Date Received: 2022-11-16
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I opened a Fidelity credit card which is controlled by Elan Financial Credit Card Services. They offered me a promotion of bonus points if I met a certain spending threshold in the first 90 days. I met the threshold and had {$180.00} worth of points, but they deposited the money in an account that wasnt mine. When I contacted them about the issue they never fixed it. They also retaliated by closing my account. They still have yet to provide me a written reason why they closed my credit card account and never provided me a method to repay my balance. This doesnt seem like a legal practice. Elan had somebody named XXXX ( XXXX ) XXXX call me and she stated she would resolve the matter. She never did and will not respond to any phone correspondence since the initial call. They continue to say they will resolve these issues but no action is taken. Also nobody from their company will respond to my calls or emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08043
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I identified 8 transactions to go into US Banks Promotional Feature XXXX Shown below are the date the transactions were posted, the amount of each transaction, the date the transaction was paid by me followed by the XXXX Credit and Debit dates to my account of these 8 transactions. Trans Date Amount Date Paid by XXXX XXXX XXXX XXXX XXXXXXXX XX/XX/2022 {$1900.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$500.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$250.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$3000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$290.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$1000.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$420.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 {$2400.00} XX/XX/2022 XX/XX/2022 XX/XX/2022 I submitted a complaint to US Bank on XX/XX/2022 regarding their XXXX program promotional feature. I contend that the transactions in the XXXX program have already been paid for once by me and once by them. Now I believe I am paying for those charges a second time having those amounts transferred into XXXX. US Bank has not adequately explained the details of why this is not so. They fail to itemize each and every time the identified transactions have been been charged ( debited ) or paid ( credited ) by myself as well as by them. While they point out THEY credited my account for those transactions in the XX/XX/2022 XXXX they fail to claim the debit THEY put in for those same transactions. By the time the XX/XX/2022 statement was issued, all but 2 of the identified transactions had already been paid in full by me and those 2 remaining transactions from the XX/XX/2022 statement were paid on XX/XX/2022. My statements support this, no past due balances have been carried forward. Each statement was paid in full by its due date. So, I paid them all off via paying each statement in full in a timely manner, In XXXX US Bank issued a credit for them that was basically cancelled out by the debit they issued and still there is an XXXX balance shown. I feel I am now paying a second time for those transactions reflected in XXXX. US Bank replied XX/XX/2022 with a letter and a copy of my XXXX Statement. Their explanation is confusing. My principle balance as of what date? I repeat, I always pay my balance due in full and do not carry any interest bearing balance forward. They do not adequately detail each and every item or change to the XXXX balance. I can only go by what I see on my monthly statements and it does not include much for the XXXX program. It just does not add up to me.
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: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: U.S Bank refused to provide me credits for fraudulent charges on my account from XXXX XXXX. They said that they could not help me because I did not report the fraud within 60 days of when it happened, but that is a lie because there were also fraudulent charges on my account from XXXX that occurred more than 60 days ago that I did get reimbursed for. The dates of the fraudulent charges from XXXX were as follows : XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Plus, they said that provisional credits of {$13000.00} should have been put into my account regardless within 10 days from XX/XX/XXXX, and they did not. They have lied to me and failed to protect me against fraud. The charges from XXXX were just as much fraudulent as the charges from XXXX and it does not make any sense as to why they gave that money back but not the money from XXXX. They are breaking the law.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 65807
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: I deposited at {$2500.00} convenience check on the XXXX and then they lowered my credit limit from {$14000.00} to XXXX on the XXXXXXXX XXXX when they did that of course they kicked it back as insufficient funds after 5 days and I had already spent half of it. So I haven't bounced stuff going everywhere and I'm overdrawn about {$3000.00} they won't raise it back up they won't cover the check even though I I'm in good standing with them I'm making payments and doing everything I should be doing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77803
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I have been on workers comp payments since XXXX XXXX and I have bank account with us bank relia card witch was set up by the state workers comp. My complaint is I am supposed to received two monthly payments on the XXXX of month and on or around the XXXX and it supposed to be loaded on my card by XXXX XXXX XXXX I check my account and the money is never in my account by the time supposed to be I contact my claim specialist at works comp they inform me that the money has been sent to the bank and it show that the bank has received my funds but when I contact the bank they say they don't the funds. My complaint is us bank relia card is hold funds that they are not allowed to hold some time it takes up 3 to 4 hours before they release the funds. Today XX/XX/XXXX my workers comp specialist informed me today has XXXX people contacting her that the funds have been held
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59101
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-15
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I keep getting both XXXX and XXXX weekly from USBank saying that XXXX XXXX tried to charge my account and it was declined. I have never had a XXXX XXXXt, and USBANK was the ones who illegally and unethically terminated my Bank Account XXXX years ago because my wife followed their directions to the letter causing my credit to tank, and almost starving us to death, which made the pandemic a living XXXX for us, of which we have yet to recover and in fact are now going to need to declare bankruptcy. Ive told USBANK this is fraud XXXX times with out responses. Not surprising because of their horrible ethics.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94070
Submitted Via: Web
Date Sent: 2022-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-16
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I had lost everything in hurricane Irma. I would normally have been in Florida but due to health I was still in XXXX XXXX. I had made the decision to become a full time Florida resident so I closed my accounts up here. Because I was going to be in Florida within a matter of days I decided to open a new account in Florida. I'm retired so the account was going to be just for my social security. After the hurricane I stopped receiving any mail from Florida. My home in Florida is gone. It will be years before I can return. So I reached out to social security. Because I hadn't opened a new checking account social security suggested I open a local account. They need a few weeks to process a new direct deposit and said my direct deposit would be sent to my recently closed account but that bank would send the deposit back to social security and they would then send it to my new account. So I go to the us bank on XXXX XXXX XXXX XXXX XXXX and open a checking account. All goes well but the woman clerk tells me I need to bring in an official us mail so they can verify my address. Never heard of that before and I had been clear in that I have no mail. I used my dad 's address in stetting up the account so she said at some point thet I'd need to bring something in. I told her that social security was sending some forms and I'd bring them in. This morning, XX/XX/XXXX, I called to see if my social security check was deposited. I was shocked when they informed me that my account was suspended because apparently I had two days to bring in some mail. I spent the entire on the phone with 8 us bank employees and got the same story. They even said it was mentioned by the woman in my application. Now here is where it gets really odd. The first woman I talked too then mentions I had opened another checking account this morning. I was shocked and she couldn't explain anything about the account. Now I opened my account one week ago, I received two letters ( by the way they would not accept their mailing as official ) one was my new pin the other my debit card but I didn't open them till today. So after spending all day on the phone with them. No one could explain this new account. Finally one person said I had must have been hacked and it was my responsibility to resolve this with their fraud dept. Did some research and it turns out us bank had been fined XXXX XXXX for taking client data and opening account with out customers concent. I believe they are still doing it. In closing I finally gave up. The last person I spoke with I told him I would go to the branch tomorrow and close the account. The response,, because my account was suspended I could not close it until I brought in an official mailing address to me..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2022-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK, has violated my rights. 15 USC 1681 Section 602 States I have the right to privacy. 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for k purpose.
