Date Received: 2022-10-26
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 have a recorded conversation with the credit card company ( Elan Financial XXXX XXXX XXXX ) acknowledging they will remove the charge-off-collection status they submitted XX/XX/2022 to credit reporting agencies since I paid in full on settlement agreement XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 133XX
Submitted Via: Web
Date Sent: 2022-10-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: U.S.Bank account number XXXX on XX/XX/XXXX there were three charges 1 for XXXX XXXX XXXX for XXXX a charge for XXXX XXXX credit card for XXXX and protective life for XXXX which bring my account to a negative XXXX and some cents. I transferred XXXX from XXXX XXXX to make the account positive and not negative on XX/XX/XXXX and the system still charged me 3 overdraft fees for those items I contacted the bank and they said there was nothing they could do for me. I would like my overdraft fees returned to my account. My name is XXXX XXXX address is XXXX XXXX XXXX XXXX # XXXX XXXX, AZ XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85308
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I bank with US Bank. When using our debit cards, the transactions pend sometimes up to a week and a half. We always go by the available balance as instructed by the bank, but due to the error in processing the transactions in a timely manner, it inaccurately reflects in the available balance causing us to continually transfer funds to cover the checking so we do not overdraft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 451XX
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit Reporting Act, Us Bank ( account number : XXXX ), has violated my rights Under 15 USC 1681 Section 602 states I have a 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 Under 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 any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60185
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2022, Elan Financial Services, a division of US Bank, elected to close my credit card accounts in 30 days. When I prompted them for more information, XXXX XXXX XXXX, Retail Payment Solutions, Office of the President at Elan Financial, sent me a letter on XX/XX/XXXX indicating that my accounts are in " Default '' under the terms of these accounts. According to the letter, my accounts are " in Default under subsections e and f, '' because of " false statement in the maintenance of your account '' and " the Account is in danger of, or is being used for fraud. '' These claims are baseless, and I was not given any opportunity to answer them. I have made no statements to anyone at Elan or US Bank, false or otherwise, to maintain my credit card accounts. Alleging that I was involved in fraud is a serious charge, commonly defined as " criminal deception intended to result in financial gain. '' Frankly, I am flabbergasted by this assertion! My account originated over six years ago when Fidelity awarded Elan the contact for this service. Most of my family 's daily spending goes thru the account ending in XXXX, so there is a clear and continuous record of my family 's spending patterns. Over the nineteen years, I have had a Fidelity Credit Card, I have never missed a payment or had my account out-of-order. XXXX calculated my credit score this month is over 800. When did Elan Financial detect that I was somehow involved in criminal activity? When I spoke to XXXX XXXX on XX/XX/XXXX, he would not provide any information on how Elan or US Bank reached this decision or evidence supporting these assertions. Elan Financial and US Bank acted in a disturbing, arbitrary, and conspicuous manner to close my credit card accounts, which is inconsistent with the agreement. They should not be able to make summary judgments about credit card accounts without providing the consumer with clear and convincing supporting evidence. Furthermore, I was not afforded due process consistent with being a valued, longstanding client.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92677
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: Received a promotion to open a checking account with a {$500.00} bonus after completing the following activities : Deposit {$5000.00} within 30 days Make 5 transactions within 90 days Enroll in online banking Opened with promotional code and enrolled in online banking. Performed the following activities : XX/XX/22 - opening deposit of {$100.00} XX/XX/22 - {$5000.00} new money deposit XX/XX/XXXX XXXX XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX XX/XX/22 - XXXX XXXX Account is in good standing and no promotion bonus as of XX/XX/22. Can provide more information if needed. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 31322
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My wife and I have been working with XXXX XXXX XXXX and XXXX XXXX of U.S. Bank Home Mortgage for WEEKS on an application for a home equity loan on our vacation home in TN. We passed the application process and were finished with the document submission process. We submitted every single document requested. We have received Disclosures along the way. We have had email and phone correspondence during the process. On Friday, XXXX sent what appeared to be a form message saying that our collateral does not qualify because it was on XXXX for over 90 days. This was not new information. It was explained at the outset at the very beginning of the application. We dont understand why this was this mentioned after the fact and like this. We relied on this process and the disclosures and have signed an agreement with a contractor who has started work. How can U.S. Bank Home Mortgage pull the rug out from under us now? Neither XXXX nor any of the managers we contacted to question this action have responded to us. This is NOT how a company like this should be doing business. It's unconscionable. Our primary mortgage for this property is with US Bank Home Mortgage, and we have been good customers. Theyve already done the appraisal, paid for by us, to determine the equity, which happens to be greater than the mortgage balance. If U.S. Bank Home Mortgage will not do the right thing here, we will publicize our experience EVERYWHERE and refinance the entire loan somewhere else. Please dont let them get away with this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 150XX
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-24
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: CFPB + US Bank, On a recent review of my credit reports I noticed there are unauthorized hard credit inquiries I would like removed - attached to this complaint are : drivers license social security card mailing address written complaint credit reports where located Please have these removed as soon as possible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34471
Submitted Via: Web
Date Sent: 2022-10-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-25
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I received targeted email and XXXX mailer to open a bank account with US Bank in XXXX XXXX. I met the terms of the requirement and have not been issued the bonus after the offer period was completed. US Bank has not provided adequate explanation for which transactions are considered qualifying and which transactions are not. The terms of the offer ( XXXX ) state that qualifying transactions include " Debit card purchases, Merchant deposits, XXXX credits, Wires credits/debits, Mobile Check Deposit and Bill Pay . '' Bill payments were completed from this account to XXXX credit card on XX/XX/2022, XX/XX/2022, XX/XX/2022, and XX/XX/2022. Bill payments to XXXX XXXX credit card were completed on XX/XX/2022 and XX/XX/2022. Bill payments to US Bank credit card were completed on XX/XX/2022 and XX/XX/2022. I have received a response that only two transactions qualified. I am seeking clarification on which two transactions those were, and why the others were excluded when they are all clearly Bill Pay transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95123
Submitted Via: Web
Date Sent: 2022-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-23
Issue: Fraud or scam
Subissue:
Consumer Complaint: XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX I sent this amount of money to a scam artist named XXXX XXXX. He banks with US Bank. My bank, XXXX XXXX, was unable to recover the funds because US Bank sided with their customer, XXXX XXXX, who is a XXXX. XXXX XXXX provided falsified documents, pictures, and receipts in order to get this money from me that was supposed to go towards a real estate fix and flip project. His business name is " XXXX XXXX XXXX XXXX ''. All checks and wire transfers were made directly to XXXX XXXX. This is his XXXX : XXXX XXXX XXXXXXXX He recently had his accreditation revoked thanks to the complaints of multiple people he scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20109
Submitted Via: Web
Date Sent: 2022-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A