Date Received: 2024-03-09
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: My Elan Financial Account has been paid in full as of XX/XX/year> and has been updated correctly on my XXXX credit file. XXXX and XXXX are still showing a high balance of over {$10000.00} even though my account has a zero balance. After speaking with XXXX at Elan Financial today ( confirmation # XXXX ), I've been informed that Elan Financial has already updated the information to the bureaus, and it's correct, and they have no control over what XXXX and XXXX are showing on my report. She was also unwilling to transfer me to Elan 's credit dispute division and stated they do not speak to customers.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92127
Submitted Via: Web
Date Sent: 2024-03-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: There was an issue with my payment account so the payment was returned. I have corrected it but the credit card company still charged a returned payment fee. The fee was charged multiple times and increased with each attempt it tried to withdraw money from my account e.g. {$25.00}, {$30.00}. I contacted them but they only removed the {$25.00} fee. The credit card is provided by Elan Financial Service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94114
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: On XX/XX/XXXX I called to dispute 2 unknown transactions. US Bank then told me that they are locking the account due to fraudulent activity and opening a new checking account for me to use the current funds left in the account and to refund the funds that were taken. They also told me that they would move the funds left in the account and connect my debit card to the new account in order for me to use the funds. Instead, the next day someone reached out to me via phone call and left a message letting me know that I would have to call a number to verify some information in order for then to open a new account. I called the number and they told me that they had nothing to do with opening my new account and to talk to the fraud department. Then they proceeded to switch me back and forth between departments because no one knew what was going on or who to talk to. Then after being switched around XXXX times they told me that US Bank made the decision to end the relationship and I couldn't have a new account opened. They locked my debit card as well so I have been unable to use my funds. They refunded my account from the fraudulent activity and the money is just sitting in the locked account for no reason. I have rent due and other bills to pay that have been delayed and late fees added due to no one at US Bank being able to tell me when my account will be closed and they send me my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27127
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: US BANK looked into XXXX XXXX XXXX taking money from our business account credit card- provided a provisional credit and then closed the investigation over me not contacting them fast enough. I appealed and spoke to 'higher ups ' and they still denied to help with the fraud stating it was XXXX who puts the time frame. I had to confirm services were not being rendered. I had to confirm the last date services were rendered to determine when charges should have stopped then reach out to XXXX XXXX XXXX. I needed time to finally get in touch over the phone and then email communications with XXXX XXXX XXXX XXXX and wait for him to not send a refund. XXXX said on XXXX separate dates he put a refund check in the mail. Coming from XXXX XXXX XXXX After the second time- I knew I needed to contact my bank over it being a legit fraud case. It is around {$30000.00}. They did the provisional credit- then reversed it when they said they were closing the investigation and on the same letter US Bank then threatens that if we do not make the payments due on our account they will report us to XXXX reporting agencies. If there is a time limit they knew from the beginning of me reporting this case and they should have never issued the credits as all that did was put the company in a bind and have our XXXX asking a lot of questions. XXXX XXXX XXXX XXXXas blocked us from communication and social media but is still active. I also now know it's XXXX and his Mom and the XXXX would not respond to any correspondence. Now XXXX has changed his company to his name and uses a XXXX XXXX as his picture and not the cartoon picture of him that he used with XXXX XXXX XXXX but XXXX XXXX XXXX is linked to it. It also no longer says XXXX but now XXXX, XXXX XXXX employees. He is getting away with scamming.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63304
