Date Received: 2020-10-28
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Debt included in Chapter XXXX discharge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WY
Zip: 82009
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: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/XXXX I call US BankRelia Card about some unauthorized charges that was on my account. I was just told that I would receive a New Card in the mail within 5 to 7 business days. When I received my New card in the mail, I tried to activate my account and come to find out that my account is disabled and inactive to where I can not Log in my account. I called them to find out that They want me to send them proof of my identity and send them my W2 form. I sent them my information everything that they asked for and my account is still inactive. I have XXXX on my card account that I cant even use and Im being given the run around to receive my money l
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 776XX
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: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I did not see the direct deposit option when signing up for unemployment benefits through the State of Maine, so they sent me a US Bank Card. I have since changed my information with the Maine department of Labor - they are now doing direct deposit. However I have XXXX on the US Bank card I wish to transfer into my bank account. I do not wish to use the card provided by the government. However when I log on to US Bank to inquire about closing the card account and transferring the funds, they only provide a phone number to call. ( XXXX ) When i call this number, I am disconnected after a few minutes ; I am never able to talk to someone about my card or this problem. There is no email to contact US Bank Reliacard staff.It feels a lot like fraud as every number included on their letter XXXX including the one for the CFPB XXXX ) disconnects you after you call it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 04901
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XXXX locked my card and will not unlock it advising me that I need to send in proof of who I am when I have already done that with the local government! Who do they think they are to lock someones money up its been a month Ive sent in information and still my card is locked. My card has thousands of dollars on it!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33617
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I just wrote a 10 page explaining my problem and it deleted when I went to upload. Y docs. So just read my disputed it says is all
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
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: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: ELANFINANCIAL SERVICE IS REPORTING A FRAUD ACCOUNT ON MY CREDIT REPORT. I'VE NEVER OPEN ACCOUNT WITH THIS COMPANY I HAVE NEVER WENT INSIDE ANY BANK TO OPEN ANY KIND CREDIT CARD WITH THIS COMPANY AND I HAVE NEVER WORK FOR XXXX XXXX THIS COMPANY DOES NOT EXIST IN XXXX TN THIS COMPANY HAS NEVER PROVIDED ME A COPY OF THE APPLICATION NOR HAVE THEY PROVIDED ANY ID FOR THIS ACCOUNT THIS NEEDS TO BE REMOVE FROM MY CREDIT REPORT I WILL NEVER GIVE NOR WILL I STOP DISPUTING THIS ACCOUNT I WILL BE CONTACTING MY ATTORNEY.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
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: Trouble using the card to pay a bill
Consumer Complaint: I RECEIVE UNEMPLOYMENT BENEFITS, I REPORTED TO UNEMPLOYMENT OF ADDRESS CHANGE THEY UPDATED MY INFO, AND USBANK RELIACARD WITHOUT ANY COMMUNICATION BLOCKED MY CARD, ONLY WAY I FIND OUT MY CARD IS BLOCKED AND INFO THATS NEEDED ONLY WHEN I TRY TO PAY MY BILLS AND GET DECLINED KNOWING I HAVE FUNDS BUT RELIACARD HAVE BLOCKED MY ACCESS BECAUSE THEY WANT PROOF OF ADDRESS CHANGE. I PROVIDED THEM WITH THIS ON SEVERAL DIFFERENT DATES XXXX XXXX ... .ON XXXX, I RECEIVED A RESPONSE LETTER FROM THEM STATING THEY RECEIVED MY DOCUMENTS AND NO FURTHER ACTION IS NEEDED. XX/XX/XXXX MY ACCOUNT WAS DEACTIVATED AGAIN, I CALLED AGAIN ASKING WHY NOW, EVERY REPRESENTATIVE TOLD ME SOMETHING DIFFERENT, AND YOU CAN NEVER TALK TO THE PEOPLE THATS ACTUALLY BLOCKING YOUR ACCOUNT TO SEE WHAT IS IT AND WHY IS THIS HAPPENING, THEY CONTINUE TO TELL ME TO POVIDE PROOF WHO I AM, I HAVE SEVERAL TIMES I EVEN WENT ON THE VERIFY.USBANK.COM/ID.RETAIL