Date Received: 2022-11-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX, US Bank Collections Department illegally ( without a Court Order ) and without my consent debited my personal checking account ending in XXXX, in the amount of {$2000.00} ; for an outstanding collection balance due from a non-related commercial business account ( Midwest XXXX XXXX ) that I was linked to as a registered agent from XXXX, account ending in XXXX and that the they said had been written-off in XXXX. I was merely a registered agent of the incorporated business from XXXX and am not financially liable for any debts owed by that company under the laws of State of Illinois and United States of America . I contacted US Bank Collections on XX/XX/XXXX, via phone and spoke to Supervisor XXXX within the US Bank Collections Department. I explained that I was not associated with the business entity anymore, that I had never received any prior notice about the debt and that they had made a mistake by illegally seizing the funds from my personal checking account without a Court Order. I asked them twice to return the funds to my personal account as it had caused me severe financial harm and I was unable to support my living ( couldn't afford food, medical or basics ). He informed me that I did not meet the hardship guidelines set by the bank and that they would not return the funds. On XXXX, XXXX, XXXX, I submitted a complaint to the CFPB regarding this matter. Complaint # XXXX. On XX/XX/XXXX, US Bank replied to the complaint and blatantly admitted that they intentionally violated FDCPA ( Federal Law ) by illegally seizing funds held by a registered agent of a Corporation ( not funds of the Corporation ), without written notice as required under Section 27 of their terms set forth within the agreement they provided. The company also did not provide proof of evidence of an original signed and executed Agreement, between the Parties, showing that they had any right to collect the debt for which they claimed they were owed. The company is clear violation of various State Statues and Federal Acts, and all information received will be forwarded to the appropriate State Attorney General and United States Attorney Generals ' Office for review. I am asking that is matter be re-opened an an investigation be completed, based on the new information provided by the Respondent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: I went through online, on phone, and in person visits to open a business checking account, and funding via a paper form process. Over the last several months, I can't get any access to my account other than passively viewing online : no ability to transfer money in or out, no way to updates settings or information online, no debit card. I have spoke with customer support online, on the phone, a customer survey support person, tellers in person, and business account managers in person. Each one says they can't fix the problem, and say to contact someone else. Now I am receiving service charges and sales tax fees on my account that I have no access to. There are reported names and addresses on the account that I didn't approve and seem to be fraudulent. Again, no one on the support teams can provide help, credit the wrong charges, or solve any issues while I still don't have access to my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80207
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-18
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: At time of contract I provided my credit card information to XXXX - Today. The work was not XXXX like, had severe deficits, such as extemen lippage and poor grouting. With out my knowledge the merchant submitted my bill for payment to Elan Financial Services. I contacted Elan, DBA : Fidelity Credit Card Services, and explained that the wor of tile installation was unsatisfactory and the signature and data contained on a Walkthrough Inspection was not mine. I was asked to provide competent evidence that the work was sub-standard and an extimate to correct the deficiencies. Indivudual tile inspectors are oin short scupply and the demand for inspections by subject matter experts is high. Factoring in the nation general labor shortage, it took over two + months to secure an assessment if defects by a board certified tile inspector and a competent contractor 's estimate to correct the defective installation. But although I was fully in compliance with the Fair Credit Billing Act ( FCBA ), my claim to deny payment to the merchant was denied. It was alleged that Elan Protocols on timeliness trump FCBA. As by Elan 's timeliness standards I was late and nothing could be done to approve my dispute
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: Hello. I recently tried to use a {$100.00} visa gift card issued by U.S. Bank National Association. The card was declined so I checked the website on the back of the card and saw that there was a {$100.00} transaction with XXXX on XX/XX/XXXX. This did not make sense to me because I had never used the card. I double checked my XXXX account and confirmed that there were no transactions using the gift card on my XXXX account. I then called the gift card customer service number on the back of the card. They asked for proof of receipt for the card in order to help me. I explained that I got the card as a gift and did not have the receipt. I also explained that I got quite a few gift cards for my baby shower and did not know who gave the gift card to me. They then said the card was registered in someone elses name and continued to say they could not help me unless I had a receipt. There request and refusal to help didnt make sense to me. I then called XXXX customer service to see if they could help me. I provided them the gift card number but they were not able to look up the purchase that way. The XXXX representative asked me for the transaction number so I went back into the gift card website to retrieve the information but I was now no longer able to access the gift card website that I had access to just a few minutes earlier. So I then called the gift card customer service number back and explained the discussion I had with XXXX and that I no longer had access to the website with the transaction information. They then explained that I could no longer have access to the transaction information unless I provided proof of receipt. This led to a repeat of the previous conversation and them not helping me. I am now suspicious that they are scamming me. Not only did they not help but they then took away information ( XXXX transaction number ) that may have allowed me to get it resolved through XXXX. I now have no options. Can you please help me get a new {$100.00} gift card. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92109
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: My account was pending closure with US BANK so I went into a branch they didnt explain why and told me they could not help me afterwards they ( the branch ) closed my account and before they did they withdrawed money from it illegally
