Us bank reliacard dispute form
S. DISPUTE A TRANSACTION - US BANK STATEMENT OF DISPUTED ITEM Instructions: You should first make good-faith efforts to settle a claim for The U. Need help? Want to report a lost or stolen card? If you have any questions regarding your account, call us toll-free, 24 hours a day, 7 days a week at 855. The U. I ordered the merchandise on [date]. Please complete and print this form if you are disputing a charge from a merchant that has posted to your card. Bank Reliacard for Colorado unemployment benefits but did not file a claim, contact U. Contact Us. Bank Reliacard for Colorado unemployment benefits but did not file a claim, fill out the U. You can call ReliaCard at (855) 282-6161 toll free number, write an email, fill out a contact form on their website www. Contacting merchants. A tied agent of New IrelandIn a credit card or debit card account, a dispute is a situation in which a customer questions the validity of a transaction that was registered to the account. Mission Park Mission Park is made up of four sections, each of which has horizontal entries. Kindly use additional copies of the dispute form if you are unable to accommodate all the disputed transactions "I/We hereby agree to indemnify the bank against any and all claims, losses and damages, arising out of the rejected ATM transactions, any misrepresentation or concealment of facts. Bancorp Investments account. Bank Reliacard has now told me that I should file another new dispute with different wording and then maybe they can help me. Once we have received your completed Transaction Dispute form, we will confirm that we have received your form in writing. CARDHOLDER DISPUTE FORM Cardholder Name Card Number Transaction Date Merchant Name Transaction Amount $ Dispute Amount $ Cardholder Signature Date Please check the appropriate box below that matches your dispute type the closest. Search"" Oct 26, 2020 · Verified customer. Disputing transactions. Your funds will automatically be direct deposited to your card. Instead of waiting for the check to We're working closely with participating states to get the cards distributed as quickly as possible. Mar 06, 2021 · Platinum Checking account: The . Worst company ever. com, or write a letter to U. Getting your unemployment benefits on the ReliaCard. Want to know more about our residences for first-year students? Read on! The Frosh Quad For the 2020-2021 academic year, Williams, Sage, and Lehman form the Frosh Quad (which is great on warm days for Frisbee, studying at one of the picnic tables, or hanging out in the sun). The seller promised to deliver the merchandise to me on [date], but I never got it. The Department of Labor & Industry’s (L&I) security vendor ID. A quick way to find If so, great. 1. If you are disputing an ATM, debit, or credit card transaction, please contact us. About the ReliaCard. Your bank may assess a fee for placing the stop payment. Start cobrowsing. Dispute a Charge: From your Credit Card page, select Dispute a Charge under Take Action. Email to Contact us at CARDHOLDER'S NAME CARDNUMBER Merchant Name. 432. Bank Trust & Custody at 866-681-5052 User Name and Passwords If you are an existing customer and you are unable to log in or have lost your password, please contact the Resolution Center at 1-866-252-4360 24 hours a day, Monday - Friday. We advise cardholders to contact their card-issuing bank as soon as possible. Bank Government Services U. U. Bank National Association pursuant to a license from Visa U. Us Bank reviews (www. bankI got locked out of my US Bank online account and have been on hold for FOUR hours. Card Number (mandatory). If you receive a communication that appears to be from U. In this article. 282. Bank immediately at 1-855-279-1678. Just a short video explaining my experience trying to report The US Bank Reliacard Unemployment Fraud so the people that need This tutorial will show you how to dispute a Transaction on US Bank. Bank, JP Morgan Chase, Wells Fargo, Bank of America and other institutions hold contracts to distribute these benefits on prepaid debit cards. 8779. The bank files that dispute on the cardholder's behalf, overturning the sale. - A copy of your credit report. Add an Authorized Signer: Under Customer Service, select Self Service and then select Manage Your Credit Account. When we receive a dispute from the issuing bank, we first look at our own records to try to resolve the dispute automatically. Bank ReliaCard continue to impact unemployed Coloradans as they wait for the cards to When Ronald Floyd opened the envelope, inside was a US Bank ReliaCard - a Welcome to SF States P-Card Team Tutorials. PNB Dispute Form. If the issuing bank is not convinced by your evidence and concludes that the transaction was It is important to understand that not all customers that file illegitimate disputes have malicious intentions. Free US Bank Direct Deposit Authorization Form - PDF #64052 Free US Bank Direct Deposit Authorization Form - PDF #64053 How to Void a Check: Set up Payments, Deposits, and Investments #64054 Us Bank Reliacard Customer Service 1 day ago · Us reliacard phone number. They asked that l deposit the check to my bank. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. You can only dispute this charge when the refund was due to a. When Bank of America announced plans to charge regular banking customers a monthly fee to use their debit card it created a wave of public criticism . com, for inquiries. Contact us concerning disputes. Bank by filling out the form on usbankreliacard. The US Bank Reliacard Prepaid Debit is a reloadable prepaid debit card that allows you to get government benefits, such as COVID- 19 unemployment claims, via a debit card instead of by a paper check (the card is available through over 94 government agency programs across 30 states). T. Oct 26, 2020 · Verified customer. Forgot user ID? Call the Customer Service telephone number displayed on your invoice during normal business hours. If assistance from US Bank is required, please complete this form and call the bank within 60 days of the billing close date. pdf 1 day ago · Us reliacard phone number. Us Bank ranks 154 of 740 in Banks category. Bank ReliaCard®. For a convenient and cost-effective payroll process, and to reduce reliance on paper checks, put the power of prepaid to work for your company with the U. Bank. Bank ReliaCard® Fee Schedule and Pre-Acquisition Disclosure » I am writing to dispute a debit in the amount of [$_____] on my account. Cardholder Request Form. Bank ReliaCard for Colorado unemployment benefits but did not file a claim, deactivate the card immediately by completing the online form on the CDLE’s website and emailing it to U. Needless to say, it is February and I still have not received the funds back into my account. Just got my usbank reliacard replacement card in the mail!Resolve disputes quickly.  X Research source However, the creditor is not required to respond unless youFollow us on The bank contacted him after 12 months of closing the card with a letter that some dues were still pending. required. Bank, 800 Nicollet Mal, Minneapolis, Minnesota, 55402, United States. me has identified additional phishing attempts and fraud scams leveraging social media, text messaging, and email to lure unsuspecting individuals into providing personal information so that the scammers can claim their identity for Pandemic Unemployment Assistance (PUA). Tell them that a fraudulent unemployment claim was filed using your information and ask them to deactivate the card. Jan 21, 2021 · Deactivate the debit card if you received a U. So Reliacard is saying to either file a fraud report, which the poster does not want to do since the card was not lost or stolen, or call US bank. Disputed transaction form. 1 day ago · Us reliacard phone number. We don't own or control the productsWe send U. As a reminder, legitimate companies, including U. 5,500 was stolen out my account Us bank reliacard credit back to my account then put it on lock for to months I gave the everything the ask I called called they tell me nothing they can do. The safest way to bank with us right now is from home either using our app or through Internet Banking. 