Date Received: 2023-10-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a XXXXXXXX XXXX XXXX and it does not work. I called in and they said they would " reset '' the card and that the card would work. I waited an hour as instructed and the cards did not work. I have tried the card a few times more and it does not work. I called in again and they told me I would have to fax information to the company to get a replacement card. I do not have access to a fax machine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-07
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I bought a XXXXXXXX XXXX XXXX and it has not worked at any of the stores I tried to use it at. I called the company and they said they would " reset '' the card and that that would fix it. I waited an hour as instructed and the card still does not work. I have called in again and they have not provided a process to fix or replace the cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80403
Submitted Via: Web
Date Sent: 2023-10-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-08
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: I received a letter in the mail from XXXX, XXXX calming that I owe a " Elan Financial '' {$1000.00} which seems to be for some sort of credit card. I looked at the account # on the letter which totals up/ looks like a credit card ( working in banking/finance I have experience with recognizing what these sorts of accounts look like ) First and foremost, the letter is addressed to simply " XXXX '' with my address, claiming they can offer me some sort of settlement offer if I oblige and pay them 50 % of alleged balance. I reached out to organization which more than likely purchased debt from " Elan Financial '' for proof that this debt belongs to me, with no response, so I am reaching out to the CFPB with the intent to have this completely removed/ taken care of, and prevent this from hitting the 3 major credit bureaus. Im not sure if XXXX has my social security #, but at this point, I do not want to take the chance and wait around to find out. Especially for an amount that large, considering they have my current mailing address. Kind regards,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2023-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: We are unhappy with the timely resolution of XXXX fraudulently altered checks against our checking account by XXXX XXXX. The first check for {$1400.00} was to the MN Department XXXX XXXX ( payee altered ) and the second check was originally for {$88.00} but the payee and dollar amount were altered to {$8800.00}. As a result, we, as an elderly couple are currently out over {$10000.00}. XXXX XXXX has all the facts and documentation but continues to drag their feet in paying us our money. Details surrounding each check and our interaction with XXXX XXXX ( XXXX XXXX XXXX ) and the XXXX XXXX Police Department are below. Highlights include : - We notified XXXX XXXX of each fraudulently altered check with no follow-up by the bank. No funds still have been received to date even though repeatedly the Bank has indicated we should be receiving the funds shortly. - XXXX XXXX has been aware of checks deposited within the XXXX XXXX XXXX XXXX being altered since XXXX of 2023. - The XXXX XXXX Police Department has a full-time detective researching these claims so it is obvious all key parties are aware of the fraud being perpetrated against our community. - XXXX Bank was the XXXX XXXX XXXX XXXX of these checks so we are not clear on what is left to research in order to return our funds especially considered all other facts and their admission to us that it is clear these checks have been altered. Fines and penalties are mounting from the MN Department XXXX XXXX and the loss of {$10000.00} is putting a strain on our financial situation as we are on a fixed budget. We understand a provisional credit is not required by the regulations, but how can XXXX XXXX deny our request as an elderly couple for temporary credit of funds based on all the facts of this fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55124
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I called several Different times on XX/XX/23 - XX/XX/23 about my new checking account with US Bank being frozen. I opened this account because I have an account with XXXX and they do not use XXXX. I had a pay card with US Bank so decided to open a checking with them. I have no branches near me as I live in XXXX XXXX. The closest branch is over XXXX miles away in XXXX XXXX XXXX, XXXX. They said I had to go in person to a branch with my lD no exceptions. This is unacceptable. There must be another way to prove my identity. I have not received my bank card as of yet, but hoping that will arrive soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70115
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I noticed on XX/XX/2022 that bank account looked low. I called customer service told them that my bank account didn't look right so I asked him to go to my transaction starting from the beginning of XXXX to the end of XXXX and of course there was online transactions that was not me it was cell phone payment to XXXX XXXX and all the Visa transfer debit card for {$100.00} it was probably a total of seven of them and some hotels that were credited in my account twice at the end of XX/XX/XXXX is when I noticed my account was low there was a XXXX dollar withdrawal which was not me. I was so confused with that because I had my debit card with me so someone would have had to have access to my bank card I canceled it right away made that dispute on all those and I only received the hotel transactions all the debit card transfers and the cell phone transaction. I did not receive the withdrawal and I never understood why maybe because since I had debit card how would someone have access to my account I had a few people living with me at the time I've talked to them all I have no proof who done it but still I was the victim of that. My new debit card coming in the mail and was going to be there on XXXX the XXXX it was not in my mailbox. I called the bank immediately and they said it had already been activated and two {$500.00} atm withdrawal and a Debit bank transfer of {$50.00} my card was stolen from my mailbox. I told them it wasn't me disputed that and I was denied. I've wrote them letters a few times. I have plenty of documentation which I will send as soon as I hear back from you guys.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44312
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Struggling to pay mortgage
Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li
Consumer Complaint: In accordance with the fair federal accordance act this creditor has violated my rights, under 15FSC 1681, section 602 states I have the right to privacy. 15FSC 1681 section 604A section 2, it also states that a consumer reporting agency can NOT furnish an account without my written authorization. Under 15 FSC, 1666B, a creditor may NOT treat a payment on a Mortgage account under an open a consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60617
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: I received a mail from CFPB that Elan Financial Services replied to state that my previous complaint ( complaint ID XXXX - XXXX ) lists someone the company does not recognize as their customer and they need to contact me first to release some information. Unfortunately, I have not received any phone calls from Elan Financial Services yet and when I tried to call, they never take my calls anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 74133
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023 I received a phone call on my personal cell phone that I recognized as the U.S Bank Customer Service phone number, as it is printed at the bottom of all of my credit and debit cards. I answered the phone due to recognizing the phone number and the male identified himself as a member of the U.S Bank Fraud Team. I believed him due to recognizing the phone number. He stated that U.S Bank has recognized some transaction on my account that they feel could be fraudulent. They read off some of my recent transactions. Some were not transactions of mine or my spouse, but some of them were. Because he has actual info from my account, I believed him to be a legitimate U.S Bank representative. The caller stated that if I wanted to provide some information, they would work to have the fraudulent charges reversed from my account. He asked me to provide some information that I normally would not provide, such as online username and security question response. He then said that he would send me texts to verify it was me and to read back the number on the text. The texts had actual U.S Bank type logo on the texts so I considered them to be legitimate and I read back the confirmation number. The caller ended by providing me what he said was a U.S Bank Fraud Dept Claim # and Case Number. When I got home from work, I decided to contact U.S Bank Fraud Dept to verify if the Case Number they had given me was legitimate and I was told that it wasn't and that someone has already committed a fraudulent {$9900.00} wire transfer from my Savings Account to a bank in another state. I stayed on the phone line and made a legitimate fraud claim with U.S Bank Fraud Dept and U.S Bank Wire Fraud Dept. I was told that a form was going to be mailed to me and that I would need to fill it out and send it back to them to begin the investigation. Even before ending the call, and prior to even receiving the form, the female from the U.S Bank Fraud Dept was already telling me that my claim is likely to be denied because when I responded to the phone call and provided answers that I believed I was giving to U.S Bank, that I gave my permission for the money transfer. I argued that I did not authorize any transfer of funds and that I am the victim of fraud by a suspect/s who purported to be members of U.S Bank Fraud Dept . The member of U.S Bank Fraud Dept that I spoke to refused to answer my questions and instead continued to scold me for being the victim of the fraud, which only made me feel victimized yet again. After completing the call with U.S Bank Fraud Dept, I contacted my local police and made a report with them. The police investigator stated that she would attempt to file search warrants to recover the funds from whatever bank the fraudulent wire transfer funds were sent to and would provide any updates. After approximately 7 days and not receiving this form that I was told was being mailed to me, I contacted U.S Bank Fraud Dept again and they admitted that they forgot to send out the form and would again mail it out to me. Approximately XXXX days later, I received word from my personal banker at U.S Bank that my case claim had been deemed closed because no funds could be recovered from the fraudulent wire transfer. Upon learning this, I contacted the U.S Bank Wire Fraud Unit and spoke to the investigator assigned to my case who told me that her part of the investigation was only to attempt to recover the funds that were fraudulently sent to this bank in another state, and because she could not recover any funds, she has closed the wire fraud portion of my case but that I could still potentially recover the {$10000.00} fraudulently taken from my Savings Account if I complete the form mailed to me and send it back out. I told her that it has been XXXX phone calls and almost XXXX weeks and I have yet to receive this form. She transferred me back to the main U.S Bank Fraud Department who stated that they did not understand why I had not received the form, but they confirmed that they had closed the investigation. How can U.S Bank close an investigation that they themselves admit begins when I receive and send back to them the form to begin the investigation? To date, I have yet to receive this form and I have confirmed my mailing address with them repeatedly. This is nothing more than a complete scam by U.S Bank to avoid having to reimburse me for a scam that they know they are partially culpable for since this scammer was able to spoof their phone number and logo. U.S Bank has a part to play in this fraud and I would like to be reimbursed for the {$10000.00} that was fraudulently removed from my account. I have been a loyal U.S Bank customer for over 40 years. I have used their services for bank accounts, car loans, home loans etc but I am ready to pull my money from U.S Bank and file complaints with every agency that I can find to make others aware of their bogus and unethical practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55129
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I had identified theft problems since last year XX/XX/XXXX US BANK has been working with my accounts for over 6 months I didnt here from us bank unless I called to follow up, then XX/XX/XXXX I found out my accounts were closed except my credit card which they kept my {$2000.00} savings account money?? Now that credit card has {$750.00} in fees & returned items fees?? Unwarranted charges & fees for fraudulent transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A