Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: ELAN FINANCIAL Inquiry : XX/XX/2023 This account is a hard inquiry on my credit, and I never filled out for this. I called in try to explain to them that I never filled out for anything. They said they didnt even see me in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54601
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have attached a copy of letter received on or about XX/XX/XXXX regarding this dispute. I called company on XX/XX/XXXX and requested that they not make the change request referenced in the letter. The representative stated another representative would call me back on XX/XX/XXXX to accomplish this. I called today on XX/XX/XXXX and had a live chat that I have attached a copy of. When the manager attempted to call me back the number was flagged by my phone as spam and sent to my voice mail. When I called the number in the voice mail message I was sent back to regular customer service.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31410
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Have contact this company several times Ive never signed anything to apply for anything with his company. He agreed to remove it after verifying my true I did it and I would like to get all these inquiries removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06451
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
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 find out some charges that are not mine I did not had the card on my possession I opened a claim and on the same day they closed They said because I got benefit of the purchase I wasnt even at home I was XXXX miles away on those days I never received any service, benefit or products. I don even have a membership for some of those places. My wallet was stolen and I put a hold on the card as soon I got home They would not reverse those charges and want me to pay for something I never got the benefit
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92130
Submitted Via: Web
Date Sent: 2023-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: Someone applied for a credit using my name, information, and address. They were unable to open as I have a freeze on all three credit reporting agencies but I was told to still report the attempt to FTC. Elan FinancialXXXX said they did not have the resources to figure out who applied for credit under my name.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34997
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I applied for the US Bank Business Checking Account and was approved on XX/XX/XXXX. The reason I applied was because when I went on to US Bank website, there was a {$400.00} bonus promotion on the screen. I completed all requirements and was supposed to receive the bonus by day 60. However, after 100+ days, I haven't received anything yet. US Bank also charged me {$6.00} service fee twice without me knowing any ways to avoid it in the first place. I contacted US Bank Customer Support several times. The first time back in XX/XX/XXXX, the customer representative confirmed that I successfully completed all requirements and should receive my {$400.00} bonus soon. Yesterday, on XX/XX/XXXX, I contacted the US Bank twice to ask why my bonus hadn't shown up yet. They said that the code attached to my application expired before the account opened. This is very frustrating. When I applied directly from the website, there was a {$400.00} bonus offer prompting me to apply, with the note that the code would be automatically applied. If the code did expire, why did they even let customers use that code knowing that there would be no bonus? This is a bad way to get new customers. I checked online and noticed there were other customers who also didn't receive the bonus like me. So basically I was prompted to open a US Bank Business Checking account and got charged {$12.00} fees in total, with XXXX bonus. Completely disappointing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94107
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My identity was stolen last year when someone broken into my vehicle ( police report number and FTC identity theft report attached ), US Bank and XXXX XXXX XXXX applied inquiries to my credit report that is fraudulent and unauthorized I did not apply for a loan with US Bank or XXXX XXXX XXXX in any form or fashion. I contacted US Bank and XXXX XXXX XXXX and informed them of these fraudulent inquiries showing on my credit report and they have failed to remove the inquiries.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77494
Submitted Via: Web
Date Sent: 2023-04-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Money Market account was advertised with an APY of 3.50 % but I am getting 0.01 %. Went to the bank on XX/XX/XXXX for this rate, called on XX/XX/XXXX to say I did not receive the rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 38583
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-14
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: XXXX XXXX scam email requesting {$13.00} for next month prime payment they said was disallowed by my credit card. directed to web address that collected info about my XXXX password and then my credit card. the web address was XXXX XXXXXXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55330
Submitted Via: Web
Date Sent: 2023-04-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-04-13
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a credit card originally issued by US Bank. About a year ago this card was switched from US Bank to XXXX XXXX. Recently, I tried to make three payments to this credit card from my checking account at Liberty Bank. Liberty Bank had recently changed/upgraded their bill payment system. The result was the payments were sent by check, each made out to XXXX XXXX but sent to a US Bank address. US Bank has deposited each the three checks. Check 1 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 2 - Check number XXXX, Dated XX/XX/23, Amount {$5700.00} Check 3 - Check number XXXX, Dated XX/XX/23, Amount {$500.00} Each of the three checks has cleared. Images of the backs of the checks show they were deposited into a US Bank account. I have contacted each of the three banks and none have been able or willing to help me. I will upload the front and back images of the checks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 060XX
Submitted Via: Web
Date Sent: 2023-04-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A