Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #18085605
Complaint Overview
Complaint ID: 18085605
Company: Relay Financial (US), CORP.
Product: Checking or savings account
Sub-Product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Florida
ZIP Code: 33617
Date Received: 2025-12-02T12:00:00-05:00
Date Sent to Company: 2025-12-02T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am filing this second CFPB complaint because Relay Financial and their partner bank have failed to follow required Regulation E timelines and have not provided any clear updates regarding my unauthorized transaction dispute. My dispute involves multiple duplicate unauthorized charges from XXXX XXXX XXXX XXXX totaling {$1400.00}. I originally raised this dispute in mid-summer ( between XXXX ). Despite providing all requested documentation, including fax confirmations showing successful delivery, Relay continues to delay the investigation. Relay has repeatedly told me the dispute was escalated to the banking partner and XXXX, but I have received no timeline, no decision, and no confirmation from XXXX. Under Regulation E and XXXX Operating Rules, a provisional credit eligibility review must occur within XXXX business days, but it has now been several months. I also notified Relay that I am experiencing financial hardship, meaning this should be handled with priority. Despite this, Relay has not communicated any concrete status, and support agents repeatedly tell me they can not access the dispute system. I have asked for escalation to compliance multiple times with no clear response. The lack of updates, the prolonged delay, and the failure to follow Regulation E timelines have caused significant financial harm. I am requesting CFPB assistance to compel Relay and their partner bank to : XXXX. Provide the exact date the dispute was submitted to XXXX XXXX. Provide the current status of the XXXX investigation XXXX. Explain why the XXXX provisional credit requirement was not followed XXXX. Acknowledge my financial hardship status XXXX. Provide a timeline for resolution XXXX. Ensure compliance oversight moving forward I am requesting immediate CFPB intervention.
Frequently Asked Questions
What is Complaint #18085605 about?
Complaint #18085605 was filed against Relay Financial (US), CORP. regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2025-12-02T12:00:00-05:00.
How did Relay Financial (US), CORP. respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Relay Financial (US), CORP.?
Yes, visit the Relay Financial (US), CORP. company profile at readthecomplaint.com/company/relay-financial-us-corp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.