Date Received: 2023-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a XXXX XXXX card serviced by Elan financial services. And suddenly my account was closed permanently without my consent and without any prior notice and without any problems with my card and for NO reason. But the reason I was given is fraud and fraudulent activity on my account and my account has and had a XXXX balance but today XX/XX/2023 I received a statement from Elan financial with a balance of XXXX dollars and asking me to pay it even though they closed my account for fraudulent activity and fraudulent charges so why are they asking me to pay XXXX dollars???? Elan financial services closed my account for fraud and then they send me a statement with a balance of XXXX dollars to pay and that is wrong. You can not ask me to pay for fraudulent charges on my account. I have XXXX liability on fraud. And also elan financial services owes me the reward points that were accumulated on the account which they stole from me an never paid me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 35226
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: us bank is still reporting accounts XXXX and XXXX to my credit report. This debt is has passed the statue of limitations in texas which is four years. Us bank is violating my rights by continuing to report debt after the statue of limitations has expired.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 760XX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On or around XX/XX/XXXX, a potential lender checking my credit discovered a delinquent credit card debt with US Bank listed on my credit report. On XX/XX/XXXX, I reviewed my XXXX credit report in detail and found the credit card debt in the amount of {$3900.00} opened on XX/XX/XXXX in my name and was closed as a charge off after a couple of payments were made and then stopped. The status was updated in XXXX, XXXX. I'm not sure if this represents the date it was closed as a bad debt, charge off. I do not now nor have I ever had a credit card account with the US Bank. Therefore, I filed a dispute with XXXX. I was directed to a phone number to speak with a representative which was someone at XXXX. She asked if I had spoken with the creditor. I told her not as of yet as I thought the number I was calling was the creditor. I was told to file a report with the FTC and provide them with a copy. She asked if I wanted her to place a lock on my credit file and I told her yes. She said this would stop anyone from opening credit in my name unless they verified that with me first. This was to last only for 1 year. She asked that I upload a copy of the FTC report to their website if one is filed. I attempted to contact a bank representative on XX/XX/XXXX by calling XXXX to determine how this account was opened in my name and to get it cleared from my credit report since it is not mine, but after being transferred a couple of times by XXXX XXXX and XXXX XXXX, the third person I spoke with XXXX XXXX told me she could not do anything that day and told me to call back on Monday XX/XX/XXXX which I did but the bank was closed for the XXXX XXXX. I attempted another call this morning, XX/XX/XXXX to XXXX and was told by an unnamed employee that I needed to speak with a XXXX XXXX as she was the agent handling the case and her telephone number is XXXX. Unfortunately, she is out of the office until XX/XX/XXXX so I left a message on her voice mail for a return call. I have not had success thus far in speaking with anyone and since they do have my SSN I don't have any confidence that they will agree with me that I am not the person who incurred the debt with them. I'm simply tired of the run around. Therefore, I proceeded to file my complaint with the FTC and I was rerouted to your website as the agency that handles this type of complaint. Can you assist me with getting this cleared up and removed from my credit report please. Note : An initial fraud alert has been placed on my XXXX Credit Report until XX/XX/XXXX. They forwarded the alert to the other 2 credit bureaus, XXXX and XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I opened a US Bank XXXX checking account ( Attachment XXXX ) and used promotional code XXXX ( Attachment XXXX ) in my application. XXXX XXXX XXXX granted the account holder a {$500.00} cash bonus for completing several benchmarks within the first 60 days of opening the account as evidenced in the terms and condition in Attachment XXXX. Pursuant to terms of the offer, the account holder needed to : XXXX. Open the account between XX/XX/XXXX and XX/XX/2022 ( Account was opened XX/XX/2022 ) XXXX. Enroll in online banking within 60 days of opening the account ( Completed after account opening ) XXXX. Receive two or more direct deposits within 60 days of opening the account. For the {$500.00} bonus, the aggregate total of the direct deposits needed to be {$6000.00} or more. Per the attached statement ( Attachment XXXX ), a direct deposit of {$3000.00} was received on XX/XX/2022, which is shown as a Payroll direct deposit. A second direct deposit of {$3000.00} was received on XX/XX/2022, also a Payroll direct deposit. More than sixty days has elapsed since the second direct deposit and the bank has not credit the bonus to my account, which is in contravention of their terms and conditions for the promotional offer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60103
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: The credit deposit that was supposed to go to my account was not the same amount on my transaction list. It was like I got robbed because both parties was saying two different amounts. Us bank was the bank I had a checking account in. I have also been having bad experiences with companies that was my idea and then someone goes open them up but I seem to be the crazy one when I mention it and confront them or tell authorities about the the I see and hear. I've also worked for some of those companies too.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2023-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-19