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Subject : Request for getting a Bonus Offer on Checking Account I am writing to address an issue regarding the bonus offer associated with my application for a checking account at U.S. Bank. On XX/XX/2023, I successfully had an application approved for a new U.S. Bank Smartly Checking account. However, due to unforeseen circumstances, I was unable to promptly deposit the required opening fund of {$25.00} to activate the account, resulting in its cancellation. Subsequently, recognizing the necessity of a checking account to receive my monthly salary from my employer in XX/XX/2023, I re-applied for a checking account with U.S. Bank, which was approved on XX/XX/2023. At the time of this application, I became aware of a bonus offer of {$400.00} for opening a checking account with U.S. Bank. To ensure my eligibility for this bonus offer, I visited the U.S. Bank branch located on XXXX XXXX XXXX XXXX Illinois, where I sought clarification from a bank teller. The teller assured me that the previous approval and subsequent cancellation of my initial checking account would not hinder my eligibility for the bonus offer. In fact, he provided me with his business card and offered assistance should I require further clarification or support. I have kept his business card until now as a proof. Adhering meticulously to the bonus offer requirements outlined by U.S. Bank, including enrollment in the U.S. Bank Mobile App or online banking, as well as fulfilling the condition of XXXX or more direct deposits totaling {$6000.00} or more, I eagerly anticipated the promised bonus offer of {$400.00}. However, despite my adherence to these stipulations, the bonus offer was not disbursed to me by XX/XX/2023. In an attempt to resolve this matter, I revisited the aforementioned U.S. Bank branch in XXXX and XXXX, armed with the business card provided by the teller. I was informed that the banker who had assured me of my eligibility for the bonus offer had since left the position, and I was deemed ineligible due to the circumstances surrounding my initial checking account. Despite my earnest efforts, subsequent visits to the branch yielded no resolution, as I was unable to meet with a higher representative or XXXX who could address my concerns. In light of the aforementioned circumstances, I kindly request a thorough review of my eligibility for the bonus offer associated with my checking account. Attached for your reference are the bonus offer requirements as outlined on the U.S. Bank website. I trust that this matter will be addressed promptly and with due consideration. Your understanding and assistance in resolving this issue would be greatly appreciated. Thank you for your attention to this matter. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX us bank bonus offer : $ XXXX {$6000.00} direct deposit Start date : XX/XX/ U.S. Bank SmartlyChecking To earn up to {$400.00}, open XXXX U.S. Bank Smartly Checking account online, in a branch or over the phone with an opening deposit of {$25.00}. Then complete the following activities within 90 days:1 Enroll in the U.S. Bank Mobile App or online banking. Complete two or more direct deposits. Your bonus is determined by the total amount of your direct deposits : Earn {$200.00} when your direct deposits total {$3000.00} to {$5900.00}. Earn {$400.00} when your direct deposits total {$6000.00} or more. A minimum deposit of {$25.00} is required to open a U.S. Bank consumer checking account. Earn a {$200.00} or {$400.00} bonus by opening a new U.S. Bank Smartly Checking account ( excluding Safe Debit Account ) from XX/XX/2023, through and including XX/XX/2023. The checking account must be opened in a branch, online or over the phone. Additionally, you must enroll in online banking or the U.S. Bank Mobile App within 90 days of opening your account. You must also complete XXXX or more direct deposits within 90 days of opening your account that total : {$3000.00} to {$5900.00} to earn the {$200.00} bonus, or {$6000.00} or more to earn the {$400.00} bonus. A direct deposit is an electronic deposit of your paycheck or government benefits, such as Social Security, from your employer or the government. Other electronic deposits or person-to-person payments are not considered a direct deposit. The checking bonus will be deposited into your new checking account within 60 days of direct deposit verification and verification of enrollment in online banking or the U.S. Bank Mobile App as long as your account is open and has a positive balance. Bonus will be reported as interest earned on IRS form XXXX and recipient is responsible for any applicable taxes. Offer may not be combined with any other checking account bonus offers. Offer is not valid if you or any signer on the account has an existing U.S. Bank consumer checking account, had a U.S. Bank consumer checking account in the last XXXX years, or received other U.S. Bank bonus offers within the past XXXX years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60202
