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: My credit card was lost, I noticed some unauthorized charges appeared on my statement. I notified the credit company regarding the unauthorized charges but they denied the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94544
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 purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: My Elan Financial Fidelity card has several transactions with issues, but Elan Financial transaction dispute function seems to be dysfunctional and I can not get them to dispute the transactions. First, there are two transactions from XXXX XXXX XXXX that I have returned the merchandise to XXXX XXXX XXXX and received a return confirmation, but have been unable to get them to issue a refund. For this reason, I would like Elan Financial 's help and dispute these two transactions : {$240.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX and {$630.00} on XX/XX/2023 by XXXX XXXX XXXXXXXX XXXX Then there is a transaction from XXXX XXXX XXXX XXXX XXXXXXXX XXXX on XX/XX/2023 for {$550.00} that I do not recognize and have not authorized. I have never purchased or received anything from XXXX XXXX XXXX and would like Elan Financial to take care of this unauthorized transaction.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 606XX
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: Opening an account
Subissue: Confusing or missing disclosures
Consumer Complaint: Subject : Complaint Regarding Failure to Receive Promotional Bonus Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their failure to provide me with the promotional bonus promised in their email campaign. Despite meeting all the requirements specified in the promotional email, I have not received the {$400.00} as offered by U.S. Bank. To provide a comprehensive overview of the situation, I have attached the relevant documents for your reference. Attachment 1 outlines the terms and conditions of the promotion ( the U.S. Bank official promotion link https : XXXX was expired ). According to the disclosures of the promotion, I deposited an initial amount of {$25.00} to open and activate my account online on XX/XX/2023 ( see attachment 2 ) and I also enrolled in the U.S. Bank Mobile App within 90 days of opening my account. Moreover, Attachment 3 displays my U.S. Bank transactions, demonstrating that I completed two direct deposits within 90 days of opening my account with a total of {$6000.00} : {$3000.00} on XX/XX/2023 and {$3000.00} on XX/XX/2023, thereby satisfying all the eligibility criteria stated in the promotional offer. Despite my repeated attempts to contact U.S. Bank, I have not received any satisfactory resolution to this issue. I have reached out to their customer service representatives multiple times, providing them with all the necessary documentation and explaining the situation, but to no avail. It has been almost XXXX months since I fulfilled all the requirements, and the bonus has still not been credited to my account. I believe this failure to fulfill their promotional commitment is a violation of their terms and a breach of the agreement made between U.S. Bank and its customers. Such practices erode consumer trust and undermine the credibility of financial institutions. Therefore, I kindly request your intervention in resolving this matter and ensuring that U.S. Bank honors their promotional offer by promptly providing me with the promised {$400.00}. I trust that the CFPB, as the governing body overseeing fair and responsible banking practices, will thoroughly investigate this complaint and take appropriate action against U.S. Bank if necessary. I would greatly appreciate your assistance in resolving this matter and ensuring that my rights as a consumer are protected. Thank you for your attention to this matter. I look forward to a prompt resolution and a favorable outcome. Please do not hesitate to contact me if you require any additional information or documentation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02140
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I was going through financial hardship bc of a job loss and family death early this year. In XX/XX/2023, I contacted my Mortgage company, Union Bank, who holds my mortgage or my primary residence, and told them my situation, they offered me a Forbearance for 6 months with an option to extend another 3 months if needed. The loan was later sold to US Bank who promised to uphold the same terms. In XX/XX/2023, 2 months before the forbearance was to end, I contacted US Bank who was now the new servicing company, to ask for an extension, they said I would have to wait until the end of XXXX when the forbearance was scheduled to end to apply for either an extension or a payment reduction or a deferment. The process would take about 30 days and then I could be informed of my options. After applying on-line, I called the US Bank in XXXX and spoke with several representative including Relationship Manager, XXXX ( last names are not given ) ID XXXX XXXXXXXX - Credit Manager, XXXX XXXX XXXXXXXX, to make sure I was taking all the correct steps in applying under the right format, making sure my account was not being hurt. At all times during my 10 -15 calls ( all calls are recorded and can be retrieved ) to the bank speaking to different representatives and getting guidance on what to do next, I was re-assured that while my account was under review for an extension or other options by the US Bank underwriters which took over 45 days not 30, my Credit Report was protected by the California Forbearance clause. But it was NOT - they bank MIS-REPORTED my account late 120-159 days late. They not only mis-represented the facts, MIS-INFORMED - MIS-LEAD - MIS-GUIDED me, they poor consumer going through hardship, during the entire process telling me I had no option but to wait for the UW team to come back with a decision . Based on California Forbearance Protectiosn Laws, this is a grave MIS-REPORTING of facts, I was NOT 160 days late. I was in Forbearance. On XX/XX/2023 when I again called US Bank, the XXXX XXXX XXXX, specifically re-assured that I was right and they