Date Received: 2022-12-06
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: US BANK Credit Card closed XXXX of my credit cards that I havent been using in the last XXXX years which affected my credit score. I have over XXXX years of credit history, NEVER late on any payments, no XXXX.Maintained perfect XXXX cs for XXXX year. Now all of a sudden it drops to fair. Due to the fact that the bank decided to close my Credit card due to an inactivity and my credit score dropped by XXXX points due to that. XXXX points because US bank auto-closed my account ( not me ). Please help to restore my excellent XXXX credit score as this is unfair. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/22 I deposited 2 XXXX XXXX money orders via the US Bank app. XXXX valued at {$66.00} and the other {$1000.00}. I received 2 emails on XX/XX/22 that both checks were accepted. Looking at my account, both checks were deposited, however {$1000.00} is missing. I called customer service on 2 occasions and was told only a branch manager can help me. I went to the branch in XXXX, Wi to speak with the branch manager who also had no idea why this was happening. After sitting with her while she tried to resolve the issue for over an hour, the only info we were given is the {$1000.00} is being held until XX/XX/22 due to the banks discretion. No more explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53172
Submitted Via: Web
Date Sent: 2022-12-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Much like all Americans I fell into hardship during the pandemic. I lost my husband during this time and there was much emotional damage and financial hardship. I fell behind and ended up in foreclosure. I then hired an attorney to help me try to save my home. My attorney 's office called my lender on XX/XX/XXXX. The lender advised that my loan was modified in XXXX and no COVID forbearance. My attorney 's office asked if my lender had made me aware of my options regarding COVID assistance for my FHA loan. My lender said they don't know if any correspondence was sent out. I am very upset that I may have ended up in foreclosure after losing my husband due only to my lender 's decision not to tell me of programs that would have helped. My attorney 's office also told me that FHA has post COVID assistance that I could have qualified for. I would like to know why my lender withheld information that could have helped me. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33458
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-05
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My car was broken into wallet and credit cards was stolen fraud happened to my account fraud department froze my account so I wasn't able to make payment because I didn't have credit cards and they froze my account so I received 60 day late on credit report l.Since than I have made payments to get back on track. Police reports were made in XXXX and XXXX of 2022 Elan financial credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55428
Submitted Via: Web
Date Sent: 2022-12-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: We paid the XXXX Elan " XXXX XXXX '' bill on time but were still charged a XXXX XXXX. The agent refused to show us where it said we had not paid within some schedule and they only referred to our XXXX XXXX -- they agreed that our payment was in line with what the bill/statement said. The statements says by XXXXXXXX XXXX and we paid it before my e-mail of the payment confirmation notice dated XXXX XXXX -- at least XXXX minutes before their stated payment deadline. There is no excuse for charging us a XXXX XXXX! This sort of petty corruption by credit card companies must not be tolerated! Please Help. The Elan card company address is XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, MO XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Elan financial Service had been running my credit on different credit buraus without my consent. I applied on a credit card with them, and they ran my credit report on XX/XX/XXXX Since then, I see my credit report is being run by them every now and then and on various credit buraus, like on XX/XX/XXXX they ran my report on XXXX, then on XX/XX/XXXX without me applying on anything with them then again, they ran my report today XX/XX/XXXX which is a XXXX??? They ran my report on XXXX. I had XXXX phone calls today with them, one call with customer service and they told me that they do not know and advised me to call Credit services. I called the credit service department in Elan Financial and talked to XXXX who put me on hold for XXXX minutes and finally, told me they have nothing to do with and I have to contact the credit burau directly. Called XXXX and as per XXXX I have to get an FTC report from you, and forward to them by mail so they can take an action. Please help. I did not authorize these people of Elan Financial to keep running my credit except once on XX/XX/XXXX. all the times they ran my credit recently during XXXX were unauthorized and without me knowing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07002
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-03
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: Someone tried to apply for a credit card using my name as fraud. I never tried applying and I want this investigated. Credit is frozen so application was denied. I want this investigated to find out who is trying to fraudulently apply l.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2022-12-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-04
Issue: Trouble during payment process
Subissue:
