Date Received: 2022-11-02
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: 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, MN XXXX Inquiry Type Individual Requested On XX/XX/2022, XX/XX/2022 Phone ( XXXX ) XXXX
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: 2022-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
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: WHEN CHECKING ALL THREE OF MY CREDIT FILES US BANK IS REPORTING INACCURATE AMONG THE THREE CREDIT BUREAUS. VIOLATIONS 15 USC 1681 US BANK IS IN.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33029
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXXXXXX XXXX XXXX. Two men called me impersonating police officers. Reported that I had signed a subpoena and that I missed court. Reported that I was in contempt of court and failure to appear and needed to pay {$1500.00} for each offense if I wanted to avoid being arrested. They referenced my job title ( accurately without me saying ) several times. Reported I would eventually come to the police station to compare my signature and if it didnt match what was on subpoena, then I would get money back. Reported I needed to pay now so that they dont have to process me and have an arrest on my record. Reported that I didnt have a criminal record ( also accurate and I did not tell them ). They called from phone number that showed up with caller ID showing XXXX XXXX. XXXX ( XXXX ) XXXX and ( XXXX ) XXXX were phone numbers of each person. Person came on phone reporting that they were the supervisor and said I need to pay bonds. Both said I would get money back, its just procedure. Also said they dont take cash because of COVID. I challenged them several times and they had answers for everything. They were professional, rehearsed, and intentional. About two hours later, I paid them {$3000.00} via XXXX on my US Bank acct app with my business checking acct. XXXX XXXX XXXX was number. They said it was their financial dept. They said it didnt go through and I paid again through same acct. XXXX XXXX XXXX was second number. They said there was an error and it was still not going through so they would have to ask me to do something they rarely do. They sent me to my bank teller to get {$3000.00} again ( this time I grabbed from my savings and personal acct ) and sent me to XXXX XXXX off XXXX XXXX in XXXX to buy XXXX They had me send them pictures to verify purchase ( which I now know was to get codes but I was unfamiliar with the whole thing ). This is a total of {$8900.00} ( apparently XXXX XXXX machines only allow {$2900.00}? ). Then, they hung up and did not answer. I went to XXXX XXXX police department off XXXX XXXX in XXXX OR immediately and they said it was fraud and I should make a report after calling my bank to try to have it reversed. I called my bank and asked them to reverse which they said they couldnt do. They said they will report it to team for review. I made a police report and that case number is XXXX. I called US bank on XX/XX/22 and spoke to a woman who said my report was filed under dispute and not fraud and I should call back when it is denied to have it go back through as fraud. I called back XX/XX/XXXX and checked on review by bank. They reported that it was filed correctly, as dispute and not fraud, and there is nothing the bank can do because the government insurance doesnt cover this type of scam. Each person I talked to said this happens to people every single day and yet no one is able to do anything. PLEASE HELP!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97303
Submitted Via: Web
Date Sent: 2022-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: My US Bank Home Mortgage Account is reporting that I have late payments in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. But I never was actually late. This is a documentation error on their end. I even was emailed a confirmation from my payments. I've attached proof of payment. I don't want it to report that I was late when I really was. I pay all of my bill on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89108
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Online payments are not using the account selected. I have 2 banking accounts entered for my card payment ( s ). This has happened multiple times over the past year. I am extremely careful to select the appropriate account, however when the payment is made the account is changed to the secondary account I have on file. This is creating overdrafts and issues with my other bank. Today my mortgage payment will bounce due to the issues with Elan 's website. I want this repaired as well as reimbursed ALL charges, interest associated with the website malfunctioning. When I called today I spoke to 2 people and they both told me it was my issue that I didn't select the correct account. I know for a fact that I selected the appropriate account. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX aXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and make a payment. The only response I got was there is not way this can happen. XXXX XXXX XXXX I know glitches are possible and as a XXXX I know for a fact there is a glitch and the system did not use the account I selected. I am tired of having overdrafts at my bank because Elan Financial refuses to fix this problem. The confirmations from Elan when a payment is schedule only state payment has been scheduled. There is no confirmation number or account used. You only receive a msg stating your payment has been scheduled. Most recently amounts taken from the incorrect account are : XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 544XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: US Bank advised that my pension deposit that comes on the 1st would be routed to my account, specifically stating there would be no problem. As of today I was told I can not have access to my pension and it would take days. Further the XXXX, XXXX was snide and dismissive blaming the issue on IMRF ad federal reserve. Because of US Bank providing inaccurate information I have been caused hardship. The manager also stated I am recording this conversation in the middle rather than from the start and should include all the conversation. I should not have to suffer hardship because US bank provided inaccurate information. The manager, who was literally the worst I've come across in a XXXX fashion stated I'll retrain the employee that did nothing to rectify and address my situation the result of improper nformation provided to me as a customer. I hope the bank listens and retrains XXXX and others are do not go without their pension.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: USBANK received a check on XX/XX/2022. The amount was for XXXX. USBANK incorrectly processed as XXXX. On XX/XX/2022 I found the error in my checking account at XXXX XXXX XXXX XXXX. They immediately contacted the Federal reserve reference number XXXX which proves the XXXX was put in the USBANK account. Today XX/XX/2022 USBANK has failed to reduce our mortgage by the XXXX. They are " investigating '' still. I have reached to escalation and they have failed to do anything. I reached out to the USBANK fraud department however they only investigate credit card or bank account fraud. NOT fraud they commit in the Mortgage department. The federal reserve, USBANK and XXXX XXXX XXXX XXXXXXXX have been unable to resolve the matter. USBANK is the entity that refuses to correct their error. Please provide next steps on resolving this issue. Thank you,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 021XX
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: My wife and I have been trying to obtain a payoff letter from US Bank for our XXXX with a different bank and US Bank will not send us the letter and we have been trying to get this letter for over one week. We need help to make them send the letter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53711
Submitted Via: Web
Date Sent: 2022-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-01
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: I contacted US Bank via email to close my credit card account ( XXXX ) and they did such as requested. ( Please see attached document ). I had a rewards balance of $ XXXX and went in this morning to redeem such and the balance was {$00.00}. I contacted US Bank and was told by the representative that when the account was closed their policy is to inform the cardholder that " you will forfeit any rewards once the account was closed ''. I informed the rep that this was not closed by phone but via email. I was informed that it should have been in the email, but as you can clearly see it was not. If I had been informed of such, rest assured I would have taken the rewards before closing. No one in their right mind would throw away XXXX XXXX dollars, especially with paychecks being stretched thin and inflation at an all-time high. I am requesting that US Bank honor their policy of informing a customer about " losing their rewards '' and send me a check for the rewards balance that was there when the account was closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30019
Submitted Via: Web
Date Sent: 2022-11-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-11-02
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: I purchased a XXXX XXXX XXXX from XXXXXXXX XXXX XXXXXXXX XXXX in Indiana. Once I got home in Ohio, I realized that the odometer in the car doesnt match the paperwork. I called back to dealership and spoke with the sales associate that sold me the car ( XXXX XXXX ). Expressing my dissatisfaction in the sale and asked was there something we could do to correct the situation. I was told the general manager would contact me the following Monday on the matter and never got a return call. I called back to the dealership after going to the XXXX in Ohio and was told the vehicle would be registered with a branded title due to mileage not being accurate. I again reached back out to the dealership and still no resolve. I later heard from the title clerk asking questions about the mileage of my trade. She stated that there was a mistake on the mileage document and needed to be resigned. I once again mentioned the odometer issue and she asked for me to send photos of the odometer of my vehicle. And also stated that the general manager would be contacting on what can be done on the matter. I again called the dealership and spoke to the general manager and he stated that he isnt going to do anything with the ongoing situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 45240
Submitted Via: Web
Date Sent: 2022-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A