Date Received: 2024-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Heritage Financial Credit union zeroed out my credit card without notice to the consumer. Heritage Financial Credit then sent my information to a 3rd party service provider without given the consumer the chance to opt out or explain what was going on. I began getting phone call back-to-back every other day from Elan financial services saying that I owe them money for credit card. I never herd of Elan financial services in addition I do not have a contract with them. I have spoken with Elan financial over the phone and asked them to send my personal information back to Heritage financial credit union. I have no idea whets going on and since my personal information has been shared with this company. I have been harassed by them day and night. I never had issues with Heritage Financial credit union, I made my payments on time and was never late over 30 days. I would like to file a lawsuit against Elan financial, they have caused me to have emotional stress and can't sleep at night and now they have reported incorrect information on my credit profile. Heritage has not provided me a chance to opt out- Elan financial services has violated my rights under the FCRA . Violations are several from this company and Heritage financial credit union. Gave no time for consumer to gather all information to make a decision.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10940
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I was looking over my credit report and saw a hard inquiry from US Bank on XX/XX/year>. I called US Bank and provided them with this information. They looked me up by my social security number and I was told I never had any inquiries with them. I was instructed to fill out a fraud report by a transition representative because a hard inquiry is showing up from US Bank but US Bank has no history of me ever applying for anything.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I recently opened an account with US Bank to use for my income. My first paycheck was deposited ( {$5900.00} ) on XX/XX/year>. I visited a branch on XX/XX/year> to ask about where my new debit card was as it hadnt been received and there was no mention that the funds were being held. On XX/XX/XXXX I spoke to your customer service on the phone and they mentioned it could take 3-5 business days for the check to clear. XX/XX/XXXX I received a letter in the mail that my funds were being held due to Confidential information - safeguard/exception and would not be released until XXXX XXXX, 11 days after deposit, signed by XXXX, XXXX at branch XXXX XXXX When I visited the local branch this morning and questioned why it took so long to be contacted and why the funds were being held, the employees reply was that due to terms and conditions they can hold the check up to 30 days. I was also told that they could not inform me as I was not the one depositing the check nor would they contact me via phone or email, only snail mail. XXXX then requested to get a proof of check cleared from my work, so brought this to them along with our director of finance. XXXX said she would make a request right away to your risk department to see if the funds could be cleared. When I asked to get notified, she asked to have my phone number which US bank already has. I requested then to get an email about this, I again was asked about contact details that are already in your system. My finance director asked her if this was their way of treating a new customer and if they wanted my business or not to which we got a reply about rules and regulations. Here are my major issues with this : Lack of communication : no info given when I myself visited the branch on XX/XX/XXXX, nor when I spoke to customer service on the phone that the funds were being held for a specific reason. Immediate funds : I was informed that the initial {$220.00} would be available immediately as per your policy. They were not and still haven't been. Treatment of new customer : when I spoke to XXXX at branch XXXX, she was not very friendly and came across as it was all my fault and I should know better. I wouldnt recommend her to anyone! Sending information via mail : not only is this the slowest way possible but also the least efficient way when the US bank has my phone number and email address. But for some reason, thats not the way US Bank wants to communicate in the digital age of XXXX. Money now : I have to pay a deposit and rent for an apartment by tomorrow XX/XX/XXXX which is {$2000.00}. Theres also a hotel stay tonight for {$150.00} at the XXXX XXXX XXXX that needs to be paid for. Money is also needed for food, hygiene articles etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68137
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-09
