Date Received: 2023-01-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Upon researching my credit report I uncovered a charge off account reporting delinquent monthly payments. This is reporting as Elan Financial Services, a subsidiary of US Bank. With zero of this account, I attempted contact via phone in XXXX & XXXX of 2022, yet was never able to make any progress. Using the phone number on the tradeline, I called, albeit I would always get a US Bank employee on the phone. Every time they would act like they haven't even heard of XXXX XXXX. After multiple failed attempts at reaching someone on the phone, I sent a series of certified letters in XXXX and XXXX of 2022 to XXXX requesting validation and/or information related to this account. I also detailed that if the account is indeed mine, that I would be willing to pay to resolve the matter to stop it from negatively impacting my credit profile any further. I never received a response from these letters. In early XXXX I finally received a call and spoke to a nice woman named XXXX at XXXX. I asked if she could send me verification of this account such as the credit card agreement that I would have signed, and she agreed to do so. Unfortunately, I never not received this. I called back in yesterday to the same number I spoke with XXXX on and the representative I spoke with acted as if she had more pressing matters to deal with rather than take my money to settle this. She insisted on trying to hurry me off the phone. At the end of each sentence she tried to end the conversation. I was ready with card in hand to pay something, and she didn't seem to even want to take the time.. At this point I explained I was still waiting to receive a copy of the credit card agreement so I can verify this is actually an account of mine, to which she responded that she would submit to have it sent to me again. I asked what if I do not receive anything, then what, and her response was " I do not know sir ''? I want this resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26554
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I opened my business, personal, and savings accounts with US bank back in 2022, in order to have an account that I can do my business through, to make a growing legacy for my family. I was getting paid through sales that are made for products that a variety of companies/businesses are buying as my XXXX XXXX supplies me with invoices regarding the transactions. I then would verify the transaction by calling the customer to talk about the sale. I would then take some of the money out of my account in order to pay vender 's that I need to pay in order to send the customer their products they purchases. About a week before XXXX of 2022, US bank froze all my accounts when I had over {$500.00} in both my regular checking, and business accounts. I also had {$800.00} in my Savings account, once they froze my accounts, they told me they were doing some kind of internal investigation on my accounts that were NOT a part of the US bank XXXX XXXX department. It was being investigated by a team that they would not disclose information with me about, nor have they ever told me anything they found ( if anything ). I have called them to talk with the branch manager, and continue to wait for a call back that I have not received as I asked for correspondence regarding any paperwork regarding where the remainder money that was in my accounts went? I and many others around me feel that US bank broke my trust with them as they took my money, did not contact me regarding why or what they did with any of my remainder balance. They continue to call and harass me trying to get me to pay for a bill that I have NO information about, they haven't sent me anything about it, and they still call me to try to collect a " so called '' credit card bill that I had with them when I was a customer, I was paying it, and nothing was wrong, Now that after the accounts are all closed, they still send me email messages to view my statements when I can't log on the the portal to check anything because they blocked me from being able to do so. They won't send me anything in my mail to correspond any information regarding this " so called '' debt. I believe that with the XXXX XXXXXXXX that they took from my accounts when they closed them, should have been paid toward the credit card that is in question, and my remainder balance would have been sent to me in a cashier 's check. Thank you ; XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80233
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: On XXXX, I purchased a mastercard gift card from XXXX XXXX in XXXX XXXX XXXX CA XXXX I could not use the website www.prepaidgiftbalance.com to activate the card so I called the number XXXX on the back of the card. The agent told me because the card was somehow scanned by fraudsters even before my purchase, so it is blocked from activation. I have to wait for a replacement card. I called vendor after 3 weeks and was told the card might be lost since I still haven't received it. I asked whether there is a way to send a card with tracking number and was told that is not possible. It has been over 7 weeks, now and I still haven't received my replacement card yet. No communication from this company and they do not show any sympathy for the inconvenience caused to customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I am the properly authorized consumer and I am submitting this dispute on my own without any third parties, with the intent to not be discriminated against for exercising my rights and applying the federal laws put in place to protect me the consumer. On XXXX a certified notice was sent to XXXX XXXX in reference of a billing error. XXXX XXXX failed to clarify the billing error, but instead used aggravated identity theft with extortionate means for the collection of an extension of credit. Please see attachment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19141
Submitted Via: Web
Date Sent: 2023-01-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: This is on going with the identity theft I've had going on.my XXXX unemployment goes into us bank XXXX account on Sunday the XXXX of XXXX person or group tried to take money out on that account.the bank was able to stop this XXXX but XXXX XXXX still neg over XXXX .the name of violators was XXXX XXXX XXXX so the fraud person at the bank and I decided to close that card down and reissue another one.my phone has been hacked .this is XXXX me so bad I don't know what to do XXXX about to get water and power turned off XXXX XXXX mo behind on my rent .theirs no help for me XXXX trying so hard .I may get edited they have hit XXXX bank accounts to difrent state unemployment agencies. My taxes are being held up from XXXX their any help for me.i was apart of XXXX data breach but I can't find any help.if anyone knows how we could get a grant to have resources and advocate for victims. I think we should fight to get this out because I'm XXXX and theirs no help ..this should be covered under health insurance as prevention of mental health because its a real thing.anyone that would help myself and millions of XXXX need help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 61265
