Date Received: 2022-11-13
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: On XX/XX/2022, multiple fraudulent charges were made on my XXXX XXXX XXXX account charged to my XXXX XXXX XXXX XXXX credit card, which is managed by Elan Financial Services. Elan contacted me and I identified the charges as fraudulent. All but XXXX of the charges were reversed before posting to my statement, but XXXX {$74.00} charge was posted and Elan gave me a {$74.00} provisional credit. Almost XXXX months later, I received a letter telling me they are revoking the {$74.00} provisional credit and closing the claim case, as their investigation concluded it must have been me who made the purchase. I contacted Elan cardmember services, and was told no one could have made that purchase without physically having my card ( then why did the other XXXX charges get reversed, wouldn't those have been supposedly legitimate too? ). They also said I had received value for the purchase ( the digital copy of the videogame in question ) so they must charge me. In early XXXX, I then contacted XXXX to inquire about this. They verified that my account had been compromised, and that the fraudulently purchased digital videogame has been removed from my account. They also said that the purchase could have been made with a saved card on my XXXX account, no need to have the card in hand. In early XXXX, I informed Elan cardmember services ( fraud department ) of all this. In light of this information, and more information that was already in the case file and had been overlooked by the investigators ( I was told the purchase originated from a foreign IP address, and was made under an email address that clearly didn't belong to me ), the representative requested a re-opening of the claim, and said I would be called back by the investigators. I was never called back. XXXX : I contacted Elan cardmember services ( fraud department ) again. I was promised a call back from the investigators again, which I never received. XXXX : I contacted Elan cardmember services ( fraud department ) a XXXX time, and verified they had the right phone number for me. I was again promised a call back from the investigators, and never received it. XXXX : I contacted Elan a XXXX time, demanded to speak to the investigators about my case now, since the call back was not happening. I was informed that was impossible, as the cardmember services supervisor did not have a phone number for the investigators, and the only thing they could do is request that they call me back. I once again did not receive a call. I have not taken any action since then, as I wasn't sure who to contact until now. It was clear that contacting Elan again was a fruitless effort. That is why I decided to file this complaint once I was made aware of this process. Elan has failed to remedy my issue and return my money, even when there is more than sufficient evidence to suggest the charge was fraudulent, as believed from the very beginning. I have spent likely a dozen hours over a span of 4 months trying to make them resolve a very simple issue that other credit card companies handle in a way that is painless for the customer, and it still remains unresolved. -I have attached screenshots of my conversation with a XXXX representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21771
Submitted Via: Web
Date Sent: 2022-11-14
Company Response to Consumer: Closed with monetary relief
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, this creditor has violated my rights. Under 15USC1681 section 602 states I have the right to privacy. 15usc1681604A Section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15usc1666B a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 221XX
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: 2022-11-12
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I got 2 {$25.00} dollar Gift cards I have tried to use these cards at several stores and online and every time the card would come back as declined. I called the customer service and they told me to go to the stores I used the card at and have them take the card information out of the system and try again. The latest date is today I tried using it again online.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 470XX
Submitted Via: Web
Date Sent: 2022-12-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: This is the XXXX complain I'm filing with CFPB. I have a HELOC account with US Bank for past 15 years. This HELOC was tied to a lawsuit. I have already paid the amount of the loan in interest! US Bank had been horrible. I am uploading a few pages of the statements. US Bank has charged me thousands of dollars in other charges ( please see the XXXX I made to show. I have been paying the interest on time, but they keep charging me late payments. After 15 years, I won the case and got paid for the exact amount of the HELOC. I paid $ XXXX on XXXX. XXXX. ( see XXXX XXXX US Bank statement. Because they have made many mistakes in calculating interest, I am not paying the last {$750.00}! I believe my balance is XXXX. US Bank can close my HELOC ( I do not like them ). I have talked to many case managers, because they have a high turn over on employees! The most important person was : XXXX XXXX XXXX : XXXX. She admitted many mistakes in calculations on my HELOC! I have even messaged XXXX XXXX, XXXX. of consumer through XXXX! Please help me and advocate for me. I am done with US Bank. They need to bring the balance to XXXX. Please help me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2022-11-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX number XXXX, I also a victim of Us bank XXXX scam, and fraud. Us bank closed, and XXXX XXXX XXXX XXXX XXXX XXXX, Us bank business account number XXXX, Routing number XXXX, for $ XXXX XXXX XXXX Us bank account XXXX XXXX proof attached. I've called Us bank XXXX office on XX/XX/2022. I speak to the Customer service. Us bank customer service