1- Completed claim dispute form 2- Photocopy of Debit Credit Card (if available or Debit/ Credit Card application form) 3- Police Report (where applicable) 4- Statement of Credit Card Account (reecting claimed transactions) 5- If the loss has taken place outside the country of residence of CardholderIn order for us to investigate your dispute: 1. Bank’s FDSS Team at 800-815-1405. pdf), Text File (. my). Activate Your The U. This link takes you to an external website or app, which may have different privacy and security policies than U. . When I first signed up, they requested a a letter with your account information from the bank. Bank's FDSS (Fraud and Disputes Service Solutions) Team at Mail or fax a detailed letter explaining the reason for filing the dispute and the transaction. I had money on the card and I gave no one authority to use my card. Bank ReliaCard transaction. •Dispute via form. A formal complaint against U. ©2018 U. A stop payment remains in place for six months. For all other kinds of disputes, please log on and start a chat with one of our advisers. A. Bank. You can use the ReliaCard Mobile Banking app to check your account balance, enroll in and manage text alerts, view your most recent transactions or search for the nearest in-network ATM location. If you believe there has been unauthorized use of your account, please contact us immediately by calling 800. usbankreliacard. If you receive unemployment benefits, you are legally responsible for following state and federal law. How does the ReliaCard work? Once funds are added to the card account, it canUs bank reliacard not handling dispute and provisional credit correctly and agents and supervisors not on the same page at all. Mar 05, 2021 · US bank apparently opened a second checking account and closed a saving acct, unbeknowest to me. Jun 03, 2020 · I received a letter and a check of ,950. I decided to hand write all the details and send it off the same day, given that I was advised I only have 10 days from the day I called to get the form or letterRead reviews, compare customer ratings, see screenshots, and learn more about U. Bank, or by calling U. S Bank Form or contact U. Jul 27, 2017 · Your bank must investigate the dispute, and you receive a full refund if your dispute claims are upheld. o Contact U. Bank 1-855-279-1678. Cardholder's name: card I understand that in order to process a dispute for this reason, my card The CIBC logo is a trademark of Canadian Imperial Bank of Commerce, used by First Caribbean International Bank under license. No need to pay check cashing fees. Forgot Password? Register Online. That's the process in a As mentioned above, a dispute is essentially a credit card reversal. Bank immediately at 1-855-279-1678 or complete the online form. Bank ReliaCards only as directed by the State unemployment agency. Bank Form and contact U. You might have already gotten your payment direct deposited into your bank account. In most cases, the money will be available within three (3) business days after DCSS applies the payment to the case(s). Name: Language: CSF 01 0580: Employer New Hire Reporting Form: English: CSF 08 0700A: Direct Deposit Enrollment/ Authorization Form: English | Español: CSF 08 0700B: ReliaCard Enrollment/ Authorization Form I have read and accept the U. Bank, not the child support office or the state of Minnesota; Is a debit card, not a credit card; Can be used anywhere debit cards are accepted; Can be used to make purchases, withdraw cash, pay bills and anything else you can do with a debit card. If you didn’t apply for unemployment benefits but received a card in error, please call your State unemployment agency immediately to report the fraudulent unemployment claim. US Bank Dispute & Fraud Processes - SDSU Research Foundation The SOF will normally be mailed to the system address on the card. Download the PDF of the selected form to your computer. To Dispute Section (E-mail: [email protected] Bank ReliaCard and enjoy it on your iPhone, iPad, and iPod touch. (Black out any personal information that does not pertain to your dispute. Forms. … Send a scanned of your correctly-filled form to us or simply walk into any of our branches to complete your application. If you provide your name and contact information, state or county fraud investigators may contact you for additional information. Bank ReliaCard® at 888-233-5916 (one card per year is available at no charge). If you commit unemployment fraud, you must pay back benefits you were not entitled to receive plus a 15 percent penalty on benefits you fraudulently received. CardMember Dispute Form. Bank ReliaCard balance, sign into your account at USBankReliacard. Bank ReliaCard, you may receive the card in the mail before funds are loaded onto it. Bank ReliaCard you did NOT file for. We send U. For disputed transaction beyond 60 days from transaction date, please attach a letter indicating reason why the transactions were not immediately reported to the Bank. This Agreement governs your use of online banking services (“Online Services”) through this site. If you don't apply for direct deposit, you will be sent a ReliaCard®. Email this form and any additional documents to Receiving the card is simple; DHHS clients can contact ACCESSNebraska at (800) 383-4278 and request to have ReliaCard as their payment method. A debit card will not be issued until this request has been processed, which generally takes two days. I have called Reliacard a total of 11 times since the dispute was formally filed, totaling over 16 hours of waiting on hold to get a resolution. ReliaCard Fee Schedule. They are available 24 hours a day, 7 days a week. S Bank form at this link and contact U. S Bank Form. It is taking us longer than normal to get back to everyone currency conversion. Warning: It is the responsibility of cardholders to make accurate, complete and truthful claims. Tell The U. I had all my passcodes and passwords in notebook incase I forget. US Bank violated disability discrimination act. Bank ReliaCard® Fee Schedule -- long form; The U. 855. You might have gotten a check in the mail. This dispute has been on-going on over 3 months now. URL Name. Texas asks if any personal information changes to pls update it at the unemployment site. How do I request Direct Deposit? The Enrollment/ Authorization Form (CSF 080700A) is available both online When will my Direct Deposit go into effect? Once your authorization form has been received and processedMany states offer the U. Enter the last four digits of the card you wish to replace. I hereby affirm that the information furnished above is true and accurate to the best of my knowledge. Providers can follow these steps to complete the required form FA-100-ES-P. Reliacard Visa Fact Sheet (PDF) FAQs about the ReliaCard VisaThe best phone number and way to avoid the wait on hold, available live chat options, and the best ways overall to contact US Bank in an easy-to-use summary, as well as a full comparison of the 7 ways to reach US May 28, 2020 · “If you received direct deposit of your refund based on your 2019 tax return (or 2018 tax return if you haven’t filed your 2019 tax return), the IRS has sent your payment to the bank account I certified for a few weeks and it stayed pending, then I received a few letters in the mail, an award letter, a new claim balance, and then a letter asking to send in my 2019 annual income, then a a letter with updated claim balance and appeal form if i wanted to appeal the balance. Customer disputes, claims, chargebacks, and bank reversals are ways customers can initiate complaints. Customer Service Via www. com, sign up to receive text or email alerts, call Cardholder Services or use an ATM, according to U. Instead of waiting for the check to arrive and then going to the bank to cash or deposit it, your funds Transaction Dispute Form / Written Statement of Unauthorized Debit Please complete and print this form if you are disputing a charge from a merchant that has posted to your card. When to Talk to a Lawyer If an identity thief has opened new accounts in your name and you need help dealing with the aftermath, consider talking to an identity theft lawyer A new twist in unemployment benefit fraud is targeting people with legitimate debit cards that are sent through the mail. Fill out the U. Name. Oct 04, 2008 · Called the bank to dispute the charges