Date Received: 2020-10-24
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I was given a USBank ReliaCard that allows me to receive Pennsylvania Unemployment Insurance funds weekly as a result of Covid19 impact to my ability to work. I have two complaints about this Bank that have required extensive time to get a response from the USBank. My complaints : 1. REMOVING AND WITHHOLDING FUNDS ( {$1500.00} ) from my card and informing me that there was fraudulent use of my account. They have NOT redeposited these funds back into my as of this date ( XX/XX/2020 ). I discussed this issue with the Customer Service Department the first week of this month. 2. HARRASSMENT OF THE CUSTOMER by requiring you to hold on the phone for at least hour before they connect you with a CS Representative ( CSR ). That CSD, after certifying that you are a customer, then transfers you to another CSD. I have been DISCONNECTED by this second CSD 5 times in contacting this company over the last several months. I am required to start the process again again and wait for at least one hour until another CSD answers validates my name, etc. and hands me off to another CSD. 3. SENDING LETTERS WITHOUT BANK IDENTIFICATION : I have received several letters from Cardholder Services. These letters have the first four and last four numbers of my Debit Card and additional information. Two of them identified that there was 'fraudulent use ' of the card. No information about when these situations occurred.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19382
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have called a dozen times, sometimes waiting on the line for up to 2 hours. Spoke to numberous reps and even escalated to supervisors 3 times. Every time they say they have released my funds for a card to bank transfer. Every time it does not work. I have my funds being deposited automatically from PA pandemic unemployment to the US Bank Reliacard. I did not choose this. They mandated this procedure. I want to transfer the funds to my regular bank checking account XXXX XXXX XXXX ). I have not been able to access my funds for approx. 6 weeks. They admit they have received my license id which I uploaded twice to their bank using their document upload process. They say there is no reason for a hold yet I can not access over {$2800.00} in funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19111
Submitted Via: Web
Date Sent: 2020-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
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 US bank reliacard in the mail this week. Based on research, it should be sent to people who have filed unemployment claims. I am employed and have not filed a claim. I was notified earlier this year that a fraudulent claim was filed in my name. I reported it to the appropriate authorities. I will not activate the card, but I want to know if there are other steps I should take to protect myself.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 025XX
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I received my US Bank Relia Card with my unemployment money on it. Then about a month ago There were 4 XXXX XXXX ( {$220.00}, {$100.00}, {$60.00} & {$39.00} ) charges made to my card the I did not authorize. ( I do not use XXXX XXXX, XXXX XXXX, or XXXX XXXX ) They were made in California and I live in Pennsylvania. I immediately called Relia Card and spoke to XXXX & she said this was huge doing to PA people 's cards they would open a dispute and send me out paperwork to fill out to get it resolved and I had to pay {$15.00} to get my card over night to me. I filled out the paperwork & faxed it right in. The money was then returned to my account. The day after getting the new card again someone charged a XXXX XXXX in California for {$55.00}. Again I called and this time I explained what happened and was told a new card would come out to me. I asked to speak to a supervisor in the fraud dept and was on hold for over 2 hours not speaking to anyone so I hung up. I had not even authorized that new card yet. This afternoon I went onto the account to check about a charge and found again that someone had charged a XXXX XXXX from California for {$46.00}. Also the charge for the {$55.00} was taken off my account activity listing but not back into my account. Infact the account is missing, {$0.00}. Again I called and again Relia Card speaking to XXXX who said I would have to have a new card sent out to me again but before that he wanted me to speak to the fraud dept and placed me on hold ( 2 hours again ) to get to the fraud dept with no one answering so I hung up. I am getting tired of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19018
Submitted Via: Web
Date Sent: 2020-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: On XX/XX/XXXX, I received a credit card in the mail from U.S.BankReliacard.com. The card was issued to XXXX XXXX, my former name prior to my marriage 5-1/2 yrs ago. I have never banked with U.S. Bank or requested this card. How can this happen?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80504
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX order products from XXXX. Paid with XXXX from my bank. Paid for overnight. 4 days later I contacted the company and that's where my order was that's my order number and I gave it to him and they said they chip it out again and give me a bogus shipping company. On the shipping site the tracking number I gave you pulled up somewhere near my house and said it was there being delivered at XXXX in the morning nothing was ever delivered. I then called my bank to dispute it and the lady said that they would look into it and probation my money within 10 days. I called back to me 15 days later and they know money ever hit my account and the gentleman said don't best edition was being done at this point my money should be back in the account. Today I contact the bank and they say I owe you XXXX to bad even though he recommended it and you used it from our application thanks I too bad. I then spoke to customer service again at the product site and they told me all will be shipping it out to you again I didn't respond to anything and XXXX minutes later a response came back and said oh okay I 35 % another XXXX minutes later and said to me what's on tonight like it was an automated que. when I called my bank again and tried to tell them hey this is a scam you're selling a product called XXXX that is basically saying hurry we're going to scam you and not refund the money. When I told the banker that he said there's nothing he could do I said so what you're telling me is to take all my money out of your bank and put it into something secure and that will take care of me when I have an issue with avenger or an online purchase for a purchase that goes through their Bank. That's the reason I'm filing a complaint today.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 628XX
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I noticed 2 withdrawals from my checking that I did not initiate. After speaking to bank I was told they would order new card and send paperwork for refund. A week later I received new card and tried to activate it, the card would not work. I was told after several hours on hold that they now needed my license. So card and tax docs. I faxed as requested. It was now XXXX and still no access to my funds kept being told faxes were to light to read. This time I tried from my phone it worked on XX/XX/XXXX card was activated then on XX/XX/XXXX after purchasing XXXX dollars worth of groceries my card was declined police were called I am a XXXX man, I was put in handcuffs until my fiance paid the bill immediately called bank was told they now needed proof of residency due to my address being different as to my physical address, I did change w dmv online due to pandemic. I faxed proof of address change after several hours on hold my card was reactivated and told my account was notated as such. That brings us to XX/XX/XXXX while leaving a restaurant after trying to pay my card was declined, police were called again was treated like a criminal. My fiance called bank was told that they did not believe me as to documents and they were taking 10 more bus6days to recheck faxed documents. I believe they are racially profiling me. And the 2 withdrawals were not fraud but they were bank error. This has caused severe consequences including police pointing guns at me for not being able to pay. I need help with us bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15136
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Purchased sailing vessel and obtained loan XX/XX/XXXX. Loan satisfied XX/XX/XXXX and received documentation of the same from lender, USBANK. XX/XX/XXXX phonecall to bank and told title would be mailed within a few days Called twice more within subsequent 4-6 weeks and told title still in process. Called XX/XX/XXXX and told title was indeed mailed to my correct home address on XX/XX/XXXX, I did not receive it. It was mailed 1st class USPS. No tracking. US Bank still trying to find title, but suspect it is lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34119
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-23
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I never signed for this mortgage. I was XXXX XXXX military when the loan was done and was not present or even in the state at the signing. I did not give authorization for anyone to put me on the loan. The loan documents clearly show that I did not sign. I am not XXXX XXXX. I am XXXX XXXX XXXX. Furthermore. XXXX XXXX, the sole Mortgager, has acknowledged that she was the only XXXX on the documents and that XXXX XXXX was added months later without her acknowledgement or permission. It looks as if someone added XXXX XXXX afterwards with a different date. Its completely fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2020-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A