Date Received: 2020-10-04
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Reliacard has basically stolen my money. About a month ago when I first received my benefits from pua shortly after my entire family has contacted XXXX and were XXXX XXXX for days and my brothers who have XXXX are still feeling symptoms who I am taking care of. I made a transfer to my personal bank after receiving the card and three days later without any notification they had restricted my account. I spoke to a rep and he said it was because of a transfer and asked for me to send in a piece of mail with my ID and SSN through fax which I Did. I called back a week later and the next rep informed me I need to send it again because it was not legible. That apparently wasnt the case because I did a and a week later I called the rep I spoke to said that they didnt say it wasnt legible and I needed to send in tax documents. The reason I also applied for pua is because of insufficient work history. I was XXXX XXXX XXXX as a side XXXX and XXXX for XXXX XXXX I can not get a w2 or any form of tax documents because I did not make XXXX that year they said a paystub would be okay so I sent them my bank statements that show my direct deposits and they did not accept that. How am I supposed to get a paper paystub when Im receiving direct deposits from an online e-commerce site. I wrote them a letter which I will attach to this stating that I dont have a w2 and that is not a requirement for me. I called them literally at least 100 times each time the reps say the same thing finally I asked for a supervisor and she said we will not work with you and basically she doesnt care and banged the phone. I was not rude I was just explaining what I receive. My bills have not been able to be paid and Im relying on my gf while there blatant stealing my money and based on the XXXX website and XXXX tons of others. I have over XXXX in unemployment that Im entitled to being stolen from me. My unemployment is in good standing there are no issues this is all on the bank side Ive called pua multiple times and they just put a note on my account for a supervisor they say there is nothing they can do there is nothing wrong with my claims and us bank reliacard is a separate entity and all they can do is send it to their audit team to reach out to reliacard but will take a while because there is so much going on and advise me to take this up with usbank. They say I am not the only one this is happening too and are aware of the messed up situation. I continue to call reliacard and I get reps who pick up they are clearly high on XXXX they laugh as they hang up and I practically get cursed out by a supervisor for explaining that I need this money and that I can verify some other way but I do not receive w2s and that my bank statements they viewed show my direct deposits which is basically a paystub. This is straight theft and Im thinking about filing a small claims or class action in court please help me get my reliacard activated or my benefits another way this bank is clearly corrupt and they are messing up my life. Ive contacted state reps and XXXX with no help Ive contacted the treasury and was told I would receive a call back to help but a time was unknown that was a week and a half ago still no phone call
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19143
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-04
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My PA unemployment Reliacard was issued by U.S Bank. On XX/XX/2020 I tried to make a card to Bank transfer from Reliacard to My personal Checking account. However, the transfer was not approved and U.S Bank froze my account for no reason. I called the customer service at U.S Bank regarding the transfer. The customer service told me that My card was deactivated that they will issue a new card for me. So I waited for a week for my new card, however, the card never arrived. Then, I logged into my online account on XX/XX/2020 and I saw my unemployment money was missing from my account while I have no access to my card or money. There are {$3100.00} were used in OHIO. But I live in PA and have never been to another state. I called the customer service and they keep hanging up my call while transferring my call to their fraud department. After attempting for a few hours they finally filed my fraud claim. However, I received a letter from U.S Bank denied my fraud claim on XX/XX/2020. Please help me with my unemployment money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19446
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: At the beginning of the year, I inquired with US Bank about refinancing and combining my mortgage with the equity line of credit both owned by US Bank. After supplying all the relevant documents and being approved, I closed on the refinance XX/XX/2020. My first mortgage account was not closed but evidently, it was paid and closed. I received the payoff letter XX/XX/2020. However my equity line of credit was not paid and is still open. I have been receiving phone calls from debt collectors since XXXX and explained the situation to the customer service representatives. After getting transferred to so many departments, I sent an email on XX/XX/2020 informing the Mortgage Loan Processor, that a check for my equity line of credit was not dispersed. The amount from the refinance {$99000.00} was dispersed on XX/XX/2020 to the equity line of credit account. I thought this payment would have resolved the