Date Received: 2023-05-29
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXXXXXX, AKA XXXX XXXX XXXX, AKA, XXXX ran an inquiry on my report without my verbal or written consent. I spoke with XXXX, XXXX who are finance managers stated they could not find me in their system. Inquiry date, XX/XX/XXXX, three consecutive times. Typed letter was given to manager XXXX on XX/XX/XXXX. He apologized, gave me a gas ticket receipt for {$40.00} stating it would be removed from my report. ( I have a copy ) My credit union, XXXX XXXX gave me a check to purchase a vehicle, I informed XXXXXXXX XXXX XXXX I don't need to sign any documents I was approved through my credit union. I never consented or signed anything. This has affected my credit score. Their address XXXX XXXX XXXX XXXX XXXX ca XXXX, ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93536
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
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: I was charged XXXX for an order with XXXX XXXX XXXX from XX/XX/XXXX which was never received by me. The retailer directed me to open a dispute with the credit card company and promised that they will make a record and not contest the charge. I opened a dispute with Elan Financial Services and explained what happened. I received XXXX provisional credits- XXXX for XXXX and XXXX for XXXX, totaling XXXX. Recently the credit for {$81.00} was reversed. I contacted Elan Financial Services and they made the false claim that I said that I received the package. They also said that they sent out a form that I need to return. I reiterated that the package was not received and gave them my address for them to resend the form. No form was received and instead the second portion of the credit in the amount of XXXX was reversed as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07083
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Hello, Im having a weird issue with my bank. i received money through XXXX from my boyfriend ( {$1000.00} & {$1500.00} ). & now my account is displaying a message saying your account is temporarily unavailable i called the Bank & was told that someone named XXXX was working on my account and i called him directly XXXX XXXXXXXX, left a message him and havent heard anything back from him yet. its been multiple days and i still dont have access to my account or my funds. this has been a terrible experience so far with US BANK. Not sure why my account is on hold but i would absolutely love to hear from someone that can get this resolved.. havent had any issues besides this. i feel as if nobody cares to help me fix my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 612XX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-29
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I called US bank to report a transaction that I do not recognize nor authorize. Customer service from US bank refused to provide any document related to the charge nor transfer my call to the fraud department to dispute it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91101
Submitted Via: Web
Date Sent: 2023-05-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: INSTITUTIONS MADE INQUIRIES WITH FRAUDLENT INFO/IDENTITY THEFT INFO AND OPENED ACCOUNTS W/OUT MY PERMISSION/CONSENT
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-05-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Union Bank Credit Card Fraud Department is 100 % in violation of Federal Banking Regulations to delay Fraud Claim filing process and REFUNDS up to over 30 days or XXXX months delays, as they have merged newly with XXXXXXXX XXXX Because of their merge, they fell behind on Claims. I worked with XXXX XXXX bank and I am fully trained and aware of Federal Banking Regulations. I had to call daily XXXX times a day for over XXXX weeks BEFORE they would even finally not drop calls. Not XXXX call was returned by Fraud department in over 27 days. I also note that I worked under a STATE LICENSED INVESTIGATOR, XXXX XXXX for over 7 years in an Apprenticeship and worked with DA/Attorney and our specialty is FRAUD. XXXX have an Online Auction website and there is a PHONY COPYCAT website that is online and I did not notice till too late as it looks exactly like the XXXX website. I received an EMAIL to confirm from the XXXXpartner that is it a phony fraud website and it is not their website and many have contacted them about the phony site. UNION BANK CREDIT CARD DIVISION IS NEGLIGENT UNDER FEDERAL LAWS TO REFUSE TO PROPERLY PROCESS REFUNDS FROM FELONY FRAUD CASES. Phone Number : XXXX Dept Head : XXXX - refuses to process/no call backs Fraud Dept - no calls backs - will not take evidence emails Agents stated it will be over 30 days or more before funds from Felony Fraud are refunded if not more as " the Fraud Department is too far behind '' ....
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98117
Submitted Via: Web
Date Sent: 2023-06-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Starting XX/XX/XXXX to date I have written XXXX letters to US Bank and XXXX letters to XXXX, XXXX XXXX and XXXX. Copy of XXXX attached. US Bank, XXXX, XXXX XXXX, and XXXX are reporting XXXX items which I believe are false. Item XXXX is showing a XXXX day late on my US Bank mortgage for XX/XX/XXXX. I have asked for the records or the removal XXXX times. Each time I get the same response from the credit bureaus. They claim the past due was verified but I have receiving nothing from US Bank supporting that claim. The mortgage was in forbearance for covid and should not have been reported late. I would like this removed from all three credit reporting agencies. Item XXXX is the balance of my mortgage. The credit reporting companies show I owe a balance of {$630000.00}. The monthy mortage statement shows a much lower balance of {$580000.00}. I have written to US Bank XXXX times with no reponse. I have written to all credit agencies but they continue to report the incorrect amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85259
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, someone is using my personal information to open credit accounts online. I viewed my credit report and it shows a list of " Hard Inquiries '' that I have no knowledge of. Iam a victim of identity theft, please help me. XXXX. XXXX. DATE : XXXX XXXX. XXXX XXXX XXXXDATE : XXXX XXXX. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 319XX
Submitted Via: Web
Date Sent: 2023-06-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I've been making payments around 15 times a month for last 8 years ( by online ) to this co. Whenever I make a payments it always get posted the next morning with a correct available credit. I had no problems util XX/XX/XXXX. On that day, I made a payment of {$4000.00}. The following day ( XX/XX/XXXX ), I see the credit posted. However, the next day ( XX/XX/XXXX ), it disappeared. I was going out of town on that weekend and this had caused so much inconvenience. It finally appeared AGAIN on XX/XX/XXXX. I said to myself, ok this is just an isolated case. On XX/XX/XXXX, I made another {$1000.00} payment. The next day the credit got posted but it was applied short of {$600.00}. I called the cs the next day but they were not able to give me a clear answer due to I had so many transactions on my account. I am sure nobody wants to lose their hard earned money dissapeared by {$600.00}. Again, I'd like to remind you I check this app every two hours and before I go to sleep. On XX/XX/XXXX, I made another payment ( {$1000.00} ) but was shorted being credited by around {$160.00}. I called the cs again but all they are saying was pending charges which I already know and fully calculated. I already know that. It was like talking to a block. Very frustrating
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2023-05-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-05-26
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Elan Financial Services are reporting that I was late on payments 30 days or more when the investigation shows that for the month of XXXX I did not even have balance nor did I owe for a balance and dates that it says that I was not late for making a payment it shows that XXXX dollars were paid for that month and it doesnt add up. It also shows that I was late for the month XXXX for 60 days but it shows that I made a payment on XX/XX/XXXX for {$200.00}. Other months like XXXX and XXXX show a {$0.00} payment but I was not late. The information that was provided to me is inaccurate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 464XX
Submitted Via: Web
Date Sent: 2023-05-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A