Date Received: 2020-10-26
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: This prepaid card receives my Pennsylvania unemployment benefits. On XX/XX/2020, I scheduled a transfer in the amount of {$2100.00} from the card to my personal checking account at another institution. The card did not make the transfer and, instead, totally froze the account such that I have no access to any of my unemployment funds which are deposited with the card. On XX/XX/2020, I contacted the card 's customer service by telephone and inquired why the card had been frozen and was told that I needed to submit identification documents to the card. On XX/XX/2020, I uploaded photos of my drivers license and social security cards to the card 's website portal as was requested by the card 's customer service representatives. Nevertheless, my ability to withdraw any funds whatsoever from the cards remains restricted and I have no access to any funds from the card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 156XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Hello My Unemployment Usbank Reliacard has been blocked for over 7 days. I have sent in numerous verification documents as requested by the bank to have my unemployment bank card unblocked but still no resolution. I have attempted to contact every source for assistance but still no resolution. My unemployment card is the only source of income that I have. I have sent to the Usbank my personal photo, my identification card and a copy of my home rental lease to also proof identity and residence. This is causing serious issues as I am not able to take my autistic son to see his physician and attend his therapy appointments because I cant use my Unemployment Usbank Reliacard. Any help would be greatly appreciated. Thank you in advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: I have a ReliaCard, my card has been locked for a month now. I cant pay any bills because my card is locked, I am having a rough time. Please help ... its been locked since XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17403
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-26
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I was out of work with no pay because of the pandemic and I decided to take advantage of zero percent interest rate balance transfer with three percent transfer fee checks received from my USBank credit card to be on time with all my mortgages and other payments. All the transfer was made to my account by XX/XX/2020 and I started my payments through my bill pay from my checking account on XX/XX/2020. Because a problem on my bill pay service, the credit card did not receive my second payment on XX/XX/2020. An agent called me to request a payment on XX/XX/2020 and a 2 month payment was made XXXX for XXXX and XX/XX/2020 ). On XX/XX/2020, I called USBank to discuss my options, because I knew I would loose my interest rate if I was late with my payment. The agent that I talked to said they could keep my zero per cent balance transfer interest because It was the first time I was late and everything was fine. I made sure that I would keep the low interest rate and he said he was sure about it ... I kept my regular payments that was scheduled through my pay bill from my checking account ... OnXX/XX/2020 I got a call from USBank saying that I was late with my payment again requesting a payment. I did not understand what was going on, because my payments were been sent by my bank every month. This time I found out that I lost my interest rate that went to around 30 percent a year. I took loans and found a way to pay all my balance. Today I decided to review my account and realized that when I made the call on XX/XX/XXXX, they did not keep the zero percent interest rate as the agent confirmed. I called USBank and asked the agent to review my account and explained all the situation. The agent found my call on XX/XX/2020 and said she could not find what was decided that day. I was transferred to a manager and she said she found my call on XX/XX/XXXX, but that there was nothing that they can do and I had to pay all those fees and interest charged. I paid a total of U {$2400.00} plus the interest that I had to pay taking loans from other credit cards to pay the full balance with USBank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92648
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have been trying to get access to my locked reliacard account for over a week and sent in all documents for verification of my identity, I have talked with supervisors and emailed over and over with no resolution. This is my unemployment money and all I have to live on I live in a hotel and was not able to pay the fee I am now homeless, my cell phone is off, I dont own a vehicle. This card was locked and I was not even using. No one can help me at all when I call and they dont know anything. I need my money please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77301
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: In XX/XX/2017 I contacted my mortgage company US Bank and informed them that I was unemployed and to get help so I wouldn't loose my home they put me on an forbearance and it took them over a month to contact me back and set me up with a caseworker, I got a job XX/XX/2017 working for the XXXX XXXX XXXX was put on repayment plan paid back every XXXX making double payments paid it off a month early. But they reported to all credit bureau 's that I was late every month I was on forbearance including while I was waiting to get a worker to get everything set up while I was working with then for help and now I need repairs and wanted to do upgrades on my home but no one will give me a loan because they have 7 late charges on my credit reports. Please help banks shouldn't be allowed to do this when a person on forbearance. My credit score is good but this hurting my chances with loans I have been turned down twice because of this I have XXXX of equity in my home and can't get an home equity loan or personal loan because of this please help. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43213
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I had a XXXX charge that I tried to dispute so they cancel a card and sent me a new card and paperwork to dispute. I received the card and tried to activate and it wouldn't because they had froze my account. So they ask me to send my credentials which I did, and they said my Driver License was not acceptable, so I sent all information again every time they found another reason to steal my monies, this has been going on for over 2 months and multiple faxes to them and numerous conversation by phone. So every time I call they tell me I have to speak to a Supervisor and every time they hang up and it turns into I have to call back over and over again. All I want is my XXXX back I want the account close and a check mail to my resident which they have on file and my driver license info. This company needs to be investigated for fraud. I did every thing they ask of me and I still don't have my money. This is a dire situation I have rent food bills to pay and they rob me. now there telling me I have to send my w2 copies. I have sent my DL, birth certificate, social security. Why do they need my w2 ( which I don't have ) it sounds like they're trying to steal my Identity. What about the people that don't have the resources to know what to do. How many other customer have they done this to. This company has cripple me and left me with nothing, I lost everything over this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75234
Submitted Via: Web
Date Sent: 2020-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Trouble during payment process
Subissue:
Consumer Complaint: For over a month and many hours of holding talking and transferring to a supervisor in the tax dept and ZERO help and ZERO call backs from supervisors like XXXX and XXXX in XXXX and XXXX TX Im now at my phone hour limit on my cell XXXX which evidently a supv is not able to update but made notes about lol, and customer service has not followed thru and changed but they were communicated about so this is not the source of the issue so dont let them even try to use this excuse. They have a delinquent bill that city of XXXX reversed interest and fees for as I had not received a prior bill. I finally got the corrected amount and that it is the same numerically as the XXXX to XXXX bill but now understanding that it is a special bill that comes out randomly ever 5 or so years. I submitted it to be paid out of my fat balanced escrow with us bank who bought my loan from the original mtg lender and they are blowing me off. My acct number is XXXX their phone is XXXX the escrow has literally enough to pay this and likely enough or very close for bill in XXXX coming up for XXXX thats how fat the balance is. What is the worst is the careless and stale mating service during COVID when they should be helpful. This is an easy thing to fix! You have the bill you have the money this impacts me in many negative ways some too numerous to list.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23220
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-25
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: First I traveled on foot to 3 different ATM locations listed on US Bank Reliacard 's website, but there was no ATM at one of the locations and the other 2 support various bank networks, but not US Bank 's. I created an online account and finally was able to transfer {$6000.00} to my actual chosen bank account XXXX XXXX XXXX XXXX I have since been unable to transfer ANY amount it keeps saying the " Debit amount exceeds the maximum transfer amount '' even though I did this the exact way before. I even lowered it to 1/3 the amount just {$2000.00} and it still says the same. When I call customer service and wait for the option to speak to someone I was on hold for an hour when it hung up on me. I called twice today and as soon as you choose the option to speak with someone by pressing XXXX, it hangs up. Yes I called back and the same thing happened. I thought XXXX XXXX XXXX XXXX was bad but US Bank has to be the worst!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19104
Submitted Via: Web
Date Sent: 2020-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: Received a reliacard from US Bank that I never applied for or need. Called to learn that someone applied for unemployment benefits in Ohio and used my name, address and SSN without my knowledge or permission. Asked US Bank to deactivate the card and delete my attachment to any requests or involvements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94565
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A