Date Received: 2020-10-07
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: We are a XXXX XXXX that dates back to XXXX. We have a XXXX XXXX in XXXX VA and we do work for private firms, corporations, schools and government all over the country. We specialize in XXXX XXXX and XXXX XXXX We received an order from someone posing as a purchasing agent for XXXX University. They paid a total of {$15000.00} for 5,000 USB drives with a 2 color logo on them. ( We are in the XXXX XXXX ) They sent over a purchase order, his email address looked legit along with his tagline. We were able to look him up in the directory at XXXX University. Everything checked out. I paid XXXX to get the XXXX XXXX XXXX and shipped them to the customer, that money is already spent ( so I could profit {$3000.00} ) Weeks later theXXXX was charged back and my bank account went negative {$15000.00}. Elavon initiated the chargeback, they are also holding $ XXXX ransom for other credit card payments we received from our customers. The end result is my company being out XXXX + XXXX + {$4000.00} that Elavon will not give back. My insurance policy has some sort of Cybercrime Protection as well. So far everyone is pointing the finger at me and telling me that they can't help me. Apparently the card was flagged as stolen back in XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23228
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Trouble using the card
Subissue: Problem with direct deposit
Consumer Complaint: In late XX/XX/2020, my U.S. Bank Reliacard account, through which Pennsylvania provides me Pandemic Unemployment Assistance, was locked : an " account restriction '' to prevent fraud. I was given no notice of this ; I found out when I called U.S. Bank to inquire why a transfer I had made to my personal credit union checking account never processed. When I called, I was told that, to unlock my account, I would simply have to upload a photo of my government-issued photo ID. I was told this only after asking to speak to a manager ; prior to that, the agent I spoke to said he was " unsure '' why I could not make transfers to my checking account or otherwise use my card. The agent then told me that it would take 5-10 business days for U.S. Bank to review my upload and unlock my account. This was over a month ago. I have called and spoken to representatives 5 times after waiting the full 10 business days. I have been told that the true time for review is 10 to 15 days. I have been told that I simply need to wait, and wait, and wait. This is unacceptable and, in my opinion, amounts to a deprivation of benefits in violation of my right to due process. I would like the issue addressed and implore the CFPB to investigate U.S. Bank for this practice, which, if you search the internet, is happening to many PUA beneficiaries.
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: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I recently found a US Bank MasterCard gift card I had purchased about two years ago. I tried to use it on XX/XX/20, and the charge was denied. I noticed on the front of the card it had expired in XX/XX/20. I went to the website listed and was told to call an # XXXX number. I called the number, entered the card number and three digit pin and was told I would be transferred to a representative. The call was transferred and I heard another message saying, " Due to Covid-19 wait times are longer. '' The call then rang as if I was being transferred, but after one ring the call disconnected. This has happened repeatedly since XX/XX/20.
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: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/XXXX : Credit Card was closed for being seriously DLQ XX/XX/XXXX : I visited US Branch location and ended my banking relationship with US Bank, assured no future charges would go through. XX/XX/XXXX : A charge was made for XXXX XXXX : Attempts to collect a debt ( multiple times ) notified them of the issue and that I'd be submitting a CFPB compliant and to suppress any credit reporting and to correct any previous credit reporting.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28262
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: We started a refinancing process with U.S BANK in XXXX of this year, we are in XXXX and they have not given me a definitive answer. On XX/XX/XXXX we paid {$390.00} for the application fee. The closing date was XX/XX/XXXX, later they told me it was XX/XX/XXXX, then it was XX/XX/XXXX and finally is XXXX and we don't have an answer. During this time I got better rate for the home insurance but I could get because they never made the closing. As time has passed, they asked me again for information that I had already given ( pay stub, bank statements ) and additionally they ran my credit again, they have run my credit report twice. Now they are asking me about the new requirement and when I applied I met all the requirements. We lost money and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76131
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was issued a US Bank ReliaCard for PUA Unemployment in Pennsylvania. I had issue getting a credit for a merchant for merchandise I did not receive so I disputed the charge with ReliaCard. I provided ReliaCard all of my email communication with the merchant and was issued a temporary credit AND my account was frozen for fraud. I subsequently provided ReliaCard with information about my identity on 3 occasions : XX/XX/XXXX uploaded my social security card and bank statement ; XX/XX/XXXX faxed my passport, social security card, and W2 after being told the upload was insufficient ; XX/XX/XXXX uploaded my driver 's license after receiving an automated call requesting that I do so. I called ReliaCard on XX/XX/XXXX and was told that there was a XX/XX/XXXX note on the account stating that the documents had been received ; however there was no note authorizing the activation of my account. The card specialist " transferred '' me to the fraud department and the call was disconnected. I followed up with an email. I received a text message on XXXX stating that my account was validated and ready for use. However, the online account remains restricted ( I can not transfer funds ) and I was unable to withdraw money from the ATM. I called ReliaCard on XXXX and was told that all of the documents had been received but the account was not updated properly. The specialist " transferred '' me to the research department and the call was disconnected. I followed up with an email. I have been unable to access my unemployment benefits since XXXX and seem to have no recourse. US Bank is improperly holding my funds under false pretenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19139