and they told me I had to sign and return a form they were mailing. Disputing a charge is not difficult, but there are steps to take before contacting your credit card issuer, including Before getting into a credit card dispute, wait until the unfamiliar charge actually posts to your account. I've now gone more than ,000 in the hole. 4. Details of disputed item transaction date. The mobile app, available through various app stores, can also provide balance amounts. Bank, will never ask you for sensitive account information such as your Passwords, PIN Numbers, Social Security Number or Account Numbers via email, phone or text message. Contact Us Welcome toCardholder Dispute Form. You may also consider placing a fraud alert with the consumer credit bureaus. Bank branch. How long do I have to wait for my bank to resolve a disputed transaction?From account opening forms to updates and service requests, this is your one-stop hub for all the forms required to complete your banking applications. (This line is for existing fraud or dispute cases only. --- 2/25/14 UPDATE: U. Tell them that a fraudulent unemployment claim was filed using your information, and ask them to deactivate the card. May 26, 2010 · It seems she tried to lodge this dispute with BOTH US bank and reliacard, which happens to be US BANK is the issuer. Cardholder's Transaction Dispute Form. 252. Bank ReliaCard is a pre-paid debit card that is credited whenever a payment is posted to any/all of a client's child support case(s). Jan 26, 2017 · If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should still notify your bank or credit union right away. On this page. nice meal–>overdraft fee (Example based on this article). Your card will be funded two to three business days after your claim has been approved. The ReliaCard is issued by U. Bank-branded ATM may assess a fee on any ATM transaction you do. Learn how to recognise when you should raise a transaction dispute and howUnemployment Insurance U. Although most sales transactions are processed, posted and paid for with few problems, Visa has an efficient process for settling disputes. Note: Please contact after 72 hours on the phone banking services 800 124 3000 to make sure of the receipt of the dispute form and to get the despute number. 3 and consumers are mostly dissatisfied. Report problems with your bank, financial institution, lender, or broker. US Bank Reliacard Unemployment Fraud. Online - View account online at www. Children need emotional and financial support from both parents. pdf - Free download as PDF File (. Cardholders who receive monthly account statements All account disputes should be directed to the Prepaid Debit Card Customer Service Center at 1. If you do not respond in time, we may have to reverse and withdraw any credits issued to you and close the dispute. Online and mobile banking will be unavailable from 06:00 to 10:00 GMT Sunday 6 December 2020. Dispute options for various cards. Upon entering the bank, the Assistant Manager advised that I had to contact US Bank Reliacard to have them expedite the 'credit' to my account because it has to go 'bank-to-bank'. Search for “U. Please include a copy of all supporting documentation such as transaction receipts and correspondence with the merchant. The CARDHOLDER INFORMATION and ATM Dispute Form. I am disputing the transaction(s) listed above for the reason as follows and request you to settle the cases. Welcome to SF States P-Card Team Tutorials. If you received a U. S Bank Form below, contact U. Why is my Visa transaction for a different amount than what I authorized? When merchants accept a Visa Debit Card, they begin by obtaining an authorization, or a verification of adequate funds in the account, to approve I am writing to dispute a debit in the amount of [$_____] on my account. usbank. com. Want to dispute a transaction? Before you begin. Wire Transfer Normally, it will take 7 business days for us to receive your payment after your wire transfer. Huntington Card Customer Service. Jun 29, 2020 · If you received a U. The Bank reserves the right to take action against cardholdersAvoid US bank at all costs. I certified for a few weeks and it stayed pending, then I received a few letters in the mail, an award letter, a new claim balance, and then a letter asking to send in my 2019 annual income, then a a letter with updated claim balance and appeal form if i wanted to appeal the balance. Bank and a ReliaCard with his name on it. Instead of waiting for the check to arrive and then going to the bank to cash or deposit it, your funds Contact ReliaCard customer service. About Us. The overall rating of the company is 1. To apply: Use the Online Claim… Note: Due to our current workload, mailing or faxing these forms to us will delay your direct deposit. Transaction Dispute Form / Written Statement of Unauthorized Debit. The information may also be disclosed to our customers as part of your credit report. No need to make extra trips to the bank. Bank to provide this prepaid debit card as a payment option. Us Bank Overview. Use it anywhere Debit Mastercard is accepted! Visit DCSS Brochures page for a ReliaCard brochure today. Bank ReliaCard ” in the App Store or Google Play. Contact ReliaCard customer service. If you chose to receive benefits on a U. ** Please DO NOT send any confidential information to us via this form or e-mail, including your account number, social security number or other account information. Bank Reliacard is a third party who process payment and terrible customer service when it comes to dispute they're disgruntled employee will be delayed processing certain refund I had dispute at the Central Market for . Barclays Bank UK PLC adheres to The Standards of Lending Practice which are monitored and enforced by the LSB: www. Please enter the information below and login to begin. Jan 22, 2021 · The US Department of the Treasury and the IRS are working hard to get a second round of Economic Impact Payments (EIP) to people. If you didn't apply for unemployment benefits but received a card in error, please call your State unemployment agency immediately to report the fraudulent unemployment claim. After a rep told me my card be here early this week still no card and I have bills to pay kids to feed this crazy. Regions CheckCard / Now Prepaid Card Dispute Form1. It's the same queue for lost or stolen cards. You have access to you funds right away and you can use your card to make purchases, pay bills or get cash. Fax Back to. LANDBANK CREDIT CARD Request Forms. com), you agree to the U. Bank’s Customer Service at 800-657-6343. HELP CENTER How can we help you? Search Search. Bank Prepaid Online and Mobile Banking Agreement (the “Agreement”). com. Bankwest Transaction Dispute Form. Jan 12, 2021 · If you received a U. Bank will not send the ReliaCard to a mailing address outside of the United States. q I have neither incurred nor authorised the above transactions. S Bank Form contact U. ) o If assigned to a case processor you may contact them directly at their extension. reliacard. Poor customer service. DISPUTE A TRANSACTION – US BANK STATEMENT OF DISPUTED ITEM Instructions: You should first make good-faith efforts to settle a claim for purchases directly with the merchant. To request a replacement card, call U. Email this form and any additional documents to You should also report the fraudulent claim to U. We can raise disputes for unrecognised, duplicated or pending transactions that are a different amount to what you agreed to. ) Check the "ReliaCard" box as the desired payment method. After a week of the preauthorization funds not being returned to me, I filed a dispute. Us Bank was first mentioned on PissedConsumer on Mar 18, 2008 and since then this brand received 441 reviews. So when the State posts the money to our account, US Bank holds it for at leastThe ReliaCard is a reloadable, prepaid debit card issued by U. 47 from Secret Survey, they asked to confirm that l have received the package via text to this number 346-348-5800 with my full name, amount received, bank name of the check, my phone number and estimated time to complete my evaluation. I asked them to just email it and they told me it was against their policy to do so. US Bank Reliacard is anything but reliable and I will have