Date Received: 2024-01-23
Issue: Communication tactics
Subissue: Used obscene, profane, or other abusive language
Consumer Complaint: I received calls at XXXX threatening my financial future using profanity and unfair unethical demands. Come to find out, all debts are already paid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 974XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Cardmember Service Elan Financial Services XXXX XXXX XXXX XXXX, NJ XXXX Dear sir, I have received a letter written on XX/XX/XXXX of XXXX along with a form to fill in. I would like to answer the questions, which your company asked. My name is XXXX XXXX addressed XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX. The cell phone number is XXXX. I believe what you tried to indicate consumer report should be credit report of XXXX ; therefore, I copy the pages with my name and your company name from entire credit report, since I believe it is safe not to give all pages in my case, when I have the fraud alert. You asked me why I would like to remove your company inquire from the list of my credit report. I am not sure why you indicate I want you to remove your company name from the soft inquires, since it just meant for the promotional purpose ; however, since I have never be interested in to acquire any more credit card now and in the past, I just prefer you would remove from all credit card reports, which I mean XXXX, XXXX, XXXX, and XXXX, if they have your company name in the list of soft inquires. I can state so because I never applied to the credit of Valley XXXXXXXX XXXX I used to have a business account in the name of the XXXX XXXX ; however, due to the influence of the Pandemic, I have decided to stop using the business account, even though I still own this small business as a sole proprietor and changed the business bank account into my personal name account. Still, I do not have any credit cards related with Valley XXXXXXXX XXXX. If you still have the question, please contact me again. Again, I clearly states I never own the credit cards from your company and any companies related to Valley XXXX XXXX
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: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I entered a COVID-19 hardship payment agreement with Elan Financial Services , requiring XXXX XXXX monthly payments for 60 months. Despite making my first payment on the same day, XXXX reports showed the account as " closed '' on XX/XX/XXXX, with a last payment date of XX/XX/XXXX. Elan Financial Services refused to discuss or fix this error. By XX/XX/XXXX, my XXXX report showed the account as delinquent as of XX/XX/XXXX and " charged off. '' These inaccurate reports have severely harmed my credit score, will increase the interest rates for my XXXX XXXX college loans, and will limit my ability to rent an apartment or qualify for other personal loans.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 017XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank is not honoring the Cares Act Credit Reporting requirements. I have a XXXX XXXX hardship and I am in a loan modification program with US Bank for XXXX mortgages ( and another 1 is still in forbearance ). US Bank is not honoring the Cares Act neutral credit reporting requirements in violation of Federal law. US Bank believes that once the initial forbearance period is completed, it can report delinquent information even when I am still in the load modification process and have been making payments pursuant to that process. A consumer class action should be brought against US Bank on behalf of consumers like me. US Bank is not above the law and should be penalized for not complying with the CARES Act and damaging consumers credit with bona fide XXXX XXXX hardships.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90035
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: US Bank charged my account an overdraft fee when I had a positive account. I had money in my account on XX/XX/XXXXXX/XX/year>, and US Bank charged me an Overdraft fee that made my account negative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55123
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I sent via electronic transfer {$100000.00} to US Bank, XXXX : XXXX on XX/XX/XXXX. US Bank created the XXXX # XXXX on XX/XX/XXXX that would come due on XX/XX/XXXX. On XX/XX/XXXX I contacted US Bank with instructions to redeem the CD plus interest earned. Since I had opened the account with electronic transfer, I requested my funds due to me via the same method. US Bank advised me that they would only send a Bank Check via the postal mail to my home. I checked several times with US Bank as to the whereabouts of the check and they noted that they mailed in on XX/XX/XXXX, some 8 days later! The check finally arrived on XX/XX/XXXX with no additional interest.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08081
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: XX/XX/2024 : Contacted Kroger CardHolder Services because the prepaid Visa card that I purchased ( issued by US Bank National Association ) did not have a legible CVV security code. This made it impossible to use the card for purchase online. Similarly, the card does not scan, so it can not be used in stores, either. The customer service representative explained that I must submit a refund through the online portal ( XXXX XXXX XXXX ), however, this was not possible as I did not have a legible CVV on the card. Instead, I was instructed to fax information to Kroger CardHolder Services, which I did later this same day. XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. It had not been received. I opted to send the fax over again on this day. XX/XX/2024 : Contacted Kroger CardHolder Services to see if the faxed information had been received. This time, it had been received, however, the Kroger CardHolder Services ( on behalf of US Bank National Association ) representative instructed me that one of the items on the fax was not legible. I sent a copy of the information to myself when I faxed it, and verified that everything was clearly legible. At this time, I was told to send another fax with custom settings ( I was specifically instructed to " enlighten '' the image 200 % ). At this point, I felt compelled to submit a complaint with the CFPB, as Kroger CardHolder Services does not seem to be making a good faith effort on behalf of US Bank National Association to refund the product which : 1. Did not have a CVV and could not be used online 2. Did not scan, and could not be used in stores 3. Could not be refunded through the web portal due to lack of CVV 4. Could not be refunded through faxed information due to customized image settings At this point, I don't expect I'll receive a refund or get an opportunity to spend the money that is still credited to this useless card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Ive been a checking/savings customer with USBank for more than 20 years and ALWAYS had a savings account. It was a no minimum account with some funds in it. I wont lie just before COVID I had one of a very few overdrafts that the bank decided to take the funds from my savings. This over draft did not exceed XXXX hours. Since I didnt agree to have them take from my savings I asked for them to transfer the money back. They refused and closed my savings account. Since Ive re-applied twice without success. The practices of banks are sinister. I only make XXXX a year with no way to save a few dollars at the bank I have my money with for convenience. Im so angry and perplexed that banks can literally stop you from saving money! How is this a free country?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: Credit card by US Bank Kroger Mastercard was opened and items added up to {$20000.00}. The person closed the account and opened up multiple accounts even after I called and said these charges were fraudulent. US Bank said a second card was opened and had additional charges of {$20000.00}. So, in total per US Bank it was a total of {$40000.00} between the 2 cards. Also, My personal bank at XXXX XXXX XXXX was attacked and they attempted to get money from my personal checking account. The person was XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX. Cell number from XXXX XXXX, ( XXXX ) XXXX. I received some information on the charges and I was promised all the information and I signed a sheet saying the items were not charged by me. I received letters from XXXX and XXXX, XXXX XXXX XXXX, Ext XXXX and Ext XXXX. I talked to XXXX several times and promised all the information and I still have not received all the charge information I need additional information to file a police report so this can be complete on my credit reports and also to see if charges can be filed. This has been a long process and US Bank was helpful at first but I can not get all the information that is needed now.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 306XX
Submitted Via: Web
Date Sent: 2024-01-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-22
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: I had accounts with XXXX, XXXX, AND US BANK. They just closed my accounts because I asked for larger amounts to deposit into investments elsewhere than the banks. They had suspicious reactions that I was being scam or otherwise. I am not involved in anything. I was suspended and found out just by trying to use my debit card. I had over {$170000.00} in my bank accounts from a home sale left over after investing {$150000.00}. I felt like I was treated like a criminal. I am a responsible XXXX who has never been in trouble before. They did give me my money back in a cashier 's check. I just want the government out of my business affairs. Please file charges on all three banks with the SEC and FDIC. Besides filing charges against all the banks for me. XXXX, early 2023. XXXX in XX/XX/2023. US BANK, XX/XX/2023 I was put on XXXX reporting. Please sue all. I had the hardest time finding a new bank. Cordially, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2024-01-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A