claim that I never had a Us bank business account number XXXX at their Us bank. Us bank XXXX office have Robbed, and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX out of $ XXXX XXXX XXXXXXXX and denying thaXXXX XXXX XXXX XXXX XXXX ever had a Us bank account XXXX in their bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am the CEO and PRESIDENT of XXXX XXXX XXXX XXXX XXXX number XXXX. I'm also a victim of Us bank Corporate Robbery, fraud, and scamming my company LA XXXX XXXX XXXX, Us bank business account XXXX, Routing number XXXX, $ XXXX Capital Funds. I called Us bank Corporate Office to speak to their customer support concerning my Us bank business account XXXX. Us bank said that I never had no Us bank business account XXXX exist at Us bank. This statement by Us bank customer support proves that Us bank Corporate office is misleading. Us bank business account XXXX XXXX attached. Us bank Corporate have taken over and Robbed our XXXX American business Capital which is illegal and criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93550
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/2022, I opened a business checking account in US Bank online with a promo which gives me {$300.00} within 45 days after satisfying three requirements in 90 days. I have completed the three requirements and after 90 days, I called the US Bank and asked my bonus status. They said they confirmed that I satisfied the requirements, and if the bonus is not deposited until XXXX, I call them again. And after XXXX, I called them again and they said they dont know why the bonus was not given yet, so they submitted my case to their research department. Two days later, the research department left voice message : The business checking bonus is for one business checking account per one business, but I received the bonus before, so my promo has been denied. I swear this is my very first business checking in the US Bank and in fact, XXXX setup my business in XX/XX/2022. I called them and talked to the CS rep but he doesnt know why and I was disconnected. Today, I had a call appointment with a local US Bank rep, but I havent received any call until 20 minutes later than the appointment time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90020
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-12
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: On XX/XX/ XXXX I contacted US Bank Reliacard to update my address and have my unemployment card resent. The address that they had on file was the hotel that my family and I were staying at due to displacement. The representative informed me that my account was flagged ( by whom? ) and that I had to verify my identity via their website before they could issue an address update and new card. I did as I was advised and called back on XX/XX/2022. This representative advised that they couldnt update my address because NC XXXX had to it. I informed her of the last reps advise and asked to speak with a supervisor. XXXX was unhelpful and wouldnt pull the last call that I made on XX/XX/XXXX. I explained that my address was updated on Unemployments end but he still wouldnt help me. This bank has so many complaints about them doing this to others without authorization to do so. Now XXXX concerned that they will charge me extra fees for having funds on that card even though I never wanted to do business with them in the first place. NC XXXXXXXX XXXX wouldnt allow me to use my XXXX XXXX account and I was forced to do business with US Bank Reliacard. Someone needs to look into these complaints and do something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28205
Submitted Via: Web
Date Sent: 2022-11-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XX/XX/22 An online inquiry was made to prequalify for a mortgage. This was clearly outlined as a soft pull. USBank made a hard pull that was not authorized. I did have a conversation with a XXXX XXXX to discuss products and I informed him this I was just checking on the possibilities. When he said I would need X amount of money down, I informed him that I did not have it in cash but maybe able to use some resources when Im ready. No documents were exchanged and no further steps were made. We closed the conversation with he would crunch some numbers based on the financial information I provided him. After we hung up, I received alerts from my monitoring bureau an inquiry was made. I immediately sent an email to XXXX disputing approval. I sent him a screenshot of the terms this was a soft pull. He, in turn, sent me a screenshot of boxes someone else checked. After detailed proof that I on the boxes was him and in the boxes it says the borrower ( see document ) gives consent. I never gave consent online or in our conversation. I tried to explain they should write a letter to the credit bureau to remove the hard inquiry. He said he didnt believe they could do this. Our back & forth conversation is documented through emails & pictures. I am asking to have this hard inquiry removed from my report because it was not authorized.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: You offered me an opportunity to explain my XXXX late payment with Elan Financial Services, but with no satisfaction you reported everything was accurate. I did have issues with my wife with the XXXX XXXX XXXX, around the time that my payment went past due. I was out of town and could not take care of it. I would like to take advantage of your kindness, to remove negative reporting from my credit bureau file. I tried to talk to a representative, but they would not accept my reasons for late payment back when this occurred. Please check my record, I have never been late, that is the only late payment that I have on my record. I would appreciate if this can be removed as soon as possible. Thanking you in advance. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77833
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A