Date Received: 2020-10-02
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: Company - US Bank Reliacard Issue - Account was locked out without notice at the end of XX/XX/2020. At this time, there is no access to any PUA money that was dispersed to the account via online, transfers, ATM, etc. 35 phone calls have been made to US Bank Relicard, each time with a different answer and excessive wait times. The requested information ( proof of identity ) has been faxed to US Bank Relicard 4 times, each time to a different number as provided by customer service. No one ever has an answer other than " check in 4-6 business days ''. Then when you call back, they request the proof of identity to be faxed again. Over 7 weeks have gone by with no access to PA PUA Funds.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: 19122
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 using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: My account has been closed for over a month now requesting that I upload my id and social security card. I uploaded the documents needed on the XXXX of XXXX And was told my account would be active to use in 48 hours. Then after 48 hours they said 5 days. After 5 days I uploaded the documents again because I havent been able to access my money for a month now and my power is shut off and I have a kid to feed this is ridiculous. Please help me I have called reliacard through us bank every day and the unemployment people said there's no reason why they are holding MY money. Its been a month!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2020-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: You have massive fraud going on related to unemployment benefits. I never filed a claim, notified DC that was still employed and yet received a card with benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 200XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Trouble using the card
Subissue: Trouble using the card to pay a bill
Consumer Complaint: My account is on hold after i tried to transfer money to my XXXX XXXX account to pay my rent ... they asked me to submit my Id i have done this 20 times and nothing they say i havnt submitted anything or they say its not clear enuff they are doing many ppl unjust ppl waiting on money they are holding on to accusing him very one of fraud. I want to get a lawyer as well i have to help my mother pay bills they are holding XXXX from me n my family
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 181XX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Us Bank reported to the credit bureau that I made no payments on my account from XX/XX/2020 thru XX/XX/2020. This information is not correct as I have made ALL of my payments from XX/XX/2020 thru XX/XX/2020 2020
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76036
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Ok so one XXXX XXXX I found out that my Reliacard account for my Pennsylvania unemployment was deactivated. I have been told lies and misleading information time after time not to mention being treated like garbage when calling customer service. I still as of today XXXX XXXX can not access my unemployment money and have been told there is nothing I can do at all I have to just sit and wait for the documents to be reviewed and the account to be reactivated. Problem is they don't notify you if the account is deactivated and the website, mobile app and automated system all say that my balance is available for use and has not changed this entire time. The department responsible for reviewing my documents and reactivating my account have no way to contact them directly and the customer service department has no authority to activate the account. I was told several times that once the documents were excepted it would be 24-48 hrs to reactivate the account and after sending countless fax of the documents I was told would be excepted I found out that what I was told about the expired drivers license was not true and had to go get a replacement so I uploaded everything once again for the 100th time and on XX/XX/XXXX they excepted the documents and now XXXX XXXX and they are still reviewing them. Now the people in customer service are telling me that the time frame to activate is not 24-48 hrs like I was told before by several different representatives but in fact it could take up to 15 days. This account is the only income I have and all the money I have to my name.
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: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I am receiving pandemic unemployment from Pennsylvania on a US Bank ReliaCard. As of the end of XX/XX/2020 my money was frozen for investigation of possible fraud. On XX/XX/XXXX I faxed to US Bank copies of my drivers license to proof my identification. I have spoken to 6 customer service people and 3 supervisors since this hold has Ben placed plus I uploaded my identification to their site as instructed and am constantly being told that it hasnt been released by fraud department yet. I have overdrafted my personal checking account to have money to live on and have no more access to getting money to pay my rent, utilities and medical copays for doctors and prescriptions. I incurred {$75.00} in fees for overdrafted money not due to anything I did wrong. I need my money that includes a transfer in limbo of {$1500.00} with the amount in my US Bank card equals over {$9600.00} that I can not access. I sent an email to the CEO of US Bank over 4 days ago without getting any response. PLEASE HELP ME!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19006
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-10-01
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I tried to close my checking account with US Bank in XXXX Ohio in XX/XX/XXXX. I emptied my checking account and walked out of the premises. On XX/XX/XXXX my account ( unbeknownst to me ) went into collections with US Bank and was sold in XXXX to XXXX XXXX XXXX. I received a collection notice in XXXX of XXXX from XXXX XXXX XXXX XXXX for the debt for my account in the amount of {$160.00}. On XX/XX/XXXX I sent a letter acknowledging the debt to XXXX XXXX XXXX XXXX with payment requesting the debt be acknowledged as paid off and the record removed from their database. I received the return receipt from XXXX XXXX XXXX XXXX and have not since seen a complaint on my credit report in regards to the debt. On XX/XX/XXXX approximately XXXX EST I received a phone call from XXXX at XXXX XXXX XXXX XXXX stating I had accumulated debt and interest of {$1400.00} for the former US Bank account that was sold off in XXXX. XXXX then stated that XXXX XXXX XXXX had sent letters to previous addresses notifying me of the debt. I requested she send the letter to my current address and she stated that they didn't have to because it costs money and they are only required by law to send two letters. I was then sent a letter of demand via email stating I must notify the office within 24 hours if I choose to dispute or the debt is assumed valid ; furthermore I had to notify the office within 7 days in writing requesting verification. If I'm reading this correctly I have 30 days to respond by law, not 7, and certainly not 24 hours.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/20 my Reliacard for unemployment was deactivated without any notice or just cause by the company.I have been asked to verify my identity, multiple times and have done so 5 times and still can not access my funds.Me and my fiance, XXXX XXXX have the same issue with US Bank Reliacard.We have been stuck out of state for over a month, have missed legal proceedings and i have lost my 3 rarest stamps in my collection which are valued in excess of {$470000.00} as a direct result of this situation.To top it off, i have {$6700.00} on my Reliacard as i type this message and im living day to day and basically homeless in another state because i cant get my funds.They are ruining the lives of good people, and i just want my money its does not belong to them.Attached is the verification they asked to be provided from me and my fiance XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2020-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-09-30
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Hi, and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to receive a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-depth investigation? Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws. Continues to report the wrong balance, incorrect date of first delinquency, wrong date of last active, inconsistent payment status, high balance, and actual balance is questionable, etc. I believe that section 609 of FCRA also allows me to ask for detailed information about the account and how you indeed investigated and your detailed process. Im extremely upset and shocked about the way this charge-off account is reporting on my credit report which continues to report with incomplete, inconsistent, and unverifiable Info. How can you honestly say that you verified as it is accurate? This was NOT verified! I am requesting this investigation under the authorization of the Fair Credit Reporting Act Section 623. ( a ) ( 8 ) ability of consumers to dispute information directly with the furnisher. What I am disputing : The account you have reported to the three credit bureaus. My basis for this dispute is that I have no knowledge of this account.
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: 2020-09-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A