issue however I still owe {$450.00}. After receiving collection calls again to pay {$140.00} to the equity line of credit, I emailed the Mortgage Loan Processor on XX/XX/2020 to resolve the issue. When I discussed the issue with customer service, It was suggested that I dispute the claim but I have since been denied. The customer representative said she would reach out to Mortgage Loan Processr for assistance. I do not owe money to the US Bank, in fact, they owe me. So it wouldnt affect my credit, I paid {$140.00} that I do not owe. After going through my documents, US Bank owes me {$700.00} plus {$140.00}. I should not have been charged interest or late fees on a loan that should have been closed XX/XX/2020. Could you please assist so I can get this resolved once and for all? Equity Line of credit bill on XX/XX/2020 states the end balance was {$99000.00}. The closeout from US Bank was {$99000.00} which should have been dispersed on XX/XX/2020 but was later dispersed on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20191
Submitted Via: Web
Date Sent: 2020-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Account has been closing due to a new address changed since XX/XX/XXXX for fax or send they received one on XX/XX/XXXX I have been calling every day. The one they received on the XXXX they said it was not valid and I was not informed until I called on the XXXX Of XXXX that the fax I sent in on XXXX XXXX was not valid I sent a fax on the ninth or the XXXX the XXXX if youAnd the first my card is not active and I keep getting different time frames nothing has been done
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18018
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-03
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have had this card for years. I pay it in full every month by using the AutoPay feature. In XXXX, I changed bank accounts. So I updated the account on their web portal with the new bank account information. The charges for XXXX and XXXX were deducted from my new bank account correctly. Then Fidelity did a system update in XXXX. After that, they pulled out my old bank account information and tried to get the XXXX payment from that account. Obviously, the account was closed by then and the payment came back. Now, for months, they put hold on all my payments. This was their mistake but they refuse to work with me to fix this. Every time, I make a payment, I have to call their customer service to get the hold released. This is unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: To Whom It May Concern : My name is XXXX XXXX XXXX and I am writing in regards to a credit dispute that was wrongly put on my report and my wifes, XXXX XXXX XXXX, report. Our issue is with US Bank. They hit both of our account for late payments for a leased vehicle that we traded in. I tried several times calling them and discussing this issue and they refused to provide any help at all. At the time they hit my credit report with this false claim my score was XXXX, and now it is XXXX. At the time they hit my wifes credit report with this false claim her score was XXXX, and now it is XXXX. We traded in our lease vehicle with US Bank on XX/XX/XXXX with XXXX XXXX. XXXX XXXX sent US Bank a certified check for the amount of the loan. At this point we no longer had possession of the leased US Bank vehicle. We then began paying the new lease payments to XXXX XXXX, all on time and full payments. Fast forward three months, and US Bank hits my bank account saying they have not been receiving payments. Multiple times during this time period I called US Bank, or had them call me, and told them about all the details and they assured me nothing like this would happen. When we got hit with the credit claim, I dug into it and found out that the first check that XXXX XXXX sent was int eh wrong about. It took US Bank 2 weeks to send this back to XXXX XXXX. XXXX XXXX then corrected the check and sent it with certified mail back to US Bank. At this point US Bank received the check on XX/XX/XXXX. US Bank then set on the check for almost three weeks, not cashing it until XX/XX/XXXX. The prior to paragraphs can be verified by XXXX XXXX as they provided me those dates based on the certified mail received date and the check cash date. Hopefully the above information is enough for you to see the US Bank handled our claim very very badly. I would be very interesting in filing a claim against them if that is possible. My credit is now poor when 3 months ago it was at XXXX. I hope to hear from someone soon. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Card was locked on XX/XX/XXXX. I sent in identity i formation and it was received on the XXXX. I was rold 5 business days to unlock my account. Called back and was told 10 business days. Called back on the tenth and they told be 15 days. Card still not unlocked. Im receiving payments and can't pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 165XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I obtained a loan through US Bank Home Mortgage in XXXX, XXXX. I have gone through XXXX bouts of XXXX, mutilple modifications, and a XXXX Judicial Foreclosure Proceedings and battle with US Bank 's attorney, through Asset Foreclosure Management XXXX XXXX of Alleigant Law in approximately XXXX. Since then, despite paying and currently living in this home, I've been paying through modifications and currently am current and outside of modification. I've paid property taxes. I am current on my mortgage