ON XX/XX/XXXX AND ANOTHER XXXX ON XX/XX/XXXX TO UPLOAD MY ID AND TAKE A SELFIE WHICH IS STUPID BUT I DID IT, THEY HAVE YET TO RESPOND TO THEM. I WAS THEN TOLD ON XX/XX/XXXX TO RESUMIT MY DOCUMENTS AGAIN AND I DID XX/XX/XXXX ... I HAVE MONEY THAT I CAN NOT ACCESS, I AM A MOTHER OF XXXX AND WE ARE IN THE DARK BECAUSE OF THIS NONSENSE. THEY SAY THEY NEED TO KNOW I'M WHO I SAY I AM WHAT MORE DO THEY WANT, I PROVIDED ID FRONT AND BACK, I PROVIDED LEASE, SOC SEC CARD, TAX INFO FOR XXXX. THEY HAVE MY EMAIL AND ADDRESS AND TELEPHONE NUMBER BUT YOU NEED TO PROVE WHO I AM AND IM SENDING DOCUMENTS IN AND IM GETTING NOWHERE IN THE MEANTIME BEHIND ON MY BILLS AND SHUT OFF NOTICES. THEY ARE VERY UNREASONABLE AND UNPROFESSIONAL AND UNORGANIZED TO MAKE THIS BIG HASSLE OVER AN ADDRESS CHANGE, THIS IS NOT NECESSARY TO HANDLE MATTERS THIS WAY, NO COMMUNICATION NO RESPONSES, JUST SILENCE, THERE'S ALREADY HARD TIMES WITH THIS COVID AND THIS COMPANY HAVE DONE NOTHING BUT CONTRIBUTE TO MY STRESS, NOW ME AND MY CHILDREN ARE IN THE DARK BECAUSE OF THEM HOLDING WHAT BELONGS TO ME. IM ASKING FOR ASSISTANCE AGAINST THIS COMPANY TO RELEASE MY FUNDS SO THAT I CAN PAY MY BILLS, AND I MAY NEVER EVER DEAL BUSINESS WITH THEM AGAIN AND WOULDNT RECOMMEND THIS COMPANY TO NOONE.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72401
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: This happen to me XX/XX/XXXX my card got hacked the card that was hacked threw my checking account my bank was US bank it wasnt a lot of money I think it was around 100 well the bank canceled my debit card and I went to the bank and got another one till they sent my other one out I went online to do a couple of loans places around me they said I do them online because No one was allowed in their business right now I thought when some places called me back cause I borrowed money on XX/XX/XXXX it was XXXX I borrowed it was legit Then I also got another u thought was legit called and said I was approved XXXX hundred dollars and I was moving and it would have helped a lot so the next day it was deposited in my account XX/XX/XXXX and I went and took of XXXX that morning and went head and both loans I paid everything I paid my building off and paid the moving trucks I had to rent I paid my rent and the deposit for the first month and I had to pay my electric and water to be hook up plus I had my telephone and internet and tv hooked up well I ran out of money so I went online and was going to pay it out of my debit card and my account was frozen so I called the bank they told me what had happened that someone deposited XXXX hundred in my account they said put my name on a stitumus check and it was a scam I didnt know do they told to call the fraud company with them I did they said feel out the papers when I got them and they was going to get everything took care off which they have been wonderful threw all this and I did all that I also started getting msgs threw my phone him saying that the cops are going to arrest me and everything I even took the pictures of everything told him I knew what he did and that bank was handling everything so and my baby got his stitumus check on XX/XX/XXXX too and it was already money gone out the account were I got hacked before this well I get my little boys SSI CHECK threw this account and I tried to have it stop threw the social security administration office but it was to late in the month she said if the account is frozen they will send my babys check back and they would deposit the check in my account I had to open well I had to make arrangements for one loan place to take the money off my new account and were had already tried my old account they thought I wasnt going to pay so they put my loan amount went from XXXX to XXXX with late fees and plus the bank deposited my sons check on the second day of XXXX so I tried to get it back from the bank they would not. Cause of the holds on it the branch manger would and by this time all the money that i reported about was back on their and the branch manager told me this which went on with her for two weeks that I wasnt getting my money my account was XXXX cause I had to pay him back which I explained to both the bank and fraud department that it was only supposed to be XXXX dollars for 5 years and that I had already used the money before I knew it was a scam and I couldnt get it all back it didnt matter to the branch manager she was rude called me some names and told me I wouldnt see a dime of my money and so I lost my home at the first of XXXX and I filed four complaints on her no one ever called back and then when I called the bank they wouldnt let me speak to her and it went on well I got a paper from the bank they gave home slll the money which was XXXX dollars and paid him XXXX the bank did now my account in negative and no one help me at all the only ones was the fraud department and the fraudulent department