Submitted Via: Web
Date Sent: 2023-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: On XX/XX/2023 a letter was generated stating that a credit card through US Bank was not able to be processed due to another pending application. I have not applied for any credit cards with US bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Add-on products and services
Consumer Complaint: I have a XXXX card issued by Fidelity ( Elan Financial Services ), and I'm filing a complaint regarding their lack of security procedure to protect their customers. On XX/XX/XXXX, after my card transactions were denied, I called their Customer Service line. The agent sent me a text to my cell phone for a 2-step passcode after verifying my other info. After that, I was told by the agent that on the previous day ( XX/XX/XXXX ), someone called in and reported the card was lost. The person requested that new cards be sent to XXXX, XXXX- not the address on my file. Fidelity processed that fraudulent request, cancelled my card, and was in the process of issuing new cards to the fraudulent address. I asked how could Fidelity process such request when I had to go through the XXXX verification. Plus, I never received email notification regarding my card 's cancellation. The agent said that she'll stop sending the new card to the fraudulent address, and re-issue new ones to my home adrress on file. She said the previous call will be reviewed, and gave me a case number. She said I can call the XXXX XXXX. XXXX to follow up. On XX/XX/XXXX, I called the Fidelity Visa card Fraud Line, and asked to speak to a manager. Manager XXXX came online, and said the call recording of the first agent was reviewed, and the agent did nothing wrong because the caller had all my info. I asked how can Fidelity process the fraudulent request when I had to go through the 2-step verification. He responded that the 2-step verification process has been added to my account AFTER I reported the case- which is NOT true because when I called in on XX/XX/XXXX, I had to go through the 2-step process. I also asked why Fidelity did not have the security feature to alert account owner regarding card cancellation request, especially new card is to be sent to a different address. He just verified my email address on-file without answering that question. I'm filing security complaint against Fidelity Visa for lack of security procedure to protect their customer. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-11
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I have been approved from XXXX for mortgage payments. They advises they have sent XXXX and XXXX payment to my mortgage company and US BANK states they haven't received. I am approaching 71 days in default and no one can find these missing payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32277
Submitted Via: Web
Date Sent: 2023-01-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I had a business checking account with US bank NA. On XX/XX/XXXX, I deposited a check of : {$260000.00}. On XX/XX/XXXX, I deposited another check of : {$26000.00}. On XX/XX/XXXX, I deposited another check of : {$360000.00}, the check of the {$360000.00} was returned as irregular signature because the issuer and signer of the check had XXXX XXXX XXXX XXXX XXXX which caused her signature to not be accurate. I have spoken to US bank severally about this and even the issuer of the check has spoken to them. The check of {$260000.00} and {$26000.00} cleared respectively but because the check of the {$360000.00} was returned, US bank decided to close my account. I was told the account would be closed by XX/XX/XXXX and a check would be mailed to me for the balance of the checks that cleared. XXXX XXXX, my business checking account was closed but the balance on my account was not mailed. I gave them a call back, I was told they they had instructed a branch manager by the name XXXX XXXX to issue me a check for the balance on the account before it was closed but I was informed the said branch manager was on vacation until XX/XX/XXXX. I went inside of the branch to meet the branch manager XXXX XXXX to inform her about the instructions I had heard from their Customer Compliance Department for her to issue me the check for the balance on my account before it was closed, she confirmed to me that she received the email but she did not have the authorization to issue me the check, I asked her what was going on, she told me their risk department had not released my funds and she hadnt heard from them. I waited for another week hoping to have information, but nothing. I kept calling XXXX XXXX to give me the direct number of the risk department but she said she couldnt and that she would follow up with them and asked me to keep calling her. Every time I call her back, she finds it hard to speak with me and she tells me she hasnt heard anything from the risk department. I asked her, why did you close my account if your review was not over? Now, I cant see my money and none of you is responding to me with information. Up until this moment, I keep calling them and no one seems to know what is going on and no one is answering my calls or questions. I need my money back to continue with my XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91744
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-01-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My name is XXXX XXXX date of birth XXXX address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. My complaint is that elan financial refused to update my social security number on my visa card the card number is XXXX XXXX XXXX XXXX I fax a verification letter from the social security administration and a copy of my social security card along with my ny drivers license. And also mailed this too. And that was to update the social security number to XXXX. But I received a letter asking for the same thing to be sent. All the bank has to do is verify the social security number in their database it will match with my other number that's on my account now XXXX. I do have two social security numbers they can verify the XXXX too it will also come back to me. Reason why I have a second number is because I was in witness protection many years ago. So what I'm asking elan financial to do is please view my documents my social security administration letter that's stamp and card and drivers license and up dated to XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10303
Submitted Via: Web
Date Sent: 2023-01-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A