to continue to badger them to receive the money that I am owed due to THEIR mistake. Please be aware that in most instances we will need you to try This form cannot be used to dispute suspected fraudulent transactions - if you don't recognise a payment that has been made using your credit cardPlease complete a form for each dispute charge of a different reason. Y: Submit the completed form to [email protected] For travel or holiday related transactions this means filling out one of our dispute forms. Bank immediately at 1-855-282-6161. Note: Click here to see FTC sample dispute letter for existing Jun 29, 2020 · If you received a U. No bank account is required. Search"" Welcome to SF States P-Card Team Tutorials. If the merchant's bank sends us a receipt for the disputed transaction, we'll send you a copy. Tell If you received a U. Please use this dispute form if fraudulent card transaction(s) are withdrawn from your account, and your Contact us concerning disputes. Note: Click here to see FTC sample dispute letter for existing HELP CENTER How can we help you? Search Search. Bank and Credit Product Complaints. Mail the completed form to U. I was in arrested may 28th 2020 and released Jan 4th 2021. Search"" If you received a U. In the event a Visa transaction actually posts to your account twice, please contact us at 1-800-964-3444 to file a dispute. Select Dispute this transaction at the bottom of the screen. To learn more or open an account contact your U. ) In the event a Visa transaction actually posts to your account twice, please contact us at 1-800-964-3444 to file a dispute. Jun 25, 2020 · When Tim Patton opened his mail he was surprised to see a letter from U. Bank Focus Card TM, a Visa ® /Mastercard ®-branded prepaid card. Direct Deposit 2. US Bank is basically saying the old "there is nothing we can do". Issues with receiving a card. Jan 11, 2021 · If you received a U. FRAUD ALERT: The receipt of a 1099 form by a person who didn't file for unemployment may indicate a case of identity fraud. Bank ReliaCard. The transaction can't be disputed with us if you received the goods or services you purchased. Let us know about your dispute. Bank ReliaCard: Is offered through U. My payroll checks were deposited and have been for quite sometime now into the closed savings account and today when I didn't see my payroll money in my checking acct, I called US Bank and was told that there was a temporary transfer from the savings into the checking. s. If your card has been lost or stolen, please contact our Customer Service Department at (256) 386-5000 or (877) 865-5050, visit one of our sales offices, or use the ManageProviding us with any relevant documentation as soon as possible could also help make the process faster and easier. Any information, such as phone number and email address, provided to U. Advise them that a fraudulent unemployment claim was filed using your information and request that the card be deactivated. Upon contacting Reliabank (what a joke), I was advised there would be a claim filed with a provisional credit issued in 10 business days. Phone Number (This is important to allow us to get in touch with you for further (ii) On receipt of clarifications from member bank regarding the disputed charge we shall revert to you with the clarifications on the dispute, whichIssues with U. Unprofessional customer service and very unorganized. Dispute/claim: Buyer contacts the seller directly through PayPal's Resolution Center site to file a dispute, and the two parties work together to find a solution. Most banks will require cardholders to submit a dispute resolution form within 14 days from the card statement date. Mail the letter and associated documentation disputes and keep copies of all correspondence. Prior to a disputed charge posting to your account, you also have the option of placing a stop payment on an ACH transaction. Download U. The amount is inaccurate because the merchandise I ordered was not delivered. Then certified more and still was pending for a few weeks The Department of Children & Family Services works to meet the needs of Louisiana's most vulnerable citizens. Or, print out, fill out, drop off or mail in your Enrollment Form today! PUA Fraud Alert. Bank asking for this kind of information, do not respond. Bank N. If the credit reporting agency resolves the dispute against you, then contacting the creditor directly is the next logical step
What is a chargeback—and how to dispute credit card transactions
The Chase Freedom® is not currently available to new cardholders. Please visit our list of the best cash-back cards for alternative options.
If you paid for an item but never received it, or it arrived damaged, you may be frustrated and want your money back, justifiably. As a result, you may try to dispute it with your credit card issuer through the process of a chargeback.
Chargebacks are different from refunds, but both can result in you receiving a credit for an order that went wrong or a fraudulent charge on your account.
Below, CNBC Select reviews what a chargeback is, how it differs from a refund and how to ask for one if a delivery goes wrong or you see a red flag on your credit card statement.
What is a chargeback?
Chargebacks are a consumer protection tool that allow consumers to get their money back for fraudulent charges or purchases that don't live up to standards by submitting a dispute with their card issuer.
If you notice a transaction on your credit card account that doesn't look familiar or run into issues with a recent order, you may want to (and should) dispute the transaction. Generally, you'll have two options when disputing a transaction: refund or chargeback.
A refund comes directly from a merchant, while a chargeback comes from your card issuer.
The first step in the dispute process should be to go directly to the merchant and request a refund. This may require you to bring the item back to the store with a copy of your receipt, or you may be able to contact customer support and get a refund online.
For instance, I recently received an item from Amazon that didn't live up to standards. The item was unwrapped and said "try me out." I began the dispute process by directly contacting Amazon customer service via chat and explaining the issue. Moments later I received a refund for the item, but that may not always be the case. If Amazon wasn't willing to credit the purchase, I would have requested a chargeback with my credit card issuer.
Chargebacks should be the next step if asking the merchant for a refund doesn't work. You initiate a chargeback directly with your card issuer in the hopes of the transaction being reversed.
When to ask for a chargeback
There are several situations that qualify for requesting a chargeback, such as:
- Fraud or unauthorized charges on your account: If you don't recognize a transaction and suspect it was from fraud.
- Packages that were never delivered: You may receive notice that an item was delivered, but it actually wasn't.
- Damaged or defective items: If an item came opened or missing certain parts.
- Incorrect charges on your account: The cost of the item purchased was different than what you were actually charged (this happens most often at local businesses that enter prices manually).
Keep in mind, many credit card issuers offer $0 liability on unauthorized charges, so if you have the Citi® Double Cash Card or Chase Freedom®, you won't be liable for unauthorized charges.
How to request a chargeback
If asking the merchant for a refund didn't work, request a chargeback with your credit card issuer. Many card issuers let you dispute transactions by phone, mail or online. You may also be able to submit a dispute directly through your card issuer's mobile app.
When you submit a chargeback, you may need to include supporting documents, such as copies of a receipt, invoice, contract and any communications you had with the merchant. Anticipate that the dispute can last up to 90 days or two billing cycles, whichever is shorter.
Once you submit a chargeback request, the exact process varies depending on your card issuer, network and situation, but generally results in some back-and-forth between various parties. Here's an example of how the process may go, according to Experian:
- You file a chargeback request.