yet CAN NOT find a record in ANY of the XXXX credit reporting agencies for my mortgage. I have been XXXX twice since XXXX and have been in modifications, but have consistently been the owner of record in the XXXX XXXX XXXX department. I have never refinanced my loan and have had to pay for an attorney fees to get back in my home after moving out after an assault inside my home that led to my first bout of XXXX. Despite defaulting on XXXX fees, and their attorney fees as a result of the judicial foreclosure US Bank brought against me. I now owe $ XXXX more because my account has never been updated to reflect that I'm current. I don't understand how it's possible to be this far behind and have not indication that I ever had a mortgage through US Bank through any of the major reporting bureaus. My credit report has suffered significantly because of lack of financial stability, despite having this condo for XXXX years. I am now in a second bout of Federally approved XXXX and live on a very low income, during a global pandemic AND I'm still CURRENT on my payments. I'm an XXXX XXXX, single woman without a college degree, a deep trauma recovery survivor, a survivor of a very recent medical and XXXX discrimination and criminally harmed on XXXX of XXXX. SOMEHOW, I'm still alive and just realized the one good thing in being a homeowner I have is not even valid. And US Bank National Association has strung me along for the last time. Please look into this. I'm not lying. I have proof of everything attached. I was a legal assistant and submitted all records to US Bank during the ENTIRE process of the Oregon Foreclosure Avoidance ProgramXXXX XXXX XXXX XXXX XXXX XXXX That is where I met the banks representative, XXXX when she was under the law firm Law office XXXX XXXX XXXX XXXX XXXX Foreclosure was her business name. The agency took control of my condo for several years of my condo and I rented at far more than the cost of my mortgage from approx. XXXX through XX/XX/XXXX. Plus I had to move a total of 3 times to get back to this place and pay for movers. I could not handle rectifying this matter at any other time except that it is distracting me from the newest trauma by advocating and rightly defending myself here. I greatly appreciate your assistance with this matter. Thank you very much, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
Issue: Problem with additional add-on products or services
Subissue:
Consumer Complaint: US Bank coerced me into adding a reserve line to my student checking account, when I was still a college XXXX, and I'm nearly XXXX, still struggling to pay off the debt I've accrued to this reserve line account. Since the beginning of XXXX, I have paid off the entire value of the principle amount, along with over {$250.00} above that initial amount, which has not changed since the account was opened. My banking statements say my billing period is every 30 days, but in XXXX alone, they have withdrawn funds from that account eleven ( 11 ) times in intervals smaller than that ; on 4 occasions, they automatically withdrew funds less than 1 week after a prior withdrawal. I am currently a XXXX XXXX on a fixed income, and with the massive loss of income I've suffered due to COVID-19 shutdowns, I need this account closed and these predatory practices to stop ASAP. It is bleeding me dry, and affecting my ability to pay utilities and important expenses.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-02
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: I purchased a product from XXXX XXXX for approx. {$600.00} in XX/XX/2020. The item was shipped by XXXX. I was notified by XXXX it was to be delivered on a certain day. I then received an email that the item was delivered, but it actually was not. I called XXXX and told them I never received the item. They said they see that the item was not delivered and provided an investigation number. After a few days, I called back and they acknowledged that the item was lost. They told me to call XXXX XXXX. XXXX XXXX said they were unable to issue a credit as the item was marked " delivered '' in the system, so I should dispute the charge on the credit card. It was a XXXX Visa administered by Elan Financial Services. I disputed the charge and it was reversed. Several weeks later I received a letter from Elan that XXXX XXXX said the item was delivered, as proved by per the XXXX system, and that I needed to provide a counterclaim. I did so and provided the XXXX investigation number which can be used, per XXXX, to show the item was lost. On the next credit card statement, the {$600.00} charge was reinstated. I called Elan and spoke with XXXX on XX/XX/XXXX. She said that the charge was reinstated because my response letter was received a day late, but they have now reopened the claim and I should see the charge reversed. It was not. I called again on XX/XX/XXXX and spoke with XXXX, as the payment was due the next day. She said that the charge should be reversed, not to make the payment, and someone would call me back in 48 hours. No one did. I called again on XX/XX/XXXX and spoke to XXXX. She said that my claim was denied because it was not received timely and there is nothing they can do. I asked why I was told differently during my previous two discussions and did not receive an answer. Elan is telling me I am responsible to pay for a {$600.00} item that I never received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 115XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A