Date Received: 2022-11-11
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX I ordered a e-scooter from XXXX for {$2600.00} this was to be shipped on a cargo ship that took two months to arrive two weeks after I ordered this I received an email from XXXX indicating that my delivery is completed and signed for please leave a review for this product this product hasn't even been shipped yet so I filed a dispute for that amount The case was held open for over 60 days and the item did not arrive to me so you closed the case in my favor thank you I appreciate that a week later the product arrived at my home in a large crate heavy beautiful undamaged I would like the merchant to get paid {$2600.00} I called XXXX card member services the following day they said they would release payment in 3 to 5 days it's been about a month I called seven times I messaged on the app to no response everybody just leaves notes on a closed case file and nobody can process this payment to XXXX as I requested seven times I just hung up the phone with the supervisor nobody can provide me with a processor 's phone number the best they can do is leave a message for the processor to call me back in several days and I am unable to speak on the phone when I am working this is a huge embarrassment and I'm ready to change credit cards because of this situation please pay the merchant as I requested over and over and over and over before the poor XXXX salesperson loses his job because you can not pay them as I requested many many many times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53217
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
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: Balance transfer requested from XXXX XXXX/Elan XXXX XXXX XXXX XXXX XX/XX/2022 in error. The check was issued on XX/XX/2022. {$6000.00}. I realized the error and called to put a stop payment on the check XX/XX/2022. XXXX XXXX cashed the check ( I have the canceled check ) on XX/XX/2022. XXXX XXXX claims the check was denied days later an they returned the money to XXXX XXXX/Elan XXXX XXXXXXXX XXXX/Elan says the check was cashed by XXXX XXXX and not returned to XXXX XXXXElan. I now have a {$6000.00} charge on my XXXX XXXX/Elan Card , plus a fee of {$170.00}. The {$6000.00} is either with XXXX XXXXXXXX/Elan or XXXX XXXX XXXX I don't know who to believe, but I am sure they both have accounting departments and somewhere there is an amount of {$6000.00} unaccounted for. I am getting nowhere with the companies involved. One blames the other and I am out {$6000.00}. Please help me solve this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 530XX
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: A credit card due date can be any day of the month. When a due date falls on a non-business day ( e.g., weekend or holiday ), I should still be able to schedule the payment on the due date and the issuing bank can process it on the next business day. Even the CFPB 's FAQ page states, " If the due date was a day the card company wasnt receiving or accepting mail generally weekends or a holiday you have until XXXX p.m. on the next business day. '' Unfortunately, US Bank does not appear to allow the scheduling of a payment on weekends or holidays on it's website or mobile app. Further, if choosing the next business day, it indicates that it would be late and suggests scheduling it for an earlier date. I spoke with a US Bank customer service agent who appeared to be unaware of the issue and put me on hold to get more information. When the agent returned, she agreed that the website and app do not allow for scheduling on a non-business day. While the agent could accept such scheduling over the phone, it appears that US Bank is systematically forcing customers to pay earlier than the due date. Offering a manual scheduling over the phone may be an effort to show compliance, but is not a convenient channel and both the website and app ( normal payment scheduling channels ) both encourage earlier payment scheduling. It may be a minor issue for each customer, but it appears to be systemic and violates regulations. Please investigate and let me know the outcome ( or tell me that I'm not correct ). Let me know if you'd like me to upload a screen shot of this situation. Thank you!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43054
Submitted Via: Web
Date Sent: 2022-11-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: XX/XX/XXXX, XXXX and XXXX XXXX my account had money deposited and within an hour of the deposit being made money started disappearing and US Bank informed me thats how their system is set up Really and thats how people end up over drafting their account because you take the money out and sometimes put it back in after a transaction or you just take the money I am missing within 3 days US Bank took an extra {$100.00} that wasnt for any pending transactions XX/XX/XXXX my balance was XXXX and it went to XXXX and an hour later XXXX. XX/XX/XXXX my balance was XXXX and went to XXXX mind you I had XXXX sent to my account the evening of the XXXX. XX/XX/XXXX my balance was XXXX and they allowed a transaction to occur with my card locked as well and it went to XXXX and back to XXXX. XX/XX/XXXX I had my direct deposit which was XXXX added to XXXX should have been XXXX instead my balance was XXXX after I paid XXXX for a transaction THIS NEEDS TO BE FIXED I have screenshots to prove it
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45231
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-13
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 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: 2022-11-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
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: i had sent letter a letter requesting removing a charge off! under! the statute of limitions for the the state of oregon which 6 years! the charge off was with us bank in XXXX XXXX XXXX under 15 us code 1681d us must remove the charge off!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 975XX
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: ATM Machine took my money and did not provide a receipt nor was it deposited into my account, ATM machine has now been removed. See additional information below. I think I put the entire description in the wrong slot.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My father passed away on XX/XX/XXXX. I notified his credit card companies ( Elan and XXXX XXXX ). Both said that the accounts would be closed and no additional charges could be made. Per my request, Elan sent a refund for {$120.00} on XX/XX/XXXX, as there was a credit on the account. My deceased father received an XXXX statement from Elan with a {$49.00} charge from XXXX XXXX XXXX MD. XXXX ) I have no idea who this is, and XXXX ) there were not supposed to be any additional charges on this card as of XXXX. I called Elan on XXXX. At this time, representative XXXX told me that the account was not closed. She referred me to the deceased cardholders department. I called this department on XX/XX/XXXX. Representative XXXX said that they have kept the account open for charges bc they didn't receive a death certificate from me and couldn't find one as part of public records ( In contrast, XXXX found it in public records and closed the account immediately when I called them. ) XXXX says that I must fax the death certificate and wait around 2 weeks for it to be processed. In the meantime, the estate is financially responsible for any charges made on the card. Regarding the current charge, she said it is up to me to contact the business. However, I don't have any information on how to do so.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-10
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: On XX/XX/2022 my bank balance was current and showed a postive balance on my online banking protal. US Bank charged me exesive overdraft fees. The overdraft fees essentially trigered my balanace to go negative which then resulted in more overdraft fees and NSF Fees totaling over XXXX. This is a finaicnal burden and misleading financial practices.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2022-11-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-09
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: I went up to XXXX Bank XX/XX/2022 to pay off a XXXX loan and while there was talked into taking all my saving of XXXX and putting it in a C.D at XXXX XXXX intrest since my savings was only making XXXX XXXX ..i was told of no penalties or stipulations other than it was for 17 months.When i returned home i went on line and saw that XXXX 's were going at closer to XXXX XXXX and called them back to cancel my CD since it had been less than XXXX..I called the CD dept and was told it hadn't processed yet so to call the bank..i called the bank and was told it wasn't there dept and that if i close it i would be penalized 3.0 % on the XXXXeven though if i left it in it would only make XXXX XXXX ... this to me is nothing but loansharking... I called up U.S Bank investment bankers who I had spoken to before and he said he could get me a but better rate if i could get the funds back into my savings ... he said he would look into it but the later said that since its under XXXX his department couldn't help.I called customer service who said thats not the way they do buisness and she would have someone contact me... as of now a week later no one has. Again I was never told of these penalties, if i had been told they would changed me more to close it than i would make to keep it I would have passed ... Also i was told by their investment banker earlier last year that generally early withdraws loose 3 months of prior intrest... so to loose XXXX XXXX on a XXXX XXXX CD seems criminal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44130
Submitted Via: Web
Date Sent: 2022-11-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A