Date Received: 2023-07-04
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have tried numerous times to contact this company by the name of Elan Financial. They claim to have a credit file on me, however I have absolutely no knowledge of this company. Also, I have never given this company permission to use any of my personal information. Any personal information that this company have has been obtained illegally. This companies address is XXXX XXXX XXXX XXXX XXXX, MO XXXX. I don't even live here or have ever traveled to this state. I have contacted this company numerous times to validate the account that they have on file with me and they refused to talk to me. I contacted this company on XXXX. I want this removed off of my credit imediately.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48234
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Other features, terms, or problems
Subissue: Credit card company forcing arbitration
Consumer Complaint: I got a message from an attorney that sent an ad for the service and they sent the first page of a lawsuit against me. I have not been served yet and this attorney was warning me of the lawsuit. US Bank has never sent me one collection letter. My husband got sick and Im behind on payments, but never a letter for collections or a validation letter. Us Bank had violated the Fair Debt Act. In turn, because of this, I want damages awarded to me for my rights being violated. Im suppose to get a letter about being sent to collections. I never got one in the mail. I know by law they have to send me one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 720XX
Submitted Via: Web
Date Sent: 2023-07-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/2023, I went to XXXX XXXX at XXXXXXXX XXXX and bought 3 packs of XXXX XXXX XXXX for XXXX XXXX Leaving me a Balance of XXXX $ in my US Bank Account, which is my rent money and first of the bill money. I drove 2 minutes back home and smoked a cigarette with my wife and we went to sleep. I woke up at XXXX to get and go to the XXXX XXXX and on my way there I stopped at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and the XXXX XXXX XXXX XXXX XXXX XXXX Which my US Bank Debit Card was denied at the gas pump and inside at the register. So I used my XXXX XXXX XXXX XXXX XXXX and drove to the XXXX XXXX XXXX XXXX for work ( XXXX XXXX XXXX XXXX XXXX ) I then logged in to my US Bank app and noticed that there were these unauthorized charges and that US Bank had deactivated my Debit card due to suspicious activity. ( Anytime I make a purchase I get a banner from the bank that i made a purchase, the amount and the location I did not receive these notifications on my phone for these three transactions that alerted the fraud department to lock the account. ) I then called US Bank phone number and it sent me directly to the fraud department. The three unauthorized purchases were XXXX XXXX XXXX XXXX transactions and XXXX at a XXXX XXXX don't even shop at XXXX or buy their gas. I opened a fraud claim with US Bank. These unauthorized transactions were taken place at XXXX, XXXX, and XXXX while I was sleeping. I have spoken to US Bank Fraud Department four times regarding this matter and they have denied the 2 transactions at the XXXX XXXX XXXX ( {$1000.00} and {$840.00} ) and finally after their weeks of investigation tell me to file a police report. This is the first time this has happened on this big of scale. I believe that one of the workers at the XXXX at XXXX XXXX is the thief and where my information was stolen. That was my last place I made a purchase. ( Since then my wife and I do not shop at this XXXX. US Bank Dispute # XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89118
Submitted Via: Web
Date Sent: 2023-07-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Although i got what was and is mine it took my mother passing away to gain access to what was mine after months upon months of explaing, arguing and hours and days took up with this place apparently all it took was my mother to die to access it... ..honestly wouldnt even be surprised if stressing over this didnt help the matter but cant say for sure... ..im still angry and distraught over everything that has happend with this place for the hours lost via calls and messages and arguing ... ... the easiest i had it was after my mothers passing i needed to have the money for her cremation upon walking in the bank manager knew who we was after one of the tellers told her my name and account number and they was quick to get a check and cash it almost as if they was happy that they was done dealing with me and my wife ... ... and excuses even came about the situation of someone acting as me and me having proof of it sorry but im still upset... ..no bank should ever do somthing like they did i now daily keep a close eye on my credit information and other accounts in fear this person is still trying to actively act as me but luckily my current bank does take there ( unlike here ) security very very seriously ... ... sorry but im still angry... .any normal person would be
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 460XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I have in multiple occasions contacted the bank regarding the process of my account being closed, I had several claims open because of the negligence in my claims for fraud, Since last year I have dealt with getting my account closed and getting my money back or at least having access to my funds, I had my car stolen not because of the bank of course but due to not being able to commute to work and not being able to access my funds with the bank I was unable to pay for rent since the money on my account was for rent and was evicted. I have had to continue to wait and wait, unable to even use that money for a downpayment for a car at this point, I had to move back to California with my mom, get a new job, and still can't even get a vehicle, I called this morning XX/XX/XXXX at XXXX XXXX and was transferred multiple times and still receiving no answer than, we don't know when you will get your money back but your account has been set up for closure, the agent also mentioned that if I wanted my funds I should just go to a branch and if they want to release the funds its up to their discretion, In XXXX of XXXX I was told the same thing and proceeded to go to a local branch and was told by the branch manager that its up to the claims department to help me with this and not the local branch, I then proceeded to continue to go from agent to agent, manager to manager and case processor to case processor and have yet until this day have no idea when I will be receiving over {$2000.00} of my money back, not only the I was also charged a monthly service fee even though my account " is being closed ''. I have been more than patient trying to receive my funds and have yet to receive anything or any help of the sort being so that I was old my claims have already been processed closed and final. The following is some information regarding the most recent times I have annotated my calls. I have also attached the amount of the fund being held from me as well as the maintenance fee I had to call about. Claim number US Bank : Process date : XXXX XXXX XXXX CLLED XX/XX/XXXX CALLED XX/XX/XXXX @ XXXX CALLED XX/XX/XXXX @ XXXX XXXX unable to revive funds until all claims are processed CALLED XX/XX/XXXX claims for debit card have been approved and closed unsure of when I will have access to funds
