Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I XXXX, XXXX the Authorized Representative for XXXX XXXX has been unfairly treated due to the nature of improper credit reporting, and for the mistreatment of the credit reporting laws and compliance.These are multiple violations of the law and slander of my good name and character. REASONS : I NEVER GAVE ANY AUTHORIZED / PERMISSIBLE USE OF ANY OF MY PERSONAL INFORMATION. I refuse to be an implied surety/debtor. These are few of many violations done on my good name ; which breaks the law. These listed Violations are based on breach of fiduciary duties TILA, FCRA, GLBA, CFPA, THE Sherman Antitrust Act, FTC Act and RICO Act As a result, I was discriminated against and denied my right to extend credit. I also suffered emotionally as well as financial hardship. Therefore, your company is liable according to 15 USC 1681XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act XXXX U.S Bank XXXX XXXX has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 section 602 A 2 : it also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1666B : A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purposes.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60624
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I opted to close my Secured Credit Card from Elan Financial Services. On that date, a letter was given to me, of which I received two weeks late. The letter states that Elan Financial will not produce my real cash value until an additional billing cycle passed, but where I need a cashiers check for my funds. Even though I have not done such things like any cash advances nor international transactions nor returned payments. My credit card was fully paid from my checking account. On XX/XX/XXXX, made a complaint with the CFPB about this lack of logical rational on withholding. Then on XX/XX/XXXX, a letter was given to me by the CEO which only was the subject of having agreed to the terms of conditions, but of which the CEO did not respond to the subject of lack of logic and unfair withholding. Now it is XX/XX/XXXX, and after all the wrongs, there is still no cashiers check mailed to my home address. I demand an immediate payment or there will be legal consequences.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08753
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
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: I have been going through this dispute process with Elan Financial/Ameris Bank for over 2 months. They are not properly handling a payment which was made in error and the amount surely was not authorized. I have sent them proof by fax on 2 different occasions showing that that payment for {$6100.00} was made in error. But, they have an " XXXX '' of a agent ( XXXX ) working on my case, who keeps saying that I rented a piece of equipment, so that somehow makes the charge valid. Even though XXXX herself states that I only possessed the equipment for 14 days, and I provided proof that the rental fee for the equipment was on {$1100.00}. So, I was totally puzzled how she came to the conclusion that a payment made in error was legitimate and should remain on my account. That amount is more than 12 times what I would owe for the rental. I am completely appalled by the lack of customer service by Elan Financial. I sent then evidence that that charge was an error as well as myself asking XXXX XXXX, the merchant, to reverse the charge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30248
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-07
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: A couple of weeks ago, I attempted to log in to the US Bank mobile app to check my balance. I received an error message stating that my account was not available, and that there was a problem on the banks end. I tried a few more times over the next few days, even uninstalling, then reinstalling the app with no success. I tried calling the customer service number. I keyed in my entire card number, and when I entered my zip code was told that I had entered an incorrect zip code.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-11-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-08
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/22 me and my husband received four highly unusual requests for all-inclusive personal identifying information in the mail from " Cardmember Authentication Department '' ( attached ). Two of them were from US Bank, the other two were from Elan Financial requesting excessive and unreasonable PII to be faxed or mailed out to them. I called the number provided in the letter to get information as to why a credit card company is requesting the last 2 years of our federal tax returns among other things. I spoke to 5 different people at different times of the day, today, XX/XX/22, and none of them was able to provide me with reasons behind such thorough inquiry at this time of having the account and alleged discrepancies. None of us have applied for new accounts, we have spotless credit history and standing, we are not aware of any red flags that would allow a credit card company to request 2 years of federal tax returns, 2 months of personal checking account statements, driver license, social security card, IRS 4506-T form , and SSA 89 form. I called both banks directly to find out if they indeed sent out these requests, and they confirmed they did, but again, they kept transferring me to this centralized fraud department called " Consumer Authentication Department '' at XXXX. I did pay and ran a background report on this number, and came up with a spoofing phone # assigned to multiple individuals NOT a valid consumer authentication department. I requested to speak to a supervisor or whoever would be able to explain me the reasons behind such all-inclusive and confidentiality violation request, and after the third call, someone told me they made a note in an unknown department that my accounts were marked as having " synthetic