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX from the XXXX XXXX Department within Elan Financial Services " If you believe you were a victim of identity theft that resulted in the inquiry and there is additional documentation, such as a copy of a police report, or a fraud or identity theft affidavit, please contact us at XXXX ( we accept relay calls ) ... '' When the number was called, options beyond faxing or printing ( not personally available to the consumer ) were not available. As such, the identity theft documentation is attached. The context is as follows : There is a new inquiry from ELAN FINANCIAL on XX/XX/2022. The one on XX/XX/2022 was authorized and resulted in an account opening. The one from XX/XX/2022 is unauthorized and was unlawfully performed. ELAN FINANCIAL Location XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone XXXX XXXX XXXX XXXXXXXX I received a letter in the mail dated XX/XX/2022, with a reference ID of XXXX indicating Elan Financial Services pulled my credit report ( on XX/XX/2022 ) without being able to verify my identity, that is, without my explicit permission nor having any other permissible purpose to do so. A copy of an example of a recent illegitimate hard inquiry performed by Elan Financial ( on XX/XX/2022 ) is attached for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20009
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: To whom it may concern, I have tried to close my account with US Bank for a week now. The US bank customer service representative said all pending transactions needed to be cleared before I closed my account. So, the representative deleted my debit card associated with the account on Wednesday XX/XX/22. On Friday XX/XX/22 I spoke with a different representative who said I could now close my account. I sent their email address a handwritten letter and included a ticket number which is XXXX. I included all of the information that was asked of me and requested by US Bank. On Wednesday XX/XX/22, I received a notification from US Bank that my balance was negative in the account I requested to close. To my surprise the account was not closed. I called the US bank customer service line and to my surprise they are now saying I need a notarized letter. I did not receive any communications from US bank between XX/XX/22 and XX/XX/22 notifying me that I needed a notarized letter. US bank did not communicate this requirement to me on XX/XX/22 over the phone. I feel as though US bank is not allowing me to close my account. Additionally they charged me a {$4.00} analysis account fee on XX/XX/22 which I did not consent to nor was I notified that I would have to pay this fee to close my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 907XX
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: In XXXX and XXXX there were incomplete XXXX XXXX bankruptcies filed on my behalf that never went to court because of the erroneous filing. After this my mortgage company US Bank stopped reporting my mortgage payment. The XXXX XXXX were erroneous filing and that should not affect the reporting of an account that has a 30 year term. In XXXX XXXXXXXX, the liability on the mortgage is an exception. Heres the part of the Bankruptcy Code that excludes long term debt like mortgage. Section 1328 says, ( a ) the court shall grant the debtor a discharge of all debts provided for by the plan, except any debt ( 1 ) provided for under section 1322 ( b ) ( 5 ) ; Section 1322 ( b ), defining the debts excepted from the discharge, says ( b ) Subject to subsections ( a ) and ( c ) of this section, the plan may ( 5 ) provide for the curing of any default within a reasonable time and maintenance of payments while the case is pending on any unsecured claim or secured claim on which the last payment is due after the date on which the final payment under the plan is due.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33619
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: My original complaint included two pre-paid XXXX gift cards. I filed a complaint with the CFPB, complaint number XXXX. I was contacted by US Bank prepaid services at the end of XX/XX/XXXX regarding the two pre-paid XXXX gift cards. The first complaint was completed and they sent me a new gift card based on their review, the second gift card required further information, so I sent them the additional information via their email provided and they informed me that it would take additional steps to complete their investigation. In the meantime the CFPB closed the original complaint and now US Bank prepaid department will not respond to my phone calls or emails regarding the second pre-paid XXXX gift card. This is in reference to the {$100.00} pre-paid gift card with card number XXXX XXXX XXXX XXXX. I sent via email the representative XXXX who was assigned to my file the pictures of the original gift card and my government issued drivers license for them to re-register the card to me as it was assigned to another name and address. I would like US Bank to finalize their investigation on the second pre-paid gift card as I believe it has fallen through the cracks on their side and I have attempted to email and call to follow up with out any response. My original complaint for the pre-paid gift cards can be found below. We received two pre-paid XXXX debit cards for XXXX XXXX and both of them have no money on them. These prepaid XXXX debit cards reference the XXXX Each instance is outlined below for each card we received that we suspect fraud/theft on. Card number XXXX XXXX XXXX XXXX I opened the packaging for this card on XX/XX/XXXX and went to XXXX to see the balance of the card as this was the first time I was going to use it. The card balance was a {$1.00} which seemed odd for a balance of a card never used. I then went to the balance inquiry for the month of XX/XX/XXXX and it showed the card being loaded in XXXX NC XXXX on XX/XX/XXXX for {$150.00}. My wife 's sister lives in XXXX NC so this transaction makes sense. We live in XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, OR XXXX. Then the transaction history shows a purchase of {$140.00} in XXXX XXXX CA XXXX which is a place I have never heard of or have been too. The transaction happened for a purchase at XXXX. This is clearly a scam in terms of hackers and we never received the benefit of the {$150.00} gift card. Card number XXXX XXXX XXXX XXXX I opened this card a month ago in XX/XX/XXXX and tried to use it in the store. This card was a {$100.00} prepaid XXXX XXXX XXXXd. I have tried the card several times and tried to see the card balance on XXXX as instructed by the sticker on the card. I enter the card number to log in to their website and the website won't recognize the card. The card does not work and may have never worked as i suspect the card number was stolen during the holiday season of XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97206
Submitted Via: Web
Date Sent: 2022-12-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-17
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Dear Administrator, Today ( XX/XX/2022 ) I try to open an checking account in usbank followed the following page : XXXXXXXX XXXX XXXXXXXX # XXXX After I filled and submit all personal sensitive information, then application is denied. Application ID : XXXX I called the customer service, asked why my application is denied, I was told because I live in XXXX XXXX, no branch in XXXX XXXX. Why they don't tell customer this offer just for people living in some area? I called the bank again, request talked to their supervisor, the supervisor said sorry, will ask programmer make change. It's unfair, they already knew the " offer '' is limit, why they don't tell customer at the beginning? It's cheating! Absolutely cheating! They want to collect person 's information, so they put a fake advertisement. Any help for protection customer is greatly appreciated! XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08816
Submitted Via: Web
Date Sent: 2022-11-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A