would make a request to remove the late reporting on my credit while awaiting the decision by US bank underwriters. On XX/XX/2023, US Bank UW team made a decision but I was not informed until XX/XX/203 via mail. They only offered to put my primary home up for a short-sale. There was nothing e.mailed or sent via the mortgage portal. - there is still nothing on the portal or any inbox mail or updates. So in reality, up until XX/XX/2023, when US Bank finally made a decision, I was left in a limbo with no clear guidance on how to proceed forward. And according to the US Bank Managerial team, my account should have been on hold and protected by the Forbearance clause and NOT reported late. My credit score has dropped from XXXX to XXXX. I was going to apply for a personal loan to bring my account forward and save my home but now they have damaged me in such a grave manner that I feel completely helpless- I desperately need your agency to help protect me and other against this type of tyrannical misuse of power towards normal citizens who are going through hardship and are doing everything to get back on their feel - and correct this mistake on my credit reporting. This MIS-REPORTING to credit bureaus and Mis-leading by leading Banking Institution of pertinent information to consumers is wrong and should not be tolerated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 940XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-05
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Earlier in XXXX I called the number on the back of my credit card to close my account ( that had been inactive for XXXX months ). Earlier this week I received a new credit card from US Bank that I did not request, which I assume is fraudulent activity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 672XX
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Improper use of my report Date of Incident : XX/XX/2019 Amount : {$79.00} U.S. Bank, N.A. At the following address : U.S. Bank, N.A. XXXX XXXX XXXX XXXX, MN XXXX Under 15 U.S.C. 1681 section 602 states, I have the right to privacy. Under 15 U.S.C. 1681, section 604 A section 2, A consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B, A creditor may not treat a payment on a credit card account under an open-end consumer credit card 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: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: U S Bank has now closed tree checking accounts of mine two personal accounts and one non- profit account endind in XXXX, XXXX and a federal 501 ( c ) ( 3 ) ending XXXX. U S Bank is engaged in forcing the accounts closed by placing the in default then not allowing the accounts transferred to go positive. On XX/XX/23 Us Bank send messages to XXXXXXXX XXXX there was problems with my accounts so any money transfered to XXXX XXXX must be place on hold. XXXX XXXX then locked my account for the hold for one week.. US Bank paid an ACH of {$1400.00} then paid too the Cash reserve XXXX U S Dollars then closed it did the same to all the accounts mentioned in this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: After receiving the car title, US Bank sent a letter saying a sales tax check in the amount of {$2700.00} from the lease was sent to Indiana Unclaimed Property in XX/XX/XXXX with a phone number to call. Indiana Unclaimed has no record of the transaction and suggested I contact US Bank to see about the check. This was in XX/XX/XXXX. I called US Bank. Multiple different customer service reps said they " elevated '' the matter to upper management and I would receive a call back. Those call backs have not happened and I have continued to follow up with them. On XX/XX/XXXX, I requested a case to be opened by US Bank to send me a copy of the cashed check or electronic transaction to Indiana Unclaimed Property since US Bank has continued to say Indiana Unclaimed has my money. It is case number XXXX. I have received no response concerning this case number. I spoke to another customer service representative on XX/XX/XXXX. She said the case was rejected because it was sent to the wrong department within US Bank. No one created another case to send it to the correct department. She said she spoke to upper management and I would receive a phone call by end of business XX/XX/XXXX. As usual, I have not received a phone call from anyone. I feel like I've exhausted all of my options with US Bank. I do not have the time or energy to call them every couple days, re-explain the problem, sit on the phone for 45 minutes, and have nothing accomplished. This is why I am asking for you help. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46077
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: A few weeks ago, I spoke with a representative at US Bank regarding my business credit card account, and she said that she could simplify my account by adjusting the account from " central billing '' to " personal billing ''. She intimated to me that the adjustment would be quick, simple, and free, as she said NOTHING about any charges associated with the adjustment WHATSOEVER. A month later, US Bank assessed a {$75.00} charge against me for making the account adjustment. I never authorized the adjustment for {$75.00}. Had I known that the adjustment would cost {$75.00}, I never would have gone through with it. By charging me the {$75.00}, and refusing to refund me, I believe that USBank has employed an unfair and deceptive trade practice.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 904XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I called and went to bank with information that in had on account and told them on phone and to the us bank in this.location XXXX XXXX XXXX. That I want all my money back which was approved, they snatched my affadvid and never sent cashier check for all money that was on account and that was all unauthorized transactions on debit cards and bad bank tellers they where employees of bank that tried to fraud me for it. They was suppose to send cashier check for all money back that was deposited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28213
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A