Date Received: 2020-08-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: For some reason my account was out of no where placed inactive whenever I call it gives my available balance nothing else I've called and spent days on the phone to get no answers Why is this happening how do i fix it why wasn't I warned or asked if additional info was needed im.confused and noone will help me. At least send my balance in check im over this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18505
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: XXXX XXXX Pre-trial Center phone number:XXXX Called me on XX/XX/XXXX and notified me of an overdraft debt to Us Bank from XXXX. talked to a nice lady she notified me of the debt and I said I would call her back. I called Us bank imminently afterwards and they can not pull up the debt, and are not perusing the debt. I called the collection company back and request written notice of the debt and they gave me my address and the past 2 addresses I've lived at and said I have already been notified in the mail. ( Which I have not ). I then asked for them to verify the debt with us bank and he basically refused. I also told him what us bank told me about not being able to access the account since its been 13 years. he went on a sepal about thats because the debt was sold. again i asked him to verify the debt he said he did not need to and that they will see me on Friday when they serve me for defrauding a financial institution. I again asked them to get a hold of us bank and he went on a tangent and i said Fine go ahead and sue me because in Ohio the statue of limitations on suing for debt is 6 Years he incorrectly said its 7 years. the debt is from 13 Years Ago! they did not even give me the amount owed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43230
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: 1. ) I scheduled an appointment on XX/XX/2020 to open a checking account with USBank. 2. ) Appointment was set up for XX/XX/2020 via phone call. USBank sent email an a text confirmation stating a bank rep would call me. 3. )XX/XX/2020 no phone call was received at time of scheduled appointment. I called USBank and spoke to a rep. She was not sure why I didn't receive a call but said she could set up the account with me at that time. 4. ) I provided all my information along with a {$25.00} EFT deposit from my other bank account to open the USBank account. The rep said I should have an email by Tuesday with an account number and bank information. 5. )XX/XX/2020 Never received an email. 6. ) On XX/XX/2020 I called the 800 number and they still could not find the account. The gentleman said that they are extremely busy and I should hear something in the next few days. 7. ) On XX/XX/2020 I received a post card in the mail stating an account has been opened with USBank. 8. ) On XX/XX/2020 I called the 800 number and asked for an account number so I could set up online banking. The rep could not find an account and said that it was still in the approval process. She said I should be contacted by Monday XX/XX/XXXX. 9. ) It is XX/XX/XXXX and I still have not been contacted or emailed that my account is open.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: On XX/XX/2020 I received in the mail a US Bank Reliacard debit card. I did not apply for any type of card with US Bank. I attempted to contact US Bank through the number listed on the paperwork included with the card. I was placed on hold for an extended period of time. Since I was unable to get through to US Bank, I called the Consumer Financial Protection Bureau. I was told this was likely a scam where someone has used my information to file a fraudulent unemployment claim. I was instructed to contact my employer to inform them of the possible unemployment claim in my name, to contact my state unemployment office, to report that my ID may have been stolen to IdentityTheft.gov and to inform the 3 credit bureaus. I completed all of these steps on XX/XX/2020. As of today, XX/XX/XXXX, my employer has not seen any unemployment claims filed on my behalf. I have not received any response from the other entities.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29681
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: Applied for refinance on USBank.com and got assigned to a mortgage loan officer XXXX XXXX NMLS # XXXX. He emailed some refi terms and when I asked for loan details & fee he refused to provide them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I have contacted reliacard several times ... I am awaiting financial help from XXXX ... a card was sent out a month ago but not to my address on file with the Dept of Labor and they will not send me another one because I don't know the address they sent it to ... I've spent hours on hold waiting to discuss this and 4 people have not helped yet they say they can not do anything ... I say how could they send it to some other address it should be one on file from the XXXX not what they previously may have had ... I really need help ... I've had no money at all and am only staying alive due to help from food bank ... 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: 188XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
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 reside a XXXX XXXX XXXX in XXXX XXXX, Colorado, XXXX. In the past two weeks, I have received two credit cards in the mail from USBANK Reliacard - for people who do not live here. I am guessing that people are using my address to collect benefits that are not due to them. The cards are for XXXX XXXX and
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80906
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-18
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized credit inquiry that I did not do. I called company more than 3 times and sent two letters and still no help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77090
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Unable to get your credit report or credit score
Subissue: Problem getting your free annual credit report
Consumer Complaint: I got this card and it havent been credited .... I was told its an unemployment benefits card and after I got the card I wasnt credited with any benefits
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20001
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: In the last two months I have been charged a late fee of {$40.00} on my credit card account while making the payment on the due date and receiving notification from the credit card provider that it was in fact made on the due date. Tonight I called the provider and spoke with a XXXX. XXXX tells me that my payment is due by XXXX on the due date. I asked him to please provide where that is stated on my account. His response was " IT'S ON THERE SOMEWHERE IN SMALL PRINT '' " I'M NOT SURE WHERE BUT I KNOW IT'S ON THERE " Well I have read the small print and it states NO WHERE on there that my payment is due by XXXX XXXX. What is states is the following. " Internet and telephone payment options are available and crediting times vary ( But generally must be made before XXXX XXXX CT TO XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet or telephone payment please contact Cardmember Service for times specific to your account and payment option. There is noting on the Card holders website that states the payment must be made prior to a certain time or it will be considered late nor is there any specific time as XXXX told me was in the SMALL PRINT ON THERE SOMEWHERE. This is clearly deceptive on the part of Elan Financial and they should be required to post in plain sight both on the statement and the website that if a payment was not made by a certain time it would be considered late. My payment posted on XXXX XXXX according to XXXX who offered absolutely no assistance even though my account is prompt every month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44406
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A