Date Received: 2023-03-20
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I got an email from XXXX about an inquiry so I logged to check it out and I know I did not try to open anything in the last 2 months. This was an attempt today thru elan financial services. And it said XXXX. Don't know if that was for a car or a credit card. When I called the number listed it seems to be a personal phone number. XXXX. I called XXXX to issue a fraud alert. And they told me to get a report with ftc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10009
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: U.S. Bank offers a bonus for opening a new checking account but once the customer fulfilled the obligations of the promotion, no bonus was paid out. The account was opened in XX/XX/XXXX and over {$6000.00} was successfully direct deposited before 60 days. Attempts to resolve this with U.S. Bank representatives resulted in a ticket generated on XX/XX/XXXX but no additional response from the team since. Additional communication to support revealed ticket was not found on XX/XX/XXXX U.S. Bank is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : Enroll in online banking or the U.S. Bank Mobile App. Complete two or more direct deposits. The bonus you receive depends on the total of the direct deposits : - Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. - Earn {$500.00} when your direct deposits total {$6000.00} or more
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94115
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/2023 I attempted to deposit {$990.00} in a US BANK ATM the ATM took my money counted it and then gave me an error code and took my money then proceeded to tell me it can not credit my account nor will it give me my money back Ive called 20 times each associate tells me something different along the lines of they can not help me and no managers are available they ATM gave me a receipt with a phone mumber and thats it no reference number nothing very scam likely the bank is going to be over {$990.00} by the end of the night they should be able to do a claim and give me my money ASAP
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85042
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: The Federal Trade Commission has referred this case back to CFPB. Please assist to get this merchant to remove the remark. XXXX CLOSED Submitted STATUS Submitted to the CFPB on XX/XX/XXXX PRODUCT Credit reporting, credit repair services, or other personal consumer reports ISSUE Improper use of your report We received your complaint. Thank you. We will review your complaint. Depending on what we find, we will typically : Send your complaint to the company for a response ; or Send your complaint to another state or federal agency, or help you get in touch with your state or local consumer protection office ; or Let you know if we need more information to continue our work. YOUR COMPLAINT On or about XX/XX/XXXX, US Bank accessed by credit report without my authorization. US Bank sent a credit card unauthorized that I destroyed. Contacted credit reporting agency XXXX XXXX and US Bank XX/XX/XXXX by mail to remove the hard inquiry. No response to clear my credit reports XXXX XXXX nor XXXX and XXXX of the hard inquiry from my reports. ATTACHMENTS XXXX Inquiry.PDF ( XXXX KB ) View full complaint Closed STATUS Contact another agency After our review, we found that the best agency to help you with your issue is Federal Reserve Board. If you would like to submit your complaint with Federal Reserve Board, contact them directly at or call. ADDITIONAL TOOLS AND RESOURCES Credit Reports and Scores
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: In XXXX XXXX XXXX XXXX closed my credit account with them. Im not sure why but I was paying off the credit card. In my credit report the credit card was marked as a charge off and not collections. On XX/XX/XXXX I received a notification from credit karma that between XX/XX/XXXX and XX/XX/XXXXXXXX XXXX XXXXXXXX that my account with XXXX XXXX XXXX was removed from my credit report from it being 7 years which falls on the statute of limitations here in Connecticut. A few days later I received a phone call and Text message from XXXX XXXX XXXX XXXX that I owe a debt in the amount of {$4300.00}. Then on Friday XX/XX/XXXX I received a letter from XXXX XXXX XXXX about an attempt to collect a debt. The mail was marked for XX/XX/XXXX and that I had until XX/XX/XXXX to dispute the debt. This doesnt sit well with me whatsoever. I do have proof that I received the collection letter on said date because I signed up with USPS informed delivery. I will include a screenshot of the email from that said day. I appreciate the help that I will receive. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06450
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I found out my account was being closed by US BANK XXXX XXXX is the XXXX XXXX XXXX, XXXX, CA XXXX on XX/XX/XXXX. My remaining balance was {$3600.00} and the specific branch decided to withdrawal my money and hold it at that branch location. so my account was close at XXXX $ but the brand has my XXXX $ they never seem to have a manager in there substitute manager is name XXXX and she is not helping me at all and talking to me like i'm a criminal. I had personally drop off the documents the bank was asking which is anything related to my deposits made. 2 Money order with the receipts stub and my payroll with the tear part along with a invoice on XX/XX/XXXX XXXX they never call me to fill me in on anything i always have to call them. but they told me the documents are not good enough. I mean what else did they want i gave them receipts. but yeah that is my situation. Please help i have XXXX XXXX XXXX and need my money to take care of my health and US bank is not trying to help at ALL. i feel like i'm being racially profile. my name is XXXX XXXX XXXX XXXX XX/XX/XXXX address XXXX XXXX XXXX XXXX XXXX ca XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92841
Submitted Via: Web
Date Sent: 2023-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-20
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: im being charged at late fee of XXXX $ since XXXX of XXXX im also be charged interest XXXX $ i have my payments on auto pay im paying XXXX $ monthly on before the due date. i called them about 2 months ago i asked why am i being charged a late fee honestly i didnt get an answer as to why. i spoke with someone this morning from customer service i explained my situation she actually laughed how unprofessional. my call was transfered i explained my situation once again i stated my concerns about late fees and interest. i was told only 2 could get reversed i stated that im making an honest effort paying XXXX $ a month. how could i be past due while im making payments? At no time was i ever contacted by phone they had the wrong contact info. i was on the phone for an hour going back and forth about my concerns nothing was fixed. this why i have contacted you to step in and help please.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 026XX
Submitted Via: Web
Date Sent: 2023-05-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was previously a customer of US Bank. Time and time and time again, my actual dollar amounts were not accurately reflected in my checkings account. Ive actually closed my account as of the end of XX/XX/2023 due to the negligence of their bank. Due to my amounts being improperly shown, there were numerous times where my account was overdrawn. I would them be charged again for a cash advance just to avoid the overdraft charges. I do not have photos or documents, but the proof is there in my past transactions. Ig needed I can provide my account number. I still have an open, active credit card with the bank. The last straw was when I needed to make a large purchase for vandalism done to my car. When making the transaction with my card, my checkings account was bot overdrawn. The very next day, My account was - {$200.00}. When I call the bank, there is never a resolution. I was once instead told by a woman from US Customer service to keep a separate note pad of all transactions. If I wanted to do that, I would not bank online. After this, I wired my remaining checkings and savings amount to a new institution. I had been banking with US Bank for XXXX years. Ive lost thousands of dollars due to the inaccuracies of their mobile app which I relied heavily on. There were also many instances, at least a few times a week, where my transactions would post as pending, then would disappear for days, then would re appear. I was convinced that is how all banking was until I switched to my current institution. ALL of my transactions show up immediately. Every cent is accounted for and transactions dont randomly disappear. Yet, this was a regular practice of US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63108
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XXXX last year I made a balance transfer on my Elan Financial Services Fidelity Rewards credit card. The amount of this transfer was {$8000.00} plus {$320.00} in fees. The transfer had a promotional interest rate of 0 % APR. In XXXX of this year I made purchases on this card. I then made payments to the same card after these purchases posted. The statement closong on XX/XX/XXXX shows balance subject to 0 % interest as XXXX and {$4000.00} subject to 18.24 %. The XX/XX/XXXX statement shows {$2500.00} subject to 0 % and {$6900.00} subject to 18.49 %. I was advised that payments I made were applied to the 0 % APR balance rather than the XXXX balance. However the correct order of application of payments per Elan is " Payments made up to the minimum payment will be applied to the balance with the lowest Annual Percentage Rate ( APR ) first. Any additional payment amount ( s ) above the minimum payment will be applied in the order of highest to lowest APR balances. '' The minimum payment due XX/XX/XXXX was {$120.00}. After that amount was satisfied, payments should only be applied to purchases balance. I specifically asked an agent before making the balance transfer if I would be able to avoid interest and keep the promo rate by paying purchases down immediately and was answered in the affirmative. Before making the payments I double-checked with Elan customer service
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08701
Submitted Via: Web
Date Sent: 2023-03-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-03-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The Debit Visa card is no longer being honored by the bank. Valid thru XX/XX/XXXX. Had originally registered card in 2022 and had no problem using, used 2 or 3 times. Card currently has a balance of {$100.00}. Up to the end of 2022 the card worked. When the year turned,2023, card no longer honored. The website no longer recognizes the card or that I registered card, XXXX, and does not recognize the card number. When I call the XXXX number, I am continuously told that my name is not on the card? This is a gift card! The so called customer service I call, XXXX, continues to hang up on me and will not honor the gift card. This is a Gift card with a balance of {$100.00}, which I registered and used 2 to 3 times. XXXX 's, US Bank, and Visa is blatantly trying to steal the balance of my monies totaling {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 836XX
Submitted Via: Web
Date Sent: 2023-04-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A