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41501
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I have signed up with US Bank for the following checking account promotion : Earn {$300.00} when you open a new Platinum, Gold or Easy Checking account and complete two or more recurring direct deposits that total a minimum of {$2000.00} and enroll in eStatements within 60 days of account opening I have completed the terms by XX/XX/XXXX ( posted 2 direct deposits of more that XXXX and enrolled in eStatements ). I have not received a bonus yet. I have contacted US BANK on XX/XX/XXXX, asking them where my bonus was. I have received the following response : " Hello XXXX, Thanks for reaching out about the bonus funds. My name is XXXX and I feel the desire to know when the bonus will be paid. I looked over the account and do see a promo code attached. However, the code that is attached is for a promo that ended on XX/XX/XXXX with different requirements than what you mentioned below. I did find the promo you referenced below. This promo started on XX/XX/XXXX. As the account was opened on XX/XX/XXXX, sadly you do not qualify for either promo. This means the {$300.00} bonus will not be paid. I apologize for the inconvenience this may cause. '' I did, in fact, signed up on XX/XX/XXXX, from US Bank 's promotional page. I will even received approval letter from them on XX/XX/XXXX. I will attach it to this complaint. US Bank is acting shady and is not being honest and straightforward with me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My USBank reliacard was " locked/deactivated for fraud protection '' on the XX/XX/2020. I am the cardholder, and I have been the only one who has had access to it. I did nothing unusual to give USBank a legitimate reason to lock my card/withhold my money. I have called the number printed on the back of my card EVERY single day, at least TWICE PER DAY, with the intent and request to have this " Block '' REMOVED, so I may continue to use my card and have access to MY funds on it. Each time I spoke with the reliacard representative, I have told them to remove the unnecessary " Fraud protection Block '', as I have been the only one using my own card. Then they told me to upload pictures of my i.d . and a live selfie to their website..AND I DID THIS ... 3 TIMES! The Rep stated that in 48 hrs max AFTER SUBMITTING THIS it will be REACTIVATED. Well, almost 2 weeks have gone by and they HAVE NOT UNBLOCKED IT. THEY SAID THEIR " OFFLINE " team are the ONLY ONES WHO CAN unblock the card ... .and yet they do not give their number for me to call ....! THEY ARE HOLDING MY MONEY FOR NO VALID LAWFUL REASON! AND LYING TO ME ABOUT UNBLOCKING IT! I have a serious XXXX XX/XX/XXXX that I have to pay for the MRI/SPECIALIST visit for in 2 days and I am denied my rightful access to my money to pay that bill with! Not to mention NECESSITIES required to live, I can not buy anything and am starving because USBank is illegally withholding my money, .and it says NOWHERE on their cardholder disclosure form that they would pull this XXXX. I have asked to speak to supervisor and they say the same lie, blaming it on their " offline '' team ... THAT MAY OR MAY NOT EVEN EXIST! PLEASE help me with this, I have tried everything I know to do to resolve this..I do not know what to do. I am very upset and struggling due to this inconvenience ... I have been WRONGED by this dishonest bank run by Con-Artists. They are illegally withholding my money! Would you please help me? I know I am not the only one going through this either. Thank you for your time, and for listening. You may call me if you'd like at any time. XXXX XXXX XXXX Reliacard debit prepaid cardholder
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78704
Submitted Via: Web
Date Sent: 2020-10-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A