Consumer complaint received 2022-12-20
Company: U.S. BANCORP
State: KS
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
I have submitted numerous complaints to you about the practices of US Bank Reliacard and neither US Bank nor the CFPB is doing anything about their thievery. I am sick of it. 
This is absurd. US Bank Reliacard has done the exact same thing they did the first time, absolutely nothing. I do not accept this response. Do the individuals at the CFPB not read the complaints submitted? Does the CFPB not read the responses the company provides? US Bank Reliacard did answer address a single question or concern again. US Bank Reliacard indicates that I beneffited from the fraudulent transactions. Tell me how. How did I benefit? They claim I had a pattern of use. Tell me what that pattern is. What pattern does US Bank claim to see? The only pattern that I see is that the fraudulent withdrawls occured at a credit union I do not use, where as my withdrawls occur at a bank at a different address. So what pattern is US Bank referring to? They will not answer the question and the CFPB apparently isn't asking the question either. My location was used in US Bank Reliacards determination they say. I can not and will not be held accountable for where the card thief used my card. If US Bank Reliacard reviewed any of the evidence I provided them they would be able to see that MY LOCATION on the days in question was in an entirely different township. I was miles and miles away from the credit union in question. So what location information does US Bank Reliacard have about my location that they are using to make the determination? These are all the same questions I have been asking the entire time. These are the same questions US Bank Reliacard has refused to answer the entire time. These are the same questions the CFPB is refusing to help me seek answers to. 
I do not accept this lack of an answer, not before, not now, not ever. US Bank Reliacard is just as big of a criminal and thief as the person/persons who stole my debit card. The CFPB is running a close second. By allowing these institutions to get away with not having to honor the customer agreements people sign, you are condoning their actions. You are aiding these thiefs. 
Ask them the questions I have been seeking your help with getting answers to. Those questions still are the following : XXXX. What about my location, specifically, was considered in US Banks denial? 
XXXX. In what way, specifically, did I benefit from the fraudulent ATM withdrawls? 
XXXX. What pattern of use, specifically, does US Bank claim to see regarding the fraudulent withdrawls? 
XXXX. What about my monthly statement does US Bank consider to be evidence in their favor or evidence of why they made their decision the way they did? 
XXXX. Aside from my monthly statement what enclosures did US Bank provide me as evidence why they made their decision they way they did? 
Not only did US Bank Reliacard yet again respond to XXXX questions I presented, the CFPB responded and assisted with answers to XXXX questions. Thanks for nothing, again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation