Date Received: 2023-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Good evening, My home loan account number is Account XXXX with US Bank XXXX On XX/XX/XXXX, my XX/XX/XXXX payment was returned due to insufficient funds. However, I transferred the funds and made a payment of {$1200.00} from my bank account on XX/XX/XXXX to US Bank. To date, after repeated calls and nearly two weeks after sending my Bank Statements to prove the deduction was NOT returned, I have not received an update from US Bank. Their records still state that my payment was not received. I am getting the run-around. It is now XXXX and the potential false-negative report of a missed or late payment would negatively impact my credit score. Calling their customer service line is pointless because the reps refuse to read the notes before giving me " inaccurate '' responses. An investigation was opened and I was told that to call back on XX/XX/XXXX. When I called back, they did not have any updates and I was told to check back again on XX/XX/XXXX. I checked my statement online and the {$1200.00} still has not been applied to the XXXX balance. As a US Bank customer of 6 years, this is the worst customer service that I have ever received. My phone number is XXXX. I would like an update from US Bank from a supervisor. I would like for the {$1200.00} to be credited to my account, and for any negative reports to be removed from my credit. I have been trying to pay the mortgage balance of {$100.00} -- payment increased due to escrow -- since my first call on XX/XX/XXXX -- However, I could not because of the initial {$1200.00} that was not accounted for. Their system will not allow to me make any payment amount other than the full balance due -- which is currently inaccurate. Thank you for any assistance that you can provide. I have called multiple times, emailed, sent the bank statements, and never received a response. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32210
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I do not have credit history because recently starting to work under XXXX so every time I went through I get inquiry.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07054
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened the account for a bonus with the requirements of depositing {$1500.00} within 30 days and doing XXXX transactions within 90 days. I completed both of these and the company is refusing to pay out. they are claiming that the promo code was not attached so they don't have to pay
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX, MO XXXX Account # XXXX .... I am writing to dispute a fraudulent charge on my account in the amount of {$5.00}, XXXX. I am a victim of identity theft, and I did not make or authorize this charge an account was placed under my name erroneously. Since then, Elan Financial Services has damaged my name, and my credit Elan Financial Services has entered derogatory information into my credit file. I should not be responsible for Elan Financial Services mistake. Elan Financial Services has resource to enable accurate information about the clients inquiring new services. Elan Financial Services allows an account to be placed under my name erroneously. Elan Financial Services should verify all information prior to approving any application 's for services.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: On XX/XX/2023 an hard inquiry appeared on my credit report from XXXX XXXX. I did not give consent for this inquiry. I submitted a dispute through XXXX but was told they can not remove a hard inquiry. There is no contact information for the company listed, when conducting an internet search. This may be fraud or done in error. But Id like to prevent any further fradulent activities or lines of credit that I have not given consent for being established.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71118
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a {$500.00} XXXX XXXX XXXX, and it was declined for an online purchase. I called and told I needed to register my card and they sent me to an automated line. But when I type in my card number I get sent directly to a XXXX and am unable to change the pin or register the card. They then tell me to use in in store. Again it was declined. I call again and they say I need to change the pin and again send me to the automated system, or direct me the the website, XXXX, which tells me there is a problem with my card and to call customer service. After about the 5th phone call in which the XXXX states that in order to send me new card I need to go to the automated system to first register my card. But again the automated system does not recognize the card number and directs me to a different csr. And the entire cycle continues. This is a XXXX XXXX XXXX purchased from a XXXX XXXX XXXX XXXX sold by US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 54935
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-31
Issue: Problems at the end of the loan or lease
Subissue: Problem with paying off the loan
Consumer Complaint: I paid my car and I have received my title as of yet.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 206XX
Submitted Via: Web
Date Sent: 2023-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Someone tried to open a US Bank account in my name and a debit card was sent to my previous address. Someone tried to open an account with XXXX XXXX y to hat wasnt me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-02-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Today XX/XX/2023 tried to pay online and does not recognize PC. Called Customer support again as this happened first time as well. It asks for personal questions which we never entered. Nothing works and will not recognize or allow processing payment. I noticed all financial instruments with Valley XXXX Bank whether credit card or Heloc payments. They should not be allowed to sell instruments like this as credit card is through Elan. I even tried using app on phone same thing will not allow.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07675
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-30
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is second complaint regarding late payment posting by US BANK. I was approved for forward mortgage payments through the Homeowners Assistance Fund ( HAF ) for mortgage payments for 18 months. The HAF stated that they sent payment to US bank on XX/XX/2023. US bank hasn't posted any payments to my account as of XX/XX/2023. I want to escalate this matter as the end of the month is here and I do not want any late payments reported to the credit bureaus. This is a reoccurring issue with US bank not reporting payments timely but yet I receive correspondence requesting payment when the payment is sitting there. I would like for US bank to research further to find the payment and post to my account and credit bureau without penalty.Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32811
Submitted Via: Web
Date Sent: 2023-01-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A