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This complaint is against Elan Financial services the issuer of my card. I was a credit card customer with them for over 8 years. I paid my bills and suddenly about 6 months ago they reduced my credit then today I found out today the company completely closed my account. The poor excuse they gave was I was making too low of a monthly payment. Mind you this also reduced my credit score by almost 40 points. I regret ever getting involved with this company.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73110
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: XX/XX/XXXX, my current card, which PA Unemployment payments are deposited at US Bank Reliacard, was declined for ATM withdraws and transfers to my personal checking account at XXXX XXXX. I called XX/XX/XXXX to find out what was wrong. They informed me as of XX/XX/XXXX, without notice, PA apparently changed withdraw and transfer amounts to far less then they where allowing XX/XX/XXXX which is the date I made transfers to my XXXX account because I was back funded a substantial amount for unemployment benefits from XXXX XXXX XX/XX/XXXX. They requested I fax them a copy of my driver 's license front and back and that it could take up to 10 business days to reinstate my account. I faxed the document XX/XX/XXXX. Waiting patiently for 10 business days, I called XX/XX/XXXX wondering why my account wasn't yet reinstated. They told me they never received the fax! I have confirmation the phone number they gave me received it. They said to use their website to upload the driver 's license and it could take up to 10 more business days to process. I did the uploading and did NOT wait 10 days to call them. I called XX/XX/XXXX, XXXX, and then XXXX. XX/XX/XXXX, they said they did not receive the upload and asked me to do a verify upload from my phone of my driver 's license and a selfie. I did that while they were still on the phone with me. It would take another 10 business days. I called again XX/XX/XXXX - their systems were down for routine maintenance! Who does that on a weekday? I called XX/XX/XXXX. They escalated it a 4th time which is an email to the department who processes the reinstatements. I called XX/XX/XXXX. I was told the department who processes the reinstatements posted a note to my account on XX/XX/XXXX a XXXX that I needed to be patient while they worked through the backlog of the faxes and re- fax my driver 's license and ssn card again! I did that. It costa money to get these faxes done. I have been patiently waiting over 30 days and counting for this to be fixed! No other source of income but the unemployment benefits. I have rent and other bills to pay. I am going into the hospital for a medical procedure and want this fixed before I do it. I have to pay late fees and additional interest. Not fair. Are they hurting because i can't get to money I am entitled to have and use? They should be! This is totally unfair. I seem to have to recourse, no place to go for relief. I can't work because of underlying medical conditions. Coronavirus closed my contract in XXXX, they did not restart and I have limited ability to find new contracts because of coronavirus. There is nothing locally. I have applied everywhere for everything. I am over qualified. I have a file to share showing my documentation of the situation. I provided the card number as requested however everytime I enter it on US Bank Reliacard called system it says it it inactive and the customer representatives have to look it up on my ssn. Please help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 173XX
Submitted Via: Web
Date Sent: 2020-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-07
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I have pua from dept of labor the work force told me to appy for real beneifits they said id get 4 things a code a card wages statement and coraspondence mail I received everything but the card, card services said I get a card dept of labor said I get a card but us bank said I couldn't have two cards then a us bank letter came and said activate the card I dint have im telling my case worker about that right now but my other money is on a relic card and when I changed my address they locked my account with XXXX in it they have no right us bank says it is a offline team and they cant unlock it they are not suppose to be doing that I have since direct deposited my earnings and they are coming in but that XXXX they wont let it go I direct deposited my money from that card and all but that is going to the other account can you help me get my money?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 810XX
Submitted Via: Web
Date Sent: 2020-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-06
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I'm filling a complaint against U.S bank for causing errors to my account and leaving my account in the negative for not filling my disputes correctly and using a excuse they need extra information when in effect I gave them all the correct information to put in the system but they refuse to take down the information I give them and put it in the system probably the most terrible customer service I have come across in my life with that being said I would like a full credit back into my account of {$67.00} due to lack of customer service skills and errors of U.S bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60201
Submitted Via: Web
Date Sent: 2020-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A