Date Received: 2020-04-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: Hello, I have had an issue with receiving my unemployment benefits. I have attempted to connect with both my Ohio state office and the ReliaCard customer service since the start of XXXX. It was brought to my attention that payment benefits were being distributed to my ReliaCard debit account, however, I never received the card to access the benefits. I have attempted to contact both the ReliaCard support line and state office to receive a card to access my benefits, but in order to do that I needed to have a card number. As you can see that is impossible because I never received a card and unfortunately I have been unable to connect with a representative from both parties to share this issue. I have attempted to make contact to report this issue and obtain and new card by calling both parties a countless number of times, daily. The line does not connect after being on hold for several hours and it hangs up on me. I need to receive this benefit, as I have been laid off like so many due to COVID-19 and I need this resource to sustain my livelihood. Please help me resolve this soon. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 436XX
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: On Wednesday XX/XX/XXXX spoke with a Jade after XXXX and advised her I didnt have the card. She stated to me she was unable to change my address in the system to get a new card - and told me there is money on the card and its inactive- well yea it expired in 2019 and never got sent a new one. I need a new one I have been calling every day since and I have been on hold for almost 6 hours before I hang up. 6 HOURS?! Someone should have answered by then, and this is happening more than once. I have done a change of address at the post office so if she sends the card to my old address I will still get it. I need my funds my rent is due and these people dont answer the phone and she never offered to go ahead and send another one she just wanted me to call someone else. I called those people and my address was updated so someone XXXX up and I need my money I dont have any food and my car note is due and my rent is due I dont want to be living on the streets. My landlord said I had to pay my rent. I have money on the card its my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39120
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: They have loaded my money on the card but it won't let me use it and i can't get anybody to answer the phone.It rings u be on hold for hours and the phone hangs up on u
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 72315
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-26
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My name is XXXX XXXX and I was recently laid off because of the COVID-19 Pandemic. I filed for unemployment with the state website and was approved. I was never issued a new card issued by the unemployment program, instead, they used a card that they issued me back in 2015, which of course, I no longer have and have not used in years. The unemployment department admitted the mistake and told me to contact the bank who issued the card and I could report it lost or stolen. The unemployment department and US Bank ( issuers of the prepaid debit card ) are so inundated with phone calls, there is no getting thru to a live person and be issued a new card. This situation has put me in a financial disaster and there is almost nothing I can do about it until the phone lines are free. The unemployment department made the mistake, admitted it, and I am left to deal with it. I can not access the money that has been paid to me. I really don't know who to turn to at this point.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81301
Submitted Via: Web
Date Sent: 2020-04-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: My first unemployment payment was processed on XX/XX/2020. Today is XX/XX/2020 and I still have not received the XXXX from USBank. I have tried to contact them at XXXX multiple times throughout the week. I sat on hold for 4 hours and no one answered. I tried calling at different times during the day and can never talk to someone about a replacement card or what I can do to fix the problem. Since then, I have opted to use direct deposit instead. I have 3 weeks of benefits on that card, estimating to about 1000 .
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I applied for unemployment around XXXX and I finally got approved unemployment sent out my info to usbankreliacard and my payments are on the card but I never recieved a card its been a month or so I should have received card before I got the payments now I been cut from work due to the virus and I need this help when you call ReliaCard they keep you on hold for hours and never answer Ive tried for 2 weeks everyday all day and unemployment say they cant help me its on relia card how will I ever get my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70510
Submitted Via: Web
Date Sent: 2020-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I applied for a credit card which offered a {$100.00} statement credit after I spent {$500.00} within 90 days. In a footnote to the statement credit offer it says that I should " allow 6-8 weeks for your {$100.00} to be credited. '' I applied on XX/XX/XXXX. I spent over {$500.00} within the 90 days. I then waited about 5 weeks. When I contacted the company via email they said that the offer was not flagged on my account and since it had been over 120 days from the opening of the account, they could not now override it. ( That is a " catch-22 ''. ) I waited until XX/XX/XXXX so I would have allowed the maximum time of 8 weeks for the offer fulfillment, hoping it would happen automatically. Since it had not, I contacted them by phone. I was helped by a couple of nice people ( XXXX and XXXX ). But when I got to XXXX, I was appalled that he blamed me for waiting too long to contact them. The offer code on the form I received was XXXX. I applied 10 days before the expiration date for the offer ( XX/XX/XXXX). The printed marketing offer which I received in the mail on XX/XX/XXXX has a form code XXXX and/or XX/XX/XXXX I am looking for the {$100.00} statement credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I called the us bank to make sure they are not charging me late fee 's. Under the SEC. 4021. CREDIT PROTECTION DURING COVID19, IT CLEARLY STATES THAT they can not charge me lates. when i called they say that i have been late and they are going to report it as a collection my credit report. They are not suppose to do this under this national emergency. They told me that they dont know the law and are acting stupid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92115
Submitted Via: Web
Date Sent: 2020-04-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I disputed the ELAN Financial Services XXXX late payment claim with XXXX Credit Reporting Agency. My records indicate that I made the XXXX payment on XX/XX/XXXX which was due on XX/XX/XXXX. I was not charged a late payment fee by this merchant. As a result of this erroneous reporting, my credit score has dropped which causes financial harm to me through higher interest rates, draining cashflow, etc. I need your assistance in enforcing the Fair Reporting Credit Act ( 15 USC 1681a ) and the Fair Debt Collectors Practices Act. ( Specifically, 15 USC 1692e ) I have spoken to this company on recorded phone calls and they insured me that this error would be fixed however as of XX/XX/XXXX, it still remain on my credit report in error.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77057
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-04-24
Issue: Written notification about debt
Subissue: Didn't receive notice of right to dispute
Consumer Complaint: XX/XX/XXXX, {$750.00}. XXXX called and left me a voicemail saying that I needed to pay this amount or they was going to have me taken to court. Said that they mailed a letter to me 45 days ago which i have never received. I asked them for a " validation notice '' which he refused to send me one stating that it would give me another 30 days? Got his name and phone number and asked him for an address where to send payment to, which is a P.O. Box in California. I've tried to look up their company online and cant find it anywhere " XXXX XXXX XXXX '' address XXXX XXXX XXXX XXXX California # XXXX. XXXX XXXX extension # XXXX Phone number XXXX. ID # XXXX. When i first called them they said they were transferring me to the legal department and put me on hold and someone picked up but never said anything for about 2 minutes so i hung up and tried calling the number back from a different phone and it said that it was disconnected. XXXX XXXX called me back on that number several minutes later. He stated that he had my email, ssn, address, phone number and email and was going to email me a letter to notarized within the next 40 minutes which i have yet to receive. The debt that I allegedly owe is from XXXX which after doing some research in the state of Ohio the statue of limitations is 6 years on any debt as of the last day the account was used or paid. I called who he said that the creditor was, US Bank and they stated they sold the debt in XXXX to XXXX XXXX XXXX XXXX. I spoke with XXXX which said that a debt that old is out of its statue of limitations and that it sounded like a scam to him. He also gave me his main headquarters number XXXX and said i should call them as well. When i spoke to XXXX XXXX he explained that XXXX XXXX XXXX is who he was trying to collect the debt for now and after looking them up on the internet i seen that the owner is being charged in a {$76.00} XXXX dollar scheme. It just seems all to fishy to me. Especially when they are refusing to send me a written validation notice which is required by law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45133
Submitted Via: Web
Date Sent: 2020-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A