- Your card issuer reviews the dispute and will decide if it's valid or if you have to pay. If your issuer accepts the dispute, they'll pass it on to the card network, such as Visa, Mastercard, American Express or Discover, and you may receive a temporary account credit.
- The card network reviews the transaction and either requires your card issuer to pay or sends the dispute to the merchant's acquiring bank.
- The merchant's acquiring bank takes one of two actions: Sends the dispute back to the card network and says the issuer is at fault or forwards the dispute to the merchant.
- If the merchant gets it, they either agree to pay for the transaction or dispute the chargeback.
- If the merchant disputes the chargeback, there may be more back-and-forth as the merchant, acquiring bank and card issuer try to settle the matter. But if the merchant agrees to pay, the process is a bit smoother.
- At the end of the day, the card network decides who pays. A successful dispute will deem the temporary credit you received to become permanent.
Information about the Chase Freedom® has been collected independently by CNBC and has not been reviewed or provided by the issuer of the cards prior to publication.
Little-Known Facts About Your Prepaid U.S. Bank ReliaCard
As someone who often uses prepaid cards, I'm here to share my insider tips with you to help you use your card wisely.
What Is a ReliaCard?
This product from U.S. Bank is designed to help people receive government benefits, such as unemployment compensation and/or child support payments. It is a debit card that is issued by state agencies in place of paper checks.
How to Start Using Your ReliaCard: Important Tips
- Make sure your info is up-to-date. Make sure that the Card Services department (which can be reached 24/7 at the number on the back of your card) has your updated address and phone number. This will ensure that you can get card replacements quickly and easily. It will also ensure that your identity verification goes smoothly whenever you need to speak to a call center agent.
- Know your provider's terms and conditions. Knowing your card provider's terms and conditions will help you understand how transactions are handled. Of course, due to the fine-print nature of the documentation, it can be easy to overlook the important items. Reading every disclosed piece of information will make you aware of U.S. Bank's policies and help you avoid headaches and the inconvenience of having to resolve problems.
Using Your ReliaCard for Gas
According to the current ReliaCard FAQ, gas stations may place a hold on your card that's greater than the amount of your purchase when you pay outside at the pump. For example, your ReliaCard may be pre-authorized for a $74.00 hold when swiped at the pump, even if you only bought $10.00 worth of gas.
The automated fuel dispenser is an unmanned terminal that doesn't "know" how much fuel you intend to purchase. Therefore, the second the card is swiped, the $74.00 hold is instantly initiated. (If you have less than $74.00 in your account balance, then the card will be pre-authorized for the remaining amount on your card.) Once the gas station comes and collects the funds for the actual gas purchase per your receipt, the unspent part of the hold will be available again in your card balance.
Example: If you pump $10.00 worth of gas, that $10.00 will be matched against the $74.00 hold (or another amount if there's less than $74.00 in your card balance). This results in $64.00 being returned to your available balance after the transaction is complete.
How to Avoid the Hold: Don't Pay at the Pump!
Don't pay outside at the pump—pay inside with the cashier instead. If you go inside the gas station and pre-pay for your fuel, no other amounts will be held on the card. You will only see the exact transaction amount. Per the card's FAQ, some ReliaCard programs don't even offer the pay-at-the-pump option, so you may need to always pay inside anyways.
Frequently Asked Questions About ReliaCards
Can I Leave a Tip?
If you go to a restaurant or a bar, your card will be pre-authorized for about 15 to 30 percent (the official FAQ suggests 20 percent) over your actual bill to accommodate a gratuity amount if you wish. If you don't leave a tip on the card, it will still be over-authorized for that percentage and then settle for the actual amount on your receipt once the establishment submits the invoice for payment.
Can I Go Over the Prepaid Card Limit?
Although these cards are prepaid, some merchants can force transactions to go through and be honored by U.S. Bank. Therefore, knowing exactly what your balance is before you make a purchase will prevent an over-authorization on your card account and help you avoid expensive overdraft fees. If you have opted in for the Overdraft feature that allows the card account to go into the negative, keep in mind that overdraft fees will be assessed for EACH transaction that makes your account negative each time—even if it's only over by one cent.
How Do Overdraft Fees Work?
Overdraft fees can occur in about 24 to 48 hours after the transaction that caused the card account to go negative has posted.
As a cardholder, you are entitled to have one fee reversed once per calendar year, regardless of the amount. It's your right, and you're entitled to ask for this courtesy when talking to Customer Service.
How Can I Cancel a ReliaCard Transaction?
If you make a purchase that you no longer want, by law, you the customer can't cancel it. Unfortunately, the merchant has to provide the Card Services Customer Service agent with an approval code, which is a 6-digit number that starts with a zero, while the charges are in pending status. Otherwise, the transaction has to settle, and then you may ask to dispute it with U.S. Bank.
Why Was My ReliaCard Rejected?
The ReliaCard comes with a security feature to prevent unauthorized use. If you attempt three transactions and those are rejected, the card will automatically block itself to prevent further use until you call Customer Service to have them unblock it. The same is true if your PIN is entered incorrectly three times.
How Do I Check the Balance on My ReliaCard?
When using an ATM, don't rely on the balance stated on your receipt as the most current information on your available funds. Always check your card through the automated phone line at 866-276-5114 or by accessing the card's website: U.S. Bank ReliaCard.
What If I Lose My Card?
Call Customer Service to report your lost card immediately and request a replacement. If you have yet to receive your card replacement, you can access your funds by asking Customer Service for a funds transfer to a valid checking or savings account at a bank or credit union. Depending on where you live, there may be a $2.00 fee, but it's free otherwise. When you call, make sure to have the bank's 9-digit routing number and the account number handy. Depending on your financial institution, the funds may be available in 1 to 3 business days, not counting the weekend or holidays.
What If I Want to Close My Account and Cancel My Card?
Finally, you're not obligated to keep your ReliaCard account open. You may choose to have your government agency close it and request that your benefit funds be direct-deposited into your bank, credit union, or even another prepaid card program of choice.
This article is accurate and true to the best of the author’s knowledge. Content is for informational or entertainment purposes only and does not substitute for personal counsel or professional advice in business, financial, legal, or technical matters.