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I have disputed a US BANK reporting error on my XXXX report several times. I have sent several certified letters over the past few years and XXXX continues to ignore, disregard, and violate my rights. My latest dispute was sent on XX/XX/scrub>XXXX XXXX XXXX Unfortunately, XXXX responded yet again stating that it was verified without providing any of the documentation that I requested on several occasions in accordance to the Federal Trade Commission 15 USC 41 guidelines. Their failure to provide the requested verifying contracts is in direct violation of my rights. I am understandably very frustrated that this has happened and can not believe that US Bank and XXXX would let something like this go unresolved for so long. I have spent hours diligently reviewing my report and outlining inaccuracies. I have also spent a lot of money getting my disputes notarized and certified. I have impeccable record keeping and I have been very gracious in giving XXXX ample time to remedy the error in question. This delay has put me at a disadvantage and has cost me valuable opportunities that require bank accounts in good standing to qualify. I am now asking the CFPB to intervene and help me rectify this situation. It is unacceptable that XXXX and US Bank has not resolved this issue. It is well within my right to request that the items in question be deleted and removed from my XXXX profile. With your help, I hope to see the items in question deleted in a timely manner. Thank you for your attention to this matter and I look forward to hearing from you soon.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95826
Submitted Via: Web
Date Sent: 2024-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I had this credit card for a few months now and for some reason I haven't seen any increase in my credit score I also noticed that the reporting from this credit card company is not accurate when forwarding the information to the credit bureaus I have emailed them and I have called them and for some reason I haven't got a response back and the other thing recently is that when I make payments on this account I particularly usually make about three payments a month before the balance is due every month on my statements I made several payments this month around three or four and they has not posted they actually are posting very slowly I made these payments in the beginning of this month they have not posted yet I sent the email about it and they never replied but they apply one of the payments towards my balance and not the rest of payments as if they wanted it to be reported as I still owe and as if they want me to be confused over what I still have to pay and maybe even overpay or double pay for something that they're not crediting to the correct amount to reflect a correct credit at this point I wanted to make sure I reach out because if anybody makes payment its supposed to reflect especially if it's not posting below is the message that I have sent the company and I believe at this point it's just like bias and Prejudice and some sort of bigotry going on because I even checked my credit report and I see that every time they report it is always the incorrect amount again see the message below for what I have sent to the company and they have not responded but any other time I email them or send them a message about anything regarding my account they will fully answer and within a day or two for this situation in particularly regarding a credit card they have not responded these companies are pushing consumers to file once it complaints rather than resolving the issue it is very normal for payments not to post but I've been keeping track of my account for some months now and usually when I make a payment a post within the time it should have for some reason this month has been unusually late with posting those several payments that I made also I have took the time out to always call them first an email and for some reason I don't always get a response when it's about money-wise I also noticed at times that my interest is incorrect usually before my bill is due I will call to see not only sometimes with my balance and also what's the interest for that bill for that month anytime I ask that I usually almost always post a payment and then post my interest and for some reason once I do that they'll still charge interest and I'll still have to call for that month and let them know that I paid my interest and then I made a payment and why was I still charge interest and they'll just repost it back to my account so again they have a system that's not generating correctly and I only say this because anybody can find out what interests they accumulated for the bills of that month I also sent them a message to ask them for this month before it came in what was my interest and they ignored me now when I called them back in XXXX to see what my interest was for XXXX I had no issue but again when I called them before XXXX came in and asked what was my interest in a message they never answered so at this point they're now having it so my messages is not being seen as out they had a system where if you send a message online you'll be able to see the out message when you sent it and vice vera with the inbox messages for right now you can only see they responses to date they did not respond before the first of XXXX to answer what was my interest because I wanted to put it in writing because the previous month they told me what it was it was like {$8.00} and change I paid {$10.00} and for some reason they didn't want to put it in writing so again I just want to make sure there's no fraudulent activity going on with my account thank you This is the messsge i sent I noticed this company is not reporting my balances & payments to the Credit Bureau correctly they're being reported with a incorrect amount meaning i pay before my due dates and in full & it is still being reported that owe the previous balance or more i always pay a lager amount even 3 paymentd or more in a month and for some reason my credit score never increase payments are being reported way later to the credit bureau again I have not seen a increase in my credit score from having this card for a few months and I have paid on time also i never go any points for my 2 XXXX transactions i also notice this company checked my credit report recently as if I applied for another product also my available credit balance for my account is incorrect I already paid my bills and the payments have already posted and it's not reflecting my current credit for using on my credit card it's actually lower as if the bills did not post it's been over a week that right there is getting reported as if i still owe to the credit bureau
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 280XX
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Trouble during payment process
Subissue: Paying off the loan
Consumer Complaint: On XX/XX/XXXX at XXXX XXXX MST we ( my husband and myself ) went to US Bank branch number XXXX on XXXX XXXX XXXX XXXX XXXX XXXX MT XXXX We asked XXXX XXXX for a FULL pay off amount for our mortgage. We were provided an amount of {$1700.00} I read back the amount and confirmed it was to payoff in full and then wrote out my check for this and wrote Mtg Pd in Full in the comments and confirmed a third time that this was the full amount to close the account. XXXX stated yes. I then gave her the check and she provided me with an Official Receipt. I asked her if this is all the proof, I would receive for paying of the mortgage in full. She then assured me this would pay off and close the account and gave me her business card in case of any questions. And I would receive a package in the mail one the payoff has been processed fully. The Following Day XX/XX/XXXX I received a call from XXXX that she pulled the amount incorrectly and she would call me back with an amount at a later time. XXXX XXXX XX/XX/XXXX I received and automated email that they made an Escrow payment from the home mortgage account that should have been closed. Friday XX/XX/XXXX, I spoke with the branch manager XXXX that she was willing to waive {$0.00} As her employee XXXX did not pull the payoff correctly and that there were additional fees due. However, since she was not an insurance agent, she could not discuss the amount due to US Bank with me. She told me to call XXXX Called XXXX spoke with XXXX in Escrow who transferred me to XXXX in Escalations who transferred me to XXXX a senior escalations representative. I explained to XXXX that I was not going to pay the additional fees due to their employee not quoting me the correct information. Let her know this would be like going to the store to purchase an item and them calling you back and telling them you owed them more money. That this is not how business or banks are run. That customers should not be treated this way. She stated that this would require more research and she would call back on Tuesday XX/XX/XXXX. She agreed that it was not correct what the branch did to me. I explained that payoff off your home should be a happy experience this has been nothing but stress for me for the last week. On XX/XX/XXXX XXXX XXXX MST received a call from XXXX. She said she was having a difficult time trying to reach the branch manager and she would call me back on Friday XX/XX/XXXX with a Resolution. On Friday XX/XX/XXXX XXXX XXXX MST received a call from XXXX who told me the resolution was not what we were looking for. The branch admitted Fault however would not pay for the additional amount that was need to payoff and close the account. I told her this was not correct and asked to talk to a manager. She was able to transfer me to XXXX. After some discussion she was going to call the branch manager XXXX and talk to her again and call me back after words. I then reached out to another local branch XXXX at XXXX XXXX MST spoke with XXXX and asked who was the district manager to XXXX at the XXXX XXXX office. He gave me a name of XXXX XXXX. I asked if he can reach out to her on my behalf. Explained that I was quoted a payoff and close amount and gave this amount to the branch and now they are coming back and asking for more. He took all my information and was going to email XXXX XXXX. He advised to give her until Tuesday afternoon or Wednesday morning to get a call back. Received a call from XXXX on XX/XX/XXXX at XXXXXXXX XXXX MST She stated that she spoke with XXXX and her District Manager XXXX XXXX and that all they would be willing to offer is {$100.00} for them miss-quoting my payoff amount. I again Stress that this is not my error and why am I being punished for the Bankers error for not providing me the full payoff amount as asked. XXXX Stated at this point the only thing I can do is do a Formal Complaint. She completed the formal complaint and provided me a number of XXXX where It would take 5 days for them to respond via USPS or snail mail. I then told her thru this whole ordeal that not one person has provided me with a pay off amount. She stated this amount is {$5000.00} and good thru XX/XX/XXXX. Restress that this is not fair and that I feel Screwed for their employee making a mistake. This is no different that walking in to Auto Dealer and purchasing a Auto and getting home and getting a phone call the next day stating Sorry we miss-spoke and now you owe us more money. This is just Ethically wrong.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59102
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I received a credit alert from XXXX saying I have a delinquent unpaid account of {$1200.00} from XXXX XXXX XXXX. I don't remember having an account with XXXX XXXX. I monitor all my financial transactions and obligations and I don't know XXXX XXXX. I believed this is identity theft and somebody is using my information to obtain/apply credit card under my name. Please review and remedy. Please reach out to me if you have further questions. ( XXXX ) XXXX. Thank you and have a nice day. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95687
Submitted Via: Web
Date Sent: 2024-02-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-07
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XXXX XXXX XXXX " U.S. Bank '' " E-Fraud '' department placed my card on hold due to a fraud alert from an ACH transition. I received a ACH transfer for the amount of {$3200.00} the transaction came from an item that was sold online. I went to the branch and provided them with all the necessary documentation needed. Since then they have been holding my funds for more then two months & just closed my account on XXXX I've received an update. I have been told that they still will not be releasing my funds even after I have given them everything that necessary for them to validate my account. I'm going through financial hardship due to them holding my account & not allowing me to withdraw my funds. I need help they're wrongfully hold my funds & I feel racially profiled, I have been patient. I do not know what to do about this satiation any more.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89113
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Hello, I am sending this letter in regards to my accounts that I had with US Bank from XX/XX/XXXX to XX/XX/XXXX. I believe there is an error that I need to dispute in regards to the reporting of late payments on both my first and second mortgages. In XXXX XXXX XXXXXXXX, I went through a divorce that resulted in my ex-spouse being granted the property. He was to take over the payments starting XX/XX/XXXX, per the order of our divorce decree. He was to have refinanced or sold the home before XXXX XXXX XXXX, which he failed to do so. Fast forward to the year of XXXX, he remained living in the home and paying the mortgage while still in my name. He lost his job at some point and the mortgage payments had to be deferred. There was a deferment schedule set up with the first mortgage so there should not have been any late payments reported to my credit on that account. In regards to the second mortgage, that one was set up on a deferment plan as well, however, I had contacted US bank a while back requesting the payoff amount to have that completely paid off and I was given a balance required to pay it off, but it was not disclosed to me that there was still a balance remaining because of the " deferment ''. When checking the accounts online, it showed that the second mortgage had a XXXX balance on it when that was not correct. I had to call US Bank again to see why I kept getting notices regarding the 2nd mortgage not being paid and in the meantime, it was reporting late payments to the credit bureaus when I was under the impression that the account was completely paid off. My understanding is that I was incurring late fees also because of this. I need these errors corrected and reflected on my credit report, as it is affecting me acquiring a new mortgage today. It was not my fault or wrong-doing that the 2nd mortgage was reporting late payments when it was not disclosed to me that after I requested to get a " pay-off '' amount that there was still a balance remaining. There should be a record of me having contacted US Bank for the pay-off request and then again asking why there was still a balance after I requested the complete balance to pay it off. That is unfair treatment towards me, and also after my ex-husband was to be making these payments per the court ordered decree. If I had requested the full payoff amount to have that account done and over with, I should have been given the full amount including whatever was deferred and not charged a late fee or had them report late payments to the credit bureaus. I feel that is fraudulent activity. Once I paid off what they told me it would take to have it completely paid off, I was getting notices that it was late. But when checking my account online, the balance said XXXX. That is very deceptive and negligent on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-08
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: It has been over 120 days and I have yet to hear back from Elan Financial regarding this fraudulent account opened in my name. I feel taken advantage of as a consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92604
Submitted Via: Web
Date Sent: 2024-02-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A