Consumer complaint received 2023-01-04
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:
This is getting really old. What do I have to do to get someone to take this issue seriously? What happened is the same thing I have complained about countless times to you. The last complaints I filed were, XXXX and XXXX. There were many before that. 
You sent me an email saying the issue was closed and the company responded. No the issue is not closed and no, the company did not respond. You are doing nothing to assist or facilitate the problem here and US Bank Reliacard is doing nothing to return my stolen funds to me. They did not respond to my dispute now, and they have not responded to my dispute before. I keep telling you this. 
US Bank Reliacard owes me for my disputes that involve a government issued, ID verified, payroll card from the Kansas Department of Labor. My card was stolen without my knowledge or permission. My card was used at an ATM, at a credit union I am not a member of, nor do I use their services. I have provided my GPS locations on the days in question proving I was no where near when the stolen card was used. I have witness statements that verify I was no where near when my stolen card was used. A sworn affidavidt! I did not make these withdrawls. 
The very first time I filed a dispute with US Bank Reliacard, they denied my dispute without providing a valid reason. They instead offered me a monthly statement, which I already have many of, and made a blanket statement that did not provide any information what so ever. I have requested the documents they used in their decision making process and again, I get nothing but a monthly statement. This statement is not evidence of anything other than the transactions I did make, and the transactions I did not make. US Bank Reliacard continues to provide me no explanation, no evidence, and has yet to answer a single question I have asked them. To add insult to injury, US Bank Reliacard has gotten even lazier about addressing the issue by not addressing it at all. Yet again, on my last dispute, US Bank Reliacard did not even take the time to look over any of my evidence or documentation. Instead, I received a copy of the monthly statement and the denied dispute letter, that was a copy of the denied dispute letter and statement from the time before, which was a copy of the original dispute letter and statement. Do you follow what I am saying? They are not looking into anything but instead just printing out the same garbage they have always sent while continuing to avoid this problem. 
I am furious! Make them provide me evidence. Make them answer my questions. Hold them accountable already! If you can not do that I fail to see what, if any, purpose the CFPB serves. Do you just take the complaints I write here and mail them to US Bank Reliacard or what? Is there a real live human being at the CFPB, that can call a human being at US Bank Reliacard, and ask them to answer my questions? Those questions again are : XXXX. In what way does US Bank think I benefitted from the fradulent ATM withdrawls? 
XXXX. What evidence does US Bank hold that puts me in the location of the fradulent ATM withdrawls? 
XXXX. How can US Bank derive a pattern of use at an ATM, which I have not used, other than the pattern being that I have not used the ATM at that location? 
XXXX. What specifically does US Bank Reliacard claim to possess that is evidence that these were not fradulent ATM withdrawls that occured after the theft of my government issued payroll card? 
XXXX. Why does US Bank Reliacard not have to adhere to the customer agreement we had in place? 
XXXX. Why does US Bank Reliacard feel that they can violate regulation XXXX by denying me provisional credit when the agreement states they have XXXX days to make a decision without issuing credit, when the response to my dispute took them 26 days to reply? 

The next questions are for the CFPB : XXXX. Why do you allow US Bank to continue to avoid these questions? 
XXXX. What precisely has the CFPB done to address any of the complaints I have lodged against this criminal organization posing as a bank? 
XXXX Who is in charge at the CFPB? How do I contact them? 
XXXX. Do you ever read the responses that US Bank Reliacard has provided me in the past? 
XXXX. If so, why have you not noticed that they are in fact not providing answers to my questions? 
XXXX. Why do you continue to allow this? 
XXXX. Why is it okay for US Bank Reliacard to just print off more copies of the same old monthly statements, over and over, and call that a valid response? 

For the love of XXXX, do something about this already!!! Do your job, and if this isn't your job to facilitate this matter, direct me to someone who can do the job for you.

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