Jennifer on September 08, 2020:
I HAVE FUNDS BUT CANT USE MY CARD DO TO IDENTY SO I FAX THE INFO UPLOADED THE INFO TO MY ACCOUNT . NOW IM TOLD ITS IN REVIEW HOW LONG DOES IT TAKE TO REVIEW U HAVE ORIGINAL STATE ID AND SSN ALONG WITH LEASE AGREEMENT ! Tired of calling hearing that i have money available but the card doesnt work . wtf thats why your call volume is high
CoVid PA on August 29, 2020:
Reading all these posts may help fix this flawed system. When
I initially filed. The information stated that if I had been gainfully employed for more than 2 years I would have to request a new reliacard. So I did, Backlogged my claim for 8-10 weeks and never knew what the heck was going on besides a pending/ approved status letter. Still..great news! But no funds. Kept filing and BOOM I had hardcheck after hardcheck. Still no ReliaCard. Then somehow checks started hitting my bank acct via direct deposit. Total chaos, cause I havent had it set up since the previous UC claim some 4 years earlier. But scary thing, Wheres my ReliaCard I requested some 2 months ago? Then the 3rd world fraud hackers infiltrate the system. And we stop all direct deposits and I get 2 ReliaCards the sameday? So 1 for UC benefits, and 1 for Pandemic Stimulus maybe? Well thats a NO. Customer Service told me to destroy card #????, So I did, got text alerts that money was going on card as planned. Go to use card: balance is $0. WTF now. Seems money went to other card that was never activated. So Bank Rep transfer balance to my active card. YEAH Happy! Then somehow my money started getting split up. Some went into direct deposit acct, some to Relia Card? WTF again. Bank Rep has no answer for that issue. But its a glitch that has not lost my money. And of course the money deposited to the wrong Reliacard acct had to be transfered again. HAPPY again! Finally my money issues settle down again. Still being split for unknown reasons but UC goes to my bank acct, and pandemic funds to ReliaCard. I call again to customer service and explain that my funds are going to wrong acct and I need them transferred again to my active card. Shouldn't be a problem, But... This bank rep stats that the should have never transfered the money in the first place and should have reordered me the destroyed ReliaCard that was never activated.? Overwhelming process.. But atleast she found it in her heart to waive the 15$ replacement fee! What a blessing! So had no way to access any funds again for the mandatory 7-10 business days awaiting new card arrival. But now I am all good 4 months later. Still have no answer to why they sent funds via direct deposit to my bank account when I never set it up again. But its still being split as it stands today. And I am soon to return to my employer now that this CoVid 19 dilemma has lessened in threat level. Good luck to all of you still battling this system, just remember to dust yourself off, and get back up!
RockSoul on August 19, 2020:
How is this in anyway more secure and preventing fraud? Verifying my bank account for direct deposit is much more secure and uses less labor and resources to achieve it. This card goes through how many hands and then sits in a mailbox (if it ever arrives), which at any point along the way it can be lost or stolen and easily activated by anyone. Then you have the expense of manufacturing, shipping, and providing customer service for this card and all the issues that come with it. Plus we are then asked to provide our sensitive information to yet another system, which is surely high-risk for potential cyber attacks and data breeches. I hope after this sh!t show people will see the incompetence of their government officials and clean house this election. It's time for "We The People" to hold these positions. We need to elect people with common sense and a true understanding of day-to-day living for most Americans. These out-of-touch, wealthy incumbents (State and Federal, Democrat and Republican alike) have been administrating too long. They just come up with "brilliant" plans and expect someone else to figure out the implementation, then pass the blame when it all goes to sh!t. They live in a fantasy world free from consequence. It's got to change and soon. America can't go on like this much longer.
Stormylove2 on August 11, 2020:
I just found, that I was giving a utility allowance a year ago. I never received this info or a card. Will the money still be available for me, once I get the card. I have been on hold with them for 2 hours. I was advised to call them if I didn’t have a card. Any info greatly appreciated. Thanks
Nowell Clay on August 10, 2020:
I got disabled from my account because my finger said my password was wrong I followed all the steps to get back in and it failed I'm not stupid everything I needed to type in was right in front of me.
Help me! on August 09, 2020:
How do I get my account number and routing number from this ReliaCard prepaid card?
Charleston Greg on August 08, 2020:
Can I get a refund back into my reliacard, if the bank I sent the money back to was closed??
somewhere in the south on August 07, 2020:
i called customer service waited 2 TWO & a HALF 1/2 HOURS to get hung up on when i didnt have my 16 digit card number because it was stolen. I understand this company is getting hammered pretty hard with the volume of calls they are recieving daily but just as i had to be patient customer service could have given me 5 mins of their time especially after the time i waited to get thier a$$ on the phone.
PISSED !!! Somewhere in the SOUTH
Don gallicio on August 06, 2020:
I have money in my account but the Mac machines r saying to contact my financial institution I don't even know what that means but I can't get thru to anyone to find out
Keith Brosius on August 06, 2020:
I'm locked out of my account I need to get back in
AriesMoon on August 06, 2020:
The security features do not work. And reporting unauthorized charges requires you to print out a form and fax or mail it in. During a time where we should be limiting public interactions and staying at home, the last thing I want to do is go out and fax a form! I've been dealing with someone using my card on a fake Amazon website. It shows up as AMZN.com on my transactions- Amazon never abbreviates their website. Be careful out there and change your PIN regularly!
Ericc on August 05, 2020:
Anybody have a problem with the ATMs or Sending Money from your card? But there not saying the real problem.. money's on your account and everything but it won't allow you to spend or make any transactions?? HELP ME PLEEEEEEASE
Bryan on August 05, 2020:
It asking me for my last 4 of my ss and i did and still not doing
ML on August 04, 2020:
Customer service is ridiculous. I waited for 45min and finally someone picked up and there was all this laughter in the background from i guess the rep's coworkers. Then when i explained my issue she just hung up on me. I guess she didn't know how to solve my issue, which is that i can't make an online account through my web browser or the app. It doesn't recognize my card number (which is definitely valid because ive used the card several times already). So frustrating.
Rolando montemayor on August 03, 2020:
Need to get a refund. Need help to understand why.. They take out money..
Doesn’t even matter on July 29, 2020:
They are by far the worst!!!!
Marlo on July 29, 2020:
Why does my newly received and activated card shows 0 balance?
MaackBeeam814 on July 28, 2020:
I have $8000 on my card and everywhere I go to use it says card is declined but I'm still allowed to log in my account
Orlando woody on July 28, 2020:
Need my card unlock1
Edward Rodriguez on July 27, 2020:
WHY don't they answer the phone!
John Conrad on July 26, 2020:
Can you overdraft on atm withdrawals
Kate B on July 24, 2020:
I had the same experience as people described below. I read online that it might be faster to request a callback. THEY CALLED ME 40 MINUTES LATER!! Here's what I did:
I called the customer service number, and since I didn't have my card yet, I waited for the message asking for my last 4 digits of my card # to play 3 times. After 3x, it gives you the balance. I then pressed "0" (to report a lost or stolen card- even though I hadn't receive one yet). After waiting 1-2 minutes, a message came on warning me of the extremely high wait times, and gave me a choice: continue to wait, or receive a callback. I chose callback, entered my cellphone number, and received a call about 40 minutes later. My PUA was straightened out in 2 minutes. I did this again when my card hadn't arrived, and was called a half hour later. Before that, I called 6 days straight, waiting 7+hours each time. Just putting it out there. Good luck everyone!
