement to me on XX/XX/2020 for a deferral of 5 months. I've spent hours on the phone trying to get them to change the Deferral from 5 to 3 months and they have been unable. Today I lodged a " formal internal complaint '' with them and created this CFPB complaint in an effort to get this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2020-10-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-28
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On XXXX, I received a letter in the mail. When opening the letter i realized I received a US Bank Reliacard XXXX XXXX card in my name. The back of the card states it is from the Ohio Unemployment Insurance Program. I am not a Ohio State resident and I have never filed for unemployment. I would like to file this and cancel the card, but every time I call the US Bank number, i can not get through.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A