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Dear Sir or Madam : I, XXXX XXXX XXXX, a federally protected consumer, wrote this complaint regarding the enclosed referenced ELAN FINANCIAL SERVICES account that XXXX, XXXX and XXXX have misconstrued and misreported, and which are causing damage to my credit rating. ( Enclosure ) Its inclusion is absolutely incorrect, and is an absolute violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681-1681x ). I have put XXXX XXXX and XXXX on notice that failure to clear this inaccurate information from my reports will result in legal action and complaint to the Consumer Financial Protection Bureau under 15 U.S.C. 1681n. Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by me the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; or ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by me the consumer as a result of the failure, or {$1000.00}, whichever is greater ; ( 2 ) such amount of punitive damages as the court may allow ; and ( 3 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorney 's fees as determined by the court. ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to me the consumer, the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater. ( c ) Attorney 's fees Upon a finding by the court that an unsuccessful pleading, motion, or other paper filed in connection with an action under this section was filed in bad faith or for purposes of harassment, the court shall award to the prevailing party attorney 's fees reasonable in relation to the work expended in responding to the pleading, motion, or other paper. ( Pub. L. 90321, title VI, 616, as added Pub. L. 91508, title VI, 601, Oct. 26, 1970, 84 Stat. 1134 ; amended Pub. L. 104208, div. A, title II, 2412 ( a ) ( c ), ( e ) ( 1 ), Sept. 30, 1996, 110 Stat. 3009446. ) Amendments 1996- Subsec. ( a ). Pub. L. 104208, 2412 ( a ), designated existing provisions as subsec. ( a ), inserted heading, and in introductory provisions substituted " Any person who '' for " Any consumer reporting agency or user of information which ''. Subsec. ( a ) ( 1 ). Pub. L. 104208, 2412 ( b ), amended par. ( 1 ) generally. Prior to amendment, par. ( 1 ) read as follows : " any actual damages sustained by XXXX XXXX, the consumer as a result of the failure ; ''. Subsec. ( b ). Pub. L. 104208, 2412 ( c ), added subsec. ( b ). Subsec. ( c ). Pub. L. 104208, 2412 ( e ) ( 1 ), added subsec. ( c ). ( Emphasis Added ) I, XXXX XXXX the Consumer have suffered damage to my credit that has led to very negative financial consequences as a direct consequence of this false information sharing. I am a farmer who has been forced, because of the bad acts of ELAN FINANCIAL SERVICES, XXXX, XXXX and XXXX, to take time away from his bread and butter to set them straight. Because of the false information reporting by ELAN FINANCIAL SERVICES, XXXX, XXXX and XXXX I have been restricted from securing financing for my farming business and for my personal needs. The bad deeds by ELAN FINANCIAL SERVICES, XXXX, XXXX and XXXX have caused him substantial financial and emotional harm. ELAN FINANCIAL SERVICES, XXXX, XXXX and XXXX have been placed on notice that I, XXXX XXXX the consumer, have initiated reports to the appropriate Federal oversight agencies regarding this matter. Moreover, the ELAN FINANCIAL SERVICES errant report also violates 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information. I have not given ELAN FINANCIAL SERVICES permission to disclose any nonpublic personal information. In addition, I believe that ELAN FINANCIAL SERVICES is committing fraud. The information on my XXXX, XXXX and XXXX consumer credit report shows a section labeled Payment history and clearly shows that nonpublic personal information has been disclosed to a nonaffiliated third party on a monthly basis starting from XX/XX/XXXX through XX/XX/XXXX which is at least 24 times total thus far. This is prima facie evidence of consumer rights violation and fraud under 15 U.S Code 1681 permissible purposes of consumer reports.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96701
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: They started charging a monthly service charge to my CHECKING account of {$6.00} per month, and not reversing it, on XX/XX/XXXX. I am supposed to have the monthly service charge waived, based on their policy/criteria. The criteria I qualify under is " having a US Bank credit card ''. I have a US Bank credit card, which they have confirmed numerous times, but they can't get this fraudulent charge off my account. I have called many, many, times and visited a branch once, but almost every month I have to call them again. This is outrageous and sometimes the customer service reps are rude and uninformed. Below is a list of how many times I have called to complain about this and attempt to have it " fixed ''. It appeared to be " fixed '' on XX/XX/XXXX, but started all over again in XX/XX/XXXX. Contacted customer service @ XXXX on the following dates : XX/XX/XXXX - no name ; refused to provide credit for {$6.00} service charges on : XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX ; XX/XX/XXXX XX/XX/XXXX- visited XXXX XXXX XXXX & spoke with XXXX ; she issued credit for {$6.00} x XXXX XX/XX/XXXX - XXXX - issued {$6.00} credit for XX/XX/XXXX fee & said she would research problem XX/XX/XXXX - XXXX ( supervisor ) - issued credit for XX/XX/XXXX fee & said " someone '' didn't do what they were supposed to, to fix it XX/XX/XXXX - XXXX XXXX reversed XX/XX/XXXX & XX/XX/XXXX fees of {$6.00} each On XX/XX/XXXX, the {$6.00} fee was charged and then apparently reversed automatically. On XX/XX/XXXX and XX/XX/XXXX, I was again charged the fee of {$6.00} each, which were reversed on XX/XX/XXXX, after I made another call. Then on XX/XX/XXXX, I was charged another {$6.00}. I just don't have the energy to call yet again and explain the entire thing AGAIN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92111
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/XXXX I was set up with an interview for work with XXXX XXXX XXXX. XXXX XXXX emailed me for interview and to take interview with XXXX XXXX on XXXX. After interview XX/XX/XXXX I was sent a job offer from them to work for XXXX XXXX XXXX. On XX/XX/XXXX the first day I was sent checks to deposit in my personal account. I didnt want to do it but because it was for the company I decided to deposit for equipment what was asked. XXXX sent me 2 {$1500.00} checks to deposit. I direct deposit into my US Bank account and they ok by putting {$220.00} available under my account while 2 checks are pending. I tell XXXX whats available and she tells me this vendors number and to send this XXXX as payment for equipment. She says to message him the {$220.00}. I thought its something Ive never done, again for the company I then set up XXXX XXXX XXXX {$220.00} then send it to vendor XXXX ( XXXX ) XXXX. XX/XX/XXXX The next day I get a hold on my US Bank account. They tell me because of checks. I send this info to XXXX and she tells me XXXX send a code to US Bank for approval. Following day I contact US Bank they say these checks are fraud and my account will be closed. I ask them I truly need account for unemployment and taxes refunds. The tell me to go into US Bank talk to Branch Manager and explain. I start talking to Branch XXXX XXXX XXXX XXXX about my situation he says XXXX email corporate about how my account needs to be activated cause Ive had my US Bank account for 15 years, never any negative situations occur. 3 days later I was told to pay {$220.00} in my account to get it to be activated again. I had XXXX $ in my account so I brought XXXX to activate account. XX/XX/XXXX My account becomes active and I order a new card so I can use my account like normal. The only thing I worry about now is my US Bank Mobile App is still on hold until they reset but because of fraud checks it put risks where online banking I have holds or thoughts of this situation. I was told to contact XXXX for return of {$220.00} to resolve this situation and get money I lost back. Ive emailed XXXX about this and they emailed back this is a scam that they dont do business here in the US . I sent them all info about this and asked for help. They havent replied back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80226
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-07
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On XX/XX/year> my account was credited with a {$390.00} payment reversal and a seperate {$39.00} payment reversal fee. I asked for information on the exact payment it pertained to, but they didn't know and said it was likely from a check. I didn't deposit any checks. I asked how I can get a copy of the check, and they said I'd have to get ahold of the branch. I asked what branch, and they didn't know.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98105
Submitted Via: Web
Date Sent: 2024-03-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-03-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I sent a request to research a transaction that occurred on XX/XX/2023, in the claim amount of {$460.00} on your card number ending in XXXX. It has come to my attention that USBank has failed to uphold its duty to safeguard my finances, allowing other institutions to levy unauthorized charges against my account. Despite my efforts to dispute these charges, USBank has neglected to conduct a thorough investigation to substantiate my claim. Furthermore, they have shown a lack of attentiveness to the details I have provided. USBank has also failed to provide clarity regarding the fees associated with the transaction in question. Consequently, I urge the Consumer Financial Protection Bureau to intervene in this matter, as USBank has not taken the necessary steps to address the discrepancies between the fees incurred, the cash dispensed, and the amount originally requested.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92154
Submitted Via: Web
Date Sent: 2024-03-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A