Dutchess Redd on July 21, 2020:
What if i want too cancel my relia card account and i have funds available
Sam on July 11, 2020:
If a transaction was refunded Does the money go back on the ReliaCard? If not how do you get your money back?
lisa on July 02, 2020:
can the usbank reliacard be used as a form of direct deposit after you return to work
F on May 29, 2020:
I suggest to everyone on this board to file complaints with the Federal Reserve, the OCC, and the FTC:
Adam pitre II on May 28, 2020:
Why can you not get in touch with a customer service representative this is a damn joke I've been trying to dispute charges on my card for 5 days I mean come on
E on May 28, 2020:
Us bank should be thoroughly ashamed of themselves. They are making a fortune by working with the govt, and providing a supremely inferior sub par service. Transfers don't work, atm will not work, cards don't get sent, they wont answer their phones, the list goes on and on. they are essentially holding peoples money with limited access.
I suggest to everyone on this board to file complaints with the Federal Reserve, the OCC, and the FTC:
Messiah on May 27, 2020:
Welcome everyone, to the world of prepaid debit cards!
Kathoga on May 17, 2020:
It took me months to sort out my issues with USbanks ReliaCard. Unfortunately, the reliability of ReliaCard cards and services seem to be overwhelmed by unemployment. My advice is to stay on top of getting your issue resolved. I was placed on hold for up to 14 hours in the past and still managed to become disconnected. The phone lines are consistently overwhelmed so it’s best to call late evening/early morning 1am-8am. Be sure to call the ReliaCard branch of USbank and hold out to speak to a physical person If your card hasn’t arrived or is lost, stolen, or just missing order a new card ASAP. Make sure they have your correct/current account information. Misinformation is usually the root of the problem with missing debit cards. My card didn’t arrive for over a month and I finally discovered the had a previous debit card on my file from 2018. I had never activated or requested that card but it prevented me from actually receiving a 2020 debit card. The ReliaCardS won’t expire for like 3 years from their issue date so you get one until you order another. If it’s missing or errored get a new one. Hold times are long, the wait music will cut out sporadically but stay on the phone line. Talking to a customer service rep is the only way to resolve most of the issues with ReliaCard. It’s a very frustrating process but stick with it until your issue is confirmed as resolved. They’ll express mail a new ReliaCard for a 15 dollar charge that’ll be deducted from your debit card funds. Keep calling because it can take multiple attempts to get through and confirm a resolution. I would call back if your hold time exceeds 4 hours. I’ve gotten through in 30mins by calling back every few hours. They aren’t going to change the way they do business unfortunately customers have to be extra persistent. The phone call should only take a Minute when you finally get through. They do eventually answer the call and fix the problem. Just stay professional and calm. Emails and messages no response from my experience. Best of luck
james on May 16, 2020:
May God Destroy this company. I have seriously broken my tv that's how much stress I got from being on hold for 4:45 minutes. this is a terrible company and the state is even more stupid for providing service that is ruining people's mental health. I don't need unemployment anymore it's better to sell drugs than want this money which could make me lose my mind
DNJ on May 13, 2020:
THE WORST EVER HOLDING ON OVER FIVE HOURS 6 STRAIGHT DAYS.......THIS IS TERRIBLE. WE NEED TO EXPOSE THESE PEOPLE. I GOT A PAYMENT 2 WEEKS AGO AND IT STILL HAS NOT BEEN DEPOSITED TO MY ACCOUNT. I CALLED BBB TODAY AND MADE A FORMAL COMPLAINT. I URGE EVERYONE HAVING THESE TYPE SERVICE PROBLEM TO FILE COMPLAINTS AGAINST THIS COMPANY. THEY ARE DEALING WITH PEOPLE MONEY....... RELIA CARD IS A VERY UN RESPONSIBLE COMPANY...IF U ARE EXPERIENCING THESE PROBLEMS FILE COMPLAINTS AND EXPOSE THEIR TERRIBLE SERVICE
Laurie Allen on May 12, 2020:
i ended up getting help from child support division lady. I have waited on hold for over 30 hours (no shit). The worker sent them an email and 5 days later i got card in mail. Phone lines are a joke
Chad on May 12, 2020:
What a fucking joke UNrelia card is!!! Geeze! On hold for over 4 hours today at 3 different times. I have a lot of $$$ on these stupid ass cards, and don't even have one of them in my possession! How is that possible???? Was transferred to "someone higher up" well, was on hold for well over an hour. called back, on hold for well over an hour, well, called back late, on hold for an hour and a half. Is this company going to give me interest or what I would normally make an hour??!!! WTF?! And the sad thing is that Im very educated with over 14 years of college! Can anyone help me with this??! Geeze! Thanks, Chad
Brenda on May 08, 2020:
I have been calling sense April 14,2020 to get my debit card that was sent to a old address that I use to live at 5 yrs. ago why?. My new address was given but I still do not have my card Why? can someone tell we what can I do to get in touch with this bank?
Carla on April 25, 2020:
2 weeks and hours of being let on hold. I desperately need to feed a new card but they won’t answer their flipping Phone!!!!
WeAllWeGot Everything LLC on April 23, 2020:
They are not answering their customer service telephone number. US Bank Reliacard is not answering their phones and are holding thousands of peoples unemployment money. In a global pandemic!!!! Disgusting!!!!!! Everyone tell somebody and expose the company!!!!
Clint Riaer on April 22, 2020:
Ive called the number for 2 weeks and been on hold for 4 hours plus a d they will not answer. Can anyone help me. I lost my card a d cant access my account online. Help
Mitzi Fuller on April 14, 2020:
How can I get the routing number for my reliacard? It says to call the number on the back of the card but its always a busy signal when I call.
Cherie Adams on September 03, 2019:
I sent myself a check through Reliacard Bill Pay. The check was never sent and now I have to wait 30 days to get my money back. My car payment has bounced and now I have to cover those fees plus come up with an additional $535 to cover my car note. I recently lost my job and don't have that kind of money. These people could care less regarding their incompetence!
M on May 30, 2018:
I ordered a replacement card express cost $16.00. They be 5 days later. Wasn't I waited all day to not miss the U.p.S. driver. Called at the reliacard for a tracking number waited half an hour on the phone to talk to a human. He said he doesn't know which service it went out on. Couldn't give me a tracking number. So I'm waiting a half a day not able to leave to go to the store so I don't miss the express delivery driver.
There unlawfully stealing from us!!! on November 11, 2017:
I don't have access to my money! And I verified with them before I left home 1200 miles ago. I'm here and they're now being liers. The manager said I have no choice but to keep this account open or ill never have access to my money. It was is a settlement from work and now I don't have a job due to an injury and I have no money after numerous failed surgerys and 4 yrs later... I'm sueing them if it's the last thing ill ever do. I won't ever give up. I'll take it to the highest court. I know my wright's as a US citizen..
sheila on September 19, 2017:
can i put money on my reliacard
Jrry on January 18, 2017:
Don't try to use this card at actual restaurants it will be declined. Happened twice now on my business trip out of state. Luckily my work buddy had cash and I could goto the bank. Ridiculous... Works at fast food should work at restaurants.....humiliating!!