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Dear CFPB, On XX/XX/2023 was completed as a regular monthly credit card payment of {$43.00} dollars as I am due to complete a payment on the XXXX of every month. I saw in my online app. that US Bank charged me a returned payment fee of {$41.00} as well as an interest fee charge of {$3.00}. Once it was brought to my attention I addressed US Bank, to rectify the situation in regards to my account ending in # XXXX to remove and reverse the returned payment fee {$43.00} and to remove and reverse interest charge fee of {$3.00}. These rate fees are also more than what they should be has this been a case of late payment processing. As the language states on my monthly bank statement under the important message section at the top stating that I have 24 to 30 day interest-free period for purchases provided. I also requested to speak with the communications department to discuss and submit my reasonable accommodations in regards to my XXXX and reference to the negative activity that took place on my account and was not successfully connected to that department but a Customer Service representative who assisted me by leaving notes on my account for someone to follow back up with me. I have not heard back from US Bank, nor has the fees been removed as they remain still populated in my account. The negative activity on the account ending in # XXXX has impacted and affected my credit history and credit score. To resolve this particular issue I am requesting a credit limit increase without a hard credit pull being ran. As for any fees I am filing a complaint for my account to be reviewed of the fees mentioned above returned payment fees and interest fees that are inappropriately applied to my account immediately and for my account to be updated as the resolution. Review and remove fees that were inappropriately applied to my account ending in # XXXX as well as submitting a physical paper copies via emailed to the listed email address of all that was corrected and updated. This would be my second complaint filed on US Bank regarding interest fees and returned payment fees. First complaint number # XXXX There is a unresolved problem, conflict with the online technologies with US Banking structure tat calls for a resolution especially for those of XXXX like myself and for those of mental XXXX to be able to work with and be connected as a Private Client on personal matters regarding their finances within the Communications Department that I have also requested as a resolution to speak with. Kindly submitted,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75034
Submitted Via: Web
Date Sent: 2023-01-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a prepaid debit Visa gift card for {$75.00} as a XXXX gift. My sister-in-law included a copy of the receipt. She purchased it from XXXX on XX/XX/22. It is issued by XXXX XXXX. I activated the card and set a PIN. The card has not worked at any stores that I've tried both online and in person. I called and was told the first time that it hadn't been properly activated and was now fixed. I called again when the card failed to work and was told that it would work in 20 minutes after it was reactivated. I called yet again when it didn't work to request a new card and am now being told that my card was flagged for fraud and that if I want to use it I need to fax a copy of my driver 's license along with the card to " prove '' my identity. I asked to speak with a supervisor and was denied by two different call center employees. I find this preposterous. It's a prepaid Visa gift card that I should be able to give away if I want to. I was told to fax or send my information to the following : fax : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78727
Submitted Via: Web
Date Sent: 2023-02-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, A fraudulent check was written to XXXX & XXXX XXXX Trucking in the amount of $ XXXX bank debited my account for this amount. I logged into my account on XX/XX/XXXX and saw the funds were gone. I immediately contacted my bank and reported the problem. A fraud case was opened. US bank case # XXXX. The fraud department informed me the investigation could take up to two months and there was no guarantee the funds would be restored. I contacted the XXXX 's XXXX and files a complaint. XXXX XXXX was assigned to the case and he informed me most of these cases are not solved. I am reaching out to the CFPB for help. This was almost all of my savings and have had to get a loan to pay my bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 816XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XXXX, I purchased some XXXX XXXX Gift Cards from XXXX. Sometime between XXXX XXXX XXXX I tried to use them, but I was unable to use the cards. I found that the cards were compromised even before I purchased them. This company told me to FAX a copy of my ID, copies of the receipts and copies of the both front and back of the compromised gift cards. I sent the FAX on XXXX. The company acknowledged they received my FAX, however, they said the copy of my ID was illegible, so I have to send FAX again. I had to spend {$8.00} at XXXX to send FAX. I now have to spend more to get this problem solved. If I was at fault, I'm OK with that, but this company was the one who sold me the compromised card. These compromised cards should have been blocked and should have never been activated to begin with. In addition, I've called XXXX several times and talking to the customer service was hassle every time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 461XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-17
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: In XX/XX/2020 I was Declared deceased by U.s. Bank to the IRS twice. The first time was resolved by bank manager in XXXX Idaho in 72 hours. The second time was a week or two later and it took three months to resolve the problem. I would try to find out the reason why like asking proof of my death certificate or social security number and they would deny to talk anymore or hang up. I still never got the reason why I was deceased and am worried that something fishy was being done behind my back in U.S Bank. During this time I had a XXXX XXXX XXXX closed credit cards and could not do any loans because I was dead. This issue has been bothering me for the past few years. This all started when I was the power of attorney for my Aunt that past XXXX XXXX 2020. Things are back to normal but I dont feel right about what happened as a consumer in the bank with no reason to explain to me why, what, when, where with no proof in their hands. was there money in my aunts account that was dissappearing, I dont know. I would like an investigation on the u.s bank in XXXX Idaho.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 834XX
Submitted Via: Web
Date Sent: 2023-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A