fraud '', of which needless to say, I am not aware of, especially when our credit reports are frozen and no one can access them other than us until the freeze is lifted by us. When I asked one of the supervisors what they tried to gain from my 2 years of federal tax returns, she said, they needed it to verify my identity. I explained to her that my identity is easily verifiable simply using my DL, my SSN, any utility bill, and IRS Tax form 4506-T, why they requested my bank statements and very confidential federal tax returns of the last 2 years? I asked her if they wanted to see my dependents, my deductions, my profit and loss, my children 's social security numbers, she told me, " maybe we do, why not, might as well ''. I stopped at US Bank branch and showed them the letters and asked them the same questions. The representative at the branch told me the account is already closed and there are no notes and she couldn't do anything to provide transparency as to why I am asked such volume of PII to be sent to them either via fax or by mail. She said the letter was highly unusual and she had never seen such a request before. In short, I am unable to get answers from US Bank or this alleged Consumer Authentication Department. Everyone sees notes, no one knows who put the notes and what is this allegation of " synthetic fraud '' based on. From my knowledge and understanding credit card companies are not allowed to request such PII from a consumer who had the account in excellent standing, with XXXX balance, and perfect financial history for many months. US Bank also has our mortgage, our joint checking and savings accounts, and 2 credit cards that they closed without even honoring the 15 days mark in their own letter. If there is any credit card company that is already in full possession of our financial history, it is US Bank. That's another issue, because they mailed the letter on XX/XX/22 and we received the letters on XX/XX/22, which didn't even allow us enough time to respond, if we decided to put our entire financial confidential information on a silver plate and mail it to them risking it getting into the wrong hands. US Bank closed our accounts with no factual basis, no proven facts, no reasons, just some bogus " synthetic fraud '' allegation that no one knows who came up with. They do not even know how this ridiculous inquiry was generated in the first place. And nowhere in the US Bank cardmember agreement states that they are allowed to request such information from a consumer. This is not a new application for account, even if they decide to do such an inquiry, it should be limited to certain PII, not a person 's entire financial life, this is a clear violation of our privacy and violation of 26 U.S. Code 6103 - Confidentiality and disclosure of returns and return information. I wasn't asked for such all-inclusive information even during the purchase of our property. This is unprecedented. I will file a complaint with the CA Attorney General in addition to this complaint. As a consumer, I have the right to know what is in my credit and why am I denied credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91352
Submitted Via: Web
Date Sent: 2022-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have been charged an excessive amount of over draft fees. My available balances have been enough to cover these transactions thag make my account go negative, but the bank is choosing how each pending transactions, authorization holds, or debit car transactions and deposits are processed. Causing over {$1000.00} in fees in one statement period and continuing. As a small business sooner, they're taking advantage of me and constantly putting me into negative when my available balance reflects all held or pending transactions and would be sufficient for the additional transactions made, until they start re arranging the order transactions and deposits post
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95621
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Elan Financial Services applies my payments to my XXXX balance interest rate instead of the balance with the higher interest rate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 359XX
Submitted Via: Web
Date Sent: 2022-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am XXXX XXXX XXXX XXXX of XXXX OF XXXX XXXX XXXX XXXX number XXXX. Our XXXX XXXX XXXX XXXX XXXX non-profit XXXX have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds, and a hold on the Us bank account since XX/XX/2022 with out any authorization from the XXXX XXXX XXXXXXXX XXXX XXXX 's Board of Directors. Us bank 's unfair action, violate, the XXXX XXXX XXXX Business Practice Act protection laws, XXXX Deceptive Trade Practice Act protection laws, and the California Unfair Competitive Act Protection laws by holding XXXX XXXX XXXX XXXX XXXX 's XXXX, XXXX XXXX XXXX XXXX growth, and expansion in the United States Of America.
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: 2022-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-05
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: I am Chief Financial Officer of XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. Our XXXX XXXX XXXX XXXX XXXX XXXX, have a Us bank business account number XXXX, Routing number XXXX with {$21000.00} Capital funds on hold by us bank with out any authorization or merit. Us bank Corporate office placed a hold on are XXXX XXXX XXXX XXXX XXXX, Us bank account last XXXX XXXX on XX/XX/2022. Us bank 's unfair & discriminating actions, violate, XXXX XXXX XXXX Practices XXXX XXXX, California Deceptive Trade Practice act protection, and the California unfair Competitive act protection laws by Placing a Us bank business account hold on XXXX XXXX XXXX XXXX XXXX, Us bank account number XXXX, preventing all the board of directors access to XXXX XXXX XXXX XXXX XXXX, {$21000.00} XXXX XXXX.
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: 2022-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A