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93534
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I have had a HELOC with US Bank for 3+ years, during which time I have never paid late or had an issue. My previous debt with them was paid in-full shortly after opening the account. I drew on my account more recently, and found the process overly confusing and riddled with fees. A mistake in configuration of my bank accounts caused a payment ( on AutoPay ) to be returned. Autopay functionality was removed from my account at that point. I can now only make manual payments using specific $ amounts ( no pay-in-full option ). I tried to pay the amount in full a few times, but continued being hit with late fees for incorrectly calculating my outstanding balance. Each time I carried a balance and missed a payment I was hit with a new Late Charge due to AutoPay being disabled. On XX/XX/XXXX I called US Bank for the last time to receive a Payoff Quote and pay my full balance. I was quoted {$500.00} and made an immediate payment in that amount to fulfill my debt. On XX/XX/XXXX I received a notice in the mail that my account was in Default. I logged in and saw that I'd continued receiving late charges of {$29.00} each for the months of XXXX & XXXX. When I called I was told that the amount that I paid was incorrect for the time ( true principal was ( {$510.00}, a difference of {$3.00} ) and that it would have been my responsibility to know this and pay this amount in full. I was also told that payoff quotes should not be given over the phone, and are only valid if received in writing within 15 days. I was not aware of this process or had any reason to believe it to be the case. I have attempted to dispute this claim for two reasons : 1 ) I paid the amount I was quoted by a US Bank representative, and therefore should have no further obligation to them. 2 ) If there was a question of a miscalculation, I would begrudgingly pay the difference ( {$3.00} ) but to hold me responsible for interest & fees on the difference feels exceptionally unfair. While my case is much less dire than what people truly struggling with their finances go through every day, to me it highlights how dishonest and consumer hostile these practices are, and how quickly someone could lose their entire house or belongings due to these deceptive practices. As of today, while my request is still pending review by US Bank, I requested a PayOff Quote through their system and paid the amount in-full online. I am hopeful that if my request is denied and I am offered no-further remediation from them, this PayOff will put me in good standing with them so that I can put the issue behind me, although I will not hold my breath that either will be successful.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I noticed a fraudulent inquiry on my report from Elan financial on XX/XX/2023. I called XXXX to dispute the inquiry and they told me I needed to mail in a FTC report and a letter from Elan financial stating it was fraudulent. I sent in the letter and report on XX/XX/2023 & they say they did not receive it but based on their findings they would send a letter in the mail with the results in 5-7 days. I have not received anything in the mail so I called back and now they want me to upload the documents so I am in the process of doing that now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 402XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Confusing or misleading advertising or marketing
Subissue:
Consumer Complaint: I received an offer for U.S. Bank Payment Solutions merchant services. I applied around XXXX and was accepted between XXXX XXXX which met the requirement to signup by XX/XX/XXXX. I received and settled a payment on XX/XX/XXXX which met the requirement of receiving and settling a payment within the first 60 days of opening the merchant acct. It says within 45 days of settlement verification I would receive a bonus of {$600.00}. It has been over 90 days and no bonus provided. I called U.S. Bank several times. The first time I was offered a callback. No one called. I called and spoke to at least 5 agents who transferred me to XXXX and XXXX with all of the former claiming the adjustment was to come directly from U.S. Bank. They have misled and provided deceptive marketing and not wanting to follow through after meeting requirements. I have attempted to work with them and they continuously pass me off to the next person. One agent said they saw something pending and to hold on and just transferred me to another person. Existing customers : Limit of one Payment Solutions Merchant bonus per business. This offer is only valid for the business checking account referenced in this letter and is not transferable. To earn {$600.00} payment solutions bonus offer, you must open a new a U.S. Bank Payment Solutions Merchant account by XX/XX/XXXX and accept and settle a transaction into your U.S. Bank Business Checking account referenced in this letter within 60 days of the open date of your payment solutions account. The payment solutions bonus will be deposited into your existing U.S. Bank Business Checking account within 45 days of settlement verification, as long as the checking account is open and has a positive balance. Payment solutions bonus offer is not valid if you have an existing U.S. Bank Payment Solutions relationship. Refer to your company application for all terms, conditions and schedule of fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MS
Zip: 39110
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: I was scammed of {$1300.00} by someone on XXXX because they posted an apartment for rent claiming to be the landlord. He took all of my information like social security number, where I live, and how I look like. I contacted my bank which is US Bank and they declined my claim that I put to get my money back because apparently my insurance through my bank doesnt cover fraud which I had no clue because most banks like XXXX XXXX XXXX does. I filed a police report and requested a new claim with my bank again. I dont know what else to do to get my money back. Please help me out, thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 370XX
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-07-03
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/ 2023, I received a credit card in the mail from US Bank with a credit limit of {$25000.00}. It's a card that I never applied for and it was fraudulently opened. I immediately called US Bank and informed them of the issue and they took action to close and delete the card. They informed me that someone had tried to transfer credit card balances of over {$11000.00} to the fraudulent card. The party that opened the card had my correct personal information down to the car that I drive.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32765
Submitted Via: Web
Date Sent: 2023-07-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A