Tabitha on January 02, 2017:
what does it mean when my account says the status of my payment is Temporary Number but where my payment comes from shows that it was placed on the 29th but its the 2nd and i still havent gotten it yet my payments always place on a friday and now nothing for almost 5days .. HELP please i need my rent money and i cant find out whats going on
Leonine1 on December 08, 2016:
Reliacard is a scam being run by U.S.Bank. They hold on to our money longer than any other direct deposits. So when the State posts the money to our account, US Bank holds it for at least an extra day before making those funds available to us. For one person or one account, that isn't much money. But with the hundreds of thousands of accounts from the various states, that adds up to alot of money. And when they hold $74 of our money when we get gas and an extra 20-30% for gratuity at restaurants - they profit from that as well. It's a racket. They are profiting big time from us. They are greedy, immoral and fraudulent. I hate banks. They are all liars and thieves.
Christina on October 29, 2016:
Keeping your information updated seems easy enough, but I've been jumping through hoops trying to do this for weeks now and all I've managed to to is get my original card deactivated. I've been charged $15 for a new card, with my old name on it again, and when I asked them to cancel that because they still had my name wrong- they cannot re activate my other card.
They want me to go somewhere and fax my social security card and ID to them now, after sending me to change my information with the state twice and then telling me that they didn't get it. Pretty scary to think about sending my social security number to a bank that can't even figure it out. Meanwhile they keep referring to me as Miss (old name) when they know I'm frustrated because, almost three years later, I can't seem to get my name changed with them.
Jessica lyman on May 03, 2016:
can I still withdrawal my money off my card if it just expired April 2016?
Janet rodriguez on October 26, 2015:
Can i use my reliacard in mexico?
jcm_blabs (author) from My Bunker in the Midwest on July 12, 2015:
Have you tried their website? Otherwise, try calling them at 866-276-5114. Best wishes.
Priscilla Wakefie on July 12, 2015:
How do I go about getting my routing and account numbers for my Prepaid Us Bank Reliacard? I receive child support from the state of Michigan.
Ken Kline from USA on March 23, 2013:
I never knew all of this. Fascinating information. Any thoughts on the American Express Prepaid?
stephanie mcsparen on March 13, 2013:
i misplaced my new reliacard but need the money out of it now i still have my expired card what can i do?
monicamelendez from Salt Lake City on July 17, 2012:
It's definitely a good idea to prepay for gas. I find it strange that they haven't figured out a way to fix this issue. It happens with quite a few cards - especially secured cards.
Brenda on June 15, 2012:
My daughter has a mandatory college orientation tomorrow morning and our flight to Phoenix was overbooked so we decided we'd fly to Alburquerque N.M. rent a car and drive to get her to ASU by 7:00am in the morning. We get to car rental place have everything set to go. I hand the lady my U.S. Bank reliacard and it comes up declined. I call only to find out the State of IA has a block on the merchant & all car rental retailers. They won't take cash and now my poor daughter will miss her mandatory freshman orientation. Why block any retailers? The State of IA doesn't think a parent could need to provide transportation to their kids?
Rachael on May 19, 2012:
Does anyone know if you can link this card to Paypal?
It's a Visa debit with a routing number, but what about the account number? Is this just the 16 digit card number? I can't see that being right.. When I called 866-276-5114 (customer service/back of card) the lady had no clue what it could be (half the time I had no clue what she was even saying) and told me to call US Bank and the same thing happened. I can't access any online banking other than going to www.reliacard.com (put in my username, password, etc) which gives us certain information such as Ballance, Transactions, Bill Pay options, and whatever - but it does not give me (or I can't find) the information to use "manually" (that might not be the right word I'm looking for). Basically, all I want to know is what my damned account number is so I can link my Debit card to Paypal.
Anyone who can shed some light?......
* She said I could get my account information over brunch! Haha :) It took a few times until I realized she was telling me to go to a local "branch"
How do I get my money back after I discovered an unauthorized transaction or money missing from my bank account?
Report your lost or stolen card or PIN within two business days of when you discover it is missing so you limit your losses to $50 or less, no matter how much is charged to your card.
If someone steals the security code or PIN to your debit card or bank account, you should follow the same steps as you would if someone stole your card
You should notify your bank or credit union within two business days of discovering the loss or theft of your security code or PIN. Never write your PIN on your debit card or keep it written down in your wallet, in case your card or wallet is lost or stolen. Although the protections for unauthorized transactions still apply, you will still have to go through the process of recovering your funds.
If you didn’t lose your card or PIN
If an unauthorized transaction appears on your statement, but you did not lose your card, security code, or PIN or had any of them stolen, you should still notify your bank or credit union right away. At the latest, you must notify your bank within 60 days after your bank or credit union sends your statement showing the unauthorized transaction. If you wait longer, you could have to pay the full amount of any transactions that occurred after the 60-day period and before you notify your bank. In order to hold you responsible for those transactions, your bank would have to show that if you notified them before the end of the 60-day period, the transactions would not have occurred.
In extenuating circumstances, like lengthy travel or hospitalization that keeps you from notifying the bank within the time allowed, the notification periods above must be extended.
What does the bank have to do once I report it? Can I get my money back?
Once you notify your bank or credit union, it generally has ten business days to investigate the issue (20 business days if the account has been open less than 30 days). The bank or credit union must correct an error within one business day after determining that an error has occurred. Your bank or credit union then has three business days to report its findings to you.
If the bank or credit union can’t complete its investigation within ten (or 20) business days as applicable, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of $50, while it continues to investigate.
In certain circumstances, however, it does not have to issue a temporary credit. For example, the bank or credit union may require you to provide written confirmation of the error if you initially provided the information by telephone. If you are asked to follow up in writing and you do not do so within ten business days, the bank or credit union is not required to temporarily credit your account during the course of its investigation.
The bank or credit union must then resolve the issue in 45 days, unless the disputed transactions were conducted in a foreign country, were conducted within 30 days of account opening, or were debit card point-of-sale purchases. In those cases, you may have to wait as long as 90 days for the issue to be fully resolved.
If the bank or credit union determines that the transactions were in fact authorized, it must provide you with written notice before taking the money that was credited to you during the investigation out of your account.
Reliacard dispute transaction
Some of my peers have already given birth to children, played weddings, and its not that there was no sex for me, I didnt even kiss properly. How are you doing on. Your personal. Are you dating someone. - L.How to win a Chargeback Dispute
To see your face, but I want to see your naked body, especially from behind. Do not understand. - I was able to write, and after turning off the computer, went to bed.
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This is partly why I decided to try myself as an author. Is it appropriate for me to write here in the "almost" autobiography format, in the first person. I don't know, but I want to see what happens.