Date Received: 2020-08-16
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My name is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, pa XXXX and i filed a PUA claim on the pa.government website and my dashboard shows that i've been paid but i have not recieved my RELIACARD from USBANK at this address which has been around 1 yr now and i put a change of address i when i moved. but the main reason is i think is i'm not in USBANKS data base but i should be, my claims are being paid. i would like to know where my RELIACARD isso i can pay my bills, can you please look into this matter?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 168XX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: On XX/XX/XXXX, I made a first mortgage payment to US Bank from my checking account. In error the payment was sent to my US Bank home equity line account. I made several calls to US Bank to inquire why my XXXX payment was not applied to my first mortgage. After weeks of research no one from US Bank could locate the payment. On XX/XX/XXXX I looked at my Home Equity Line account and saw that my first mortgage payment had been applied to the HELOC. I brought my account current with my own funds on XX/XX/XXXX while I have to wait weeks for this payment to be reversed and a check to be sent back. This is an additional {$3500.00} I am out of pocket due to the misapplication error. During this research time, US Bank reported a 30 day delinquency on my first mortgage and now my credit score has dropped by over 60 points. I have tried to US Bank to reverse this negative reporting but they have said they can't help me. I have never missed a payment on my first mortgage or my HELOC or ever been late on this mortgage which I have had for 5 years. I have had mortgages since XXXX and never been late on any payment. Included my bank statement showing my XXXX Payment to US Bank that was applied to HELOC and not my first mortgage.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 222XX
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-16
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Can not activate my card from Texas Unemployment through Us Bank Reliacard. Tried the website and it won't work. Tried the app and tried calling. I can not use my card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77072
Submitted Via: Web
Date Sent: 2020-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I opened an account with US Bank in 2015, when I first started college. Sadly, school taught me everything except financial literacy. I admit I was oblivious to the gravity of the situation I was in. I was taking out loans to go to school but still struggling to make it, so I opened a credit card with US Bank. After 5 years of accrued interest, the account was closed. There was a balance left of {$940.00} out of a {$1000.00} credit limit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 41501
Submitted Via: Web
Date Sent: 2020-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2020, while shopping in XXXX at XXXX XXXX XXXX XXXX in XXXX, CA XXXX, my wallet was stolen sometime between XXXX XXXX and XXXX XXXX. When I discovered my wallet missing, I immediately went home and called my bank and all credit cards. Several credit cards were stolen. I am contacting you about an REI card issued by US Bank. REI stolen card was used XX/XX/2020 at XXXX # XXXX in XXXX XXXX, CA to purchase {$850.00} in gift cards. I made a Police Report to XXXX XXXX Police XXXX XXXX XXXX. XXXX, CA XXXX, phone XXXX. I spoke to Officer XXXX XXXX. His email is XXXX. My case number is XXXX. Im contacting you because US Bank Fraud Prevention has denied my claim. They are at Cardmember Services Fraud Prevention. XXXX XXXX XXXX. XXXX, ND XXXX. Their phone is XXXX. Their fax is XXXX. My claim number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
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 U.S. Bank ReliaCard debit card in the mail. I have not been able to contact the U.S. Bank ReliaCard division, as they do not answer the phones. The card seems to be related to unemployment benefits ; however, I am not unemployed, nor did I apply for this card. My name on the card is spelled incorrectly. I contacted U.S. Bank and was told the ReliaCard is under a different division so they could not help me. They did not have the telephone number for ReliaCard as it is listed on the information I received. There seems to be some fraud taking place and I would like to sp eak to someone to have this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91701
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I paid my credit card off in full in XXXX, I charged something less than 35 % of my limit. In XXXX I get a letter saying that my credit limit has been decreased from {$2500.00} to {$800.00}. I have payed this card off several times when the bill was due with only two late payments. I called Elan financial and they said they would have to check my credit which of course now is going to look worse because of the credit decrease from them and now my utilization is higher. After speaking with them they said they would have to do a hard credit check to increase. I am not late and my next payment is not due until XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60647
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-15
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I just checked my account at Fidelity Visa last 4 numbers XXXX It said that my account had been referred to collections. Been a customer for a few years and now with this COVID-19 virus causing so many problems I can't keep up. I contacted them several time asking that they help me in some way but being Elan of course they don't do anything to help a customer. The customer is scum at this company and gets no breaks even after paying them for years. I was trying to inform them that my social security did not come this month due to a change in bank accounts and of course they don't care anyway. Social Security apparently take at least 3 months to do anything. Additionally their payment requested was close to {$1000.00} which i couldn't possibly pay anyway. The vultures are going to force me into a situation that I can do nothing about. Things are starting to recover a bit but they don't care and i can't do anything but wait. I'm not going to go without food to pay thesse leaches that I have tried to work with over and over. Its funny how other financial institutions tey to help but these " people '' do not. They don't care. They are going to try and ruin me. I have tried to be reasonable but they are not listening. I guess they are too far above me. Being the XXXX that I am I will just have to battle with the uncaring vicious XXXX XXXX XXXX controlled XXXX. I WANT TO CLOSE THE ACCOUNT AND PAY AS FAST ASS I CAN. THAT APPARENTLY IS NOT GOOD ENOUGH Doing all I know to do.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 787XX
Submitted Via: Web
Date Sent: 2020-08-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
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 never applied for this card ( US Bank ReliaCard ) and have no idea how this company went through a financial application without my knowledge or approval. My name is from a previous marriage which ended in 1997 and the first name is spelled incorrectly. I did apply for unemployment and did respond with NO DEBIT Card required. I am reporting US Bank as a potential scam. This is very disturbing and I want this cancelled and made known to the Ohio Unemployment Services as well as to your company. This is financial abuse. You had no right to my information however wrong it is indicated on this debit card.
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: 2020-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-14
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Principal is not being applied. Including a {$200.00} principal only payment. The loan balance continues to rise even after payments are made. Several payments were made months early, yet some of them have been " applied '' as 100 % interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30114
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A