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: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
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: XX/XX/XXXXreservation helpdesk agreed to refund missing reservation with XXXX XXXX in XXXX VA on XX/XX/XXXX. The refund was approved and processed by XXXX on XX/XX/XXXX for {$72.00}. ( Refund/reservation # XXXX ) On XX/XX/XXXX contacted XXXX to check on the refund status.XX/XX/XXXXsend an email confirming refund was processed on XX/XX/XXXX and I needed to check with Fidelity Investments Credit Card for assistance. on XX/XX/XXXX, Called Fidelity Cardmember Services to open an dispute for the XXXX missing refund. Called for status on on the following dates ; XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and provided detailed account of the refund. On XX/XX/XXXX, customer rep with Fidelity Cardmember Service was able to locate the missing refund and stated that he didn't know why refund was not posted to my account on XX/XX/XXXX. He stated someone will follow up the following workday. XX/XX/XXXX, Different rep stated other XXXX was not telling the truth and she didn't see a refund. I ask for a name of the XX/XX/XXXX rep I spoke to and she was unwilling to give the name. I asked for someone else to review the refud and she refused. XX/XX/XXXX, contacted Fidelity main customer service to open a complaint case against the creditcard services. XX/XX/XXXX, Fidelity closed the case without resolving the refund
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75035
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-14
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX, I received a call from my bank or someone spoofing the number of my bank. They called me 2 times before I answered. On this call the person claimed that someone had made a large XXXX transaction from both my checking and savings account, and in order to fix the problem I would need to resend a XXXX to have it marked at XXXX. I completed this and in the end they took {$2500.00} combined from my savings and checking accounts. I immediately called the US BANK fraud line to report the issue as it felt off to me. They asked no follow up questions and notified me it would take about 10 business days to conclude the investigation. At this point I had a total of {$30.00} to my name in both my checking and savings accounts. US BANK told me if it took longer than 10 business days, they would provide a credit to my account to help with outstanding bills. This never happened. Luckily I had family who could help me in this situation as I had a renovation payment due that day. On XX/XX/XXXX - my XXXX and XXXX accounts had suspicious logins I called back to US BANK on XX/XX/XXXX and throughout the coming weeks for updates. No updates were given and when asked about the credit to my account they said that was not going to happen and if it did, do not use the money as they can revoke it at any time and put me into overdraft. On XX/XX/XXXX, I was notified that a new Bank XXXX XXXX card was opened in my name. I called Bank XXXX XXXX to close this out and notify them of fraud, and froze both my credit reports. On XX/XX/XXXX, I received 2 letters from US BANK notifying me that the claim had been denied citing " During our investigation, we determined the transaction posted as requested ; therefore, your claim has been denied. '' They told me to call the XXXX XXXX banking line to ask for the documentation used in the investigation. On XX/XX/XXXX, I called and requested that documentation as well as went into a US BANK branch to discuss the situation. I was told by XXXX at US BANK that there was nothing more they could do unless I provided more documentation. He did not specify what type of documentation or provide really any guidance at all. Following this in-person conversation, I called the fraud line at US Bank again to get some more guidance. She told me that these cases with XXXX rarely get approved due to it showing " the transaction posted as requested. '' From this call, it was clear there was nothing else I could do to get my money back. On XX/XX/XXXX, I was notified yet another credit card was fraudulently opened in my name. I called XXXX to report the fraud and close out the account. On XX/XX/XXXX, I was sending a XXXX payment and there was a pop-up on my screen prior to sending notifying me that " Keep your Money Safe, be sure this isn't a fraud. US BANK will never ask you to send money to anyone, including yourself. Scammers might ask you : Send more money to finalize payment, Share a login verification code, or Upgrade an account to receive money '' I had never seen this notice prior to me bringing this fraud to US BANK 's attention. They have been promoting XXXX on their app for as long as it has been in services ( 2017 ) On XX/XX/XXXX, I received a letter confirming the credit cards open fraudulently in my name had been closed and the credit companies had been notified to take it off my account. **Please do not share attachments in your published article. **
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60614
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A