Consumer Complaint: Twice we requested modifications and were told that we were eligible. We were then instructed, both times, to discontinue payments while the request was being processed. Then at some point, each time, we were told that we had missed multiple payments and had defaulted on our loan and were in jeopardy of losing our home. Twice, we had to fight to keep and maintain our loan ; then twice we were penalized {$15000.00} ; and eventually the modifications were granted. After, purchasing the home in 2007, we currently owe more now than when we originally purchased the house. Even during COVID, we accepted their assistance to stop payments for XXXX months ... they did the exact same thing saying that we were in jeopardy of default! We promptly removed money from our XXXX and paid the past due amount. We explicitly follow their directives and are severely penalized for it. I have complained multiple times, but to no avail. It's a scam! It's an offense that borders on racketeering and other criminal actions. I have been fighting to have those penalties and all associated costs ( taxes, interest, etc. ) removed. We have lived in our home since 2007 and we owe {$20000.00} more than our purchase price. CRIMINAL! Please, help. Any assistance you can provide will be greatly appreciated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32909
Submitted Via: Web
Date Sent: 2022-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/XXXX I went to US Bank in XXXX XXXX Wisconsin to open up a checking account. I would like to make a note that this was the second time I went into this bank to discuss opening up a checking account and was told that I would get a {$250.00} credit when I deposited my check and I would have to wait until XX/XX/XXXX to receive one portion of my check and then on XX/XX/XXXX I would be able to have access to the rest of my check that I deposited. On XX/XX/XXXX I was also told the same thing when I went in there to get information on opening an account there were also some concerns about an old phone number being attached to my account that they said that belong to me so the first day when I went in there to open the account and I got to the point where they told me that this phone number could not be removed off of my account and I needed to wait I felt that that was a security concern and stop the process. I then called the main branch and asked if that number was removed off of my name so I can go in and open an account and I was told that it was. I also had some concerns about another card being attached to my account that was supposed to be removed on XX/XX/XXXX. While I was in the bank we called the XXXX bank card that is from US Bank while I was setting up the account with a banker and I was told that the card was removed off of my account. After opening the account I was able to withdraw {$20.00} from the ATM immediately out of the XXXX that was available to me and I do have receipts and documentation to prove that these were the amounts that were available to me after opening the checking account so I can deposit my check. When I got home later on that night I went online to check my account and I noticed I was - {$20.00} so I called up the US Bank after hours Help number and I was hung up on twice and told numerous different things. I was told that I was not entitled to any money at all and I had to wait 13 days to get anything from my account that I deposited. I was also told that a fraud alert was put on my account and I had to wait longer so they could verify the check that came from my lawyer. Nobody gave me a heads up about this and I even got a letterhead stating my account information and how much money that I had on the account and I had access to {$220.00} immediately. Now Im sitting here on ease when they knew I was struggling with opening this account in the first place I got no notification about having a negative balance of {$20.00} And already my first experience has been negative because I was hung up on several times. I believe they should let their customers know if there is a possibility that they cant receive their {$220.00} due to some technical difficulties that could happen which is not stated in their handbook. I have XXXX XXXX XXXX going on and it is the middle of the winter I am in between moving and my car is running very badly and will not go past XXXX miles an hour and I can not access my money at all now until the XXXX according to the lady after hours. This is very disappointing and upsetting because Ive had horrible experiences with banks for the past week and they were very well aware of this. Also I was rushed out and told that they were going to call security for no reason and I also said that I was going to call the police if they didnt set this account up correctly then they got nervous and started doing their job a little better they provide me a very little paperwork and very little information when I set up this account as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-12-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Just found out I have been ripped off for the last 5 years by US Bank. I have been paying a monthly fee ( XXXX ) that was not necessary and the only response I have gotten from the bank is " you should have read the fine print ''. I even got the answer from one service member that " all banks have to charge fees '' and then a minute later, " we would have waived the fee if you had brought it to our attention '' I asked who is in charge of Customer Service at the bank and was told that they would not release that information. That makes no sense. I talked to 5 different customer service people including bank managers. The first one was wonderful and told me how I might be able to resolve my issue, everyone else awful. The last person was from the Ethics Department who basically said " you should have read the fine print and It's not our job to review your account. I do understand this, but over the years I have sat down with my bankers and have gone over my account and the fee issue was never brought up. This is not the ethical company that they present themselves to be.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55443
Submitted Via: Web
Date Sent: 2022-12-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A