Date Received: 2022-10-09
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Long story short, I closed my account with US bank in XXXX of 2022. I did receive a check which I tried to use to open a new bank account. XXXX XXXX denied the check saying it was no good and I never received the check or letter they claimed to have sent me back. They said I need to go through US bank to get a new check reissued. I had spoken to someone at US Bank in early XXXX, who checked to see if the check had been cashed and it hadn't. I was told that same day that they had someone looking into it to reissue me a new check. I was on the phone for over 30 min figuring this out. It's 2 months now since I was told I would get a check in the mail within 7-10 business days. I would like a check reissued in the initial amount.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 47909
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: The is a general complaint with gift cards from XXXX or XXXX that are given as gifts and are supposed to be able to be used in a store without registering the card, or online after registering the card. If you try to use it in a store there will be a hold put on it and may not be able to be used until you call them and they send you another one. It is a soft sham by US Bank National Association ( XXXX.XXXX ) who, after receiving money for the purchase of the card do everything they can to keep from parting with their easy money. One easy question for you : can you not require the company to provide accounting on what percentage, and how much, of the income from their gift card purchases are actually paid out? They have even thought of this by saying that the account remains open forever. Come on guys. Have you really not looked into this? Every person so know has received one of these cards in the past 5 years.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 232XX
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
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/XXXX XXXX I signed up, online, for a {$29.00} monthly fee for a basic study course for my granddaughter at XXXX. Since she would be the one using the account I put it in her name ( XXXX XXXX ) and her email. The credit card information of course was in my name along with my all my information. Within a week I noticed on my credit card statement I was being charged {$190.00}. Logging into the website I found I was being charge {$190.00} a month instead of the {$29.00} monthly. ( Attachment : study account info from website ) Their only form of communications I could find was through their online portal. I sent a request for help XX/XX/XXXX in which I stated to contact me at my phone number and/or my email. Giving them a few days I did not hear from the XXXX so I filed a dispute with my credit card XX/XX/XXXX. Elan credited {$170.00} back to my account. They sent a letter to me requesting proof that I had signed up for {$29.00} monthly. Since this was an online transaction I did not have that proof. By that time though I had contacted my granddaughter and found that XXXX was emailing her instead of me. I sent that email to Elan showing where I complained to the company, XXXX stating I had signed up for {$29.00} course. Along with that I answered the other information that I could provide. I received another letter on XX/XX/XXXX from Elan stating they still needed proof and requested I response to XXXXXXXX response. They included attachments from XXXX which showed their policies and that the account had been canceled and a refund was sent. It shows on XXXX attachment that the refund included the {$170.00} chargeback. It also states a partial refund of {$29.00} which was reimbursed to my account XX/XX/XXXX. I responded to ELANs letter stating the matter was resolved with a refund and attached email stating the money had been refunded by XXXX. I felt the matter had been resolved. Then on XX/XX/XXXX I received a letter from Elan, stating they could not help with my dispute and they charged my account {$170.00}. Immediately I reached out to XXXX in regards to this informing them the chargeback money had been resent to them on XX/XX/XXXX and needed to be refunded. XXXX finally worked with me directly stated in an email the money was refunded and I needed to work with the bank. I placed a call to Elan requesting this be looked into. I did not note my first call but was told the person working the dispute would call me back within several days. I called on 4 other occasions, XXXX, XX/XX/XXXX, XXXX, XXXX in regards to this usually being told of a returned phone call. I finally received a call back after requesting the manager call but unfortunately missed the call. When I attempted to return the call I was told quite rudely Elan can not help me because I have no proof of what I purchased or as Elan stated in a letter " there is insufficient information supplied to support your claim of incorrect amount '' Not knowing what to do I filed a complaint with FTC and the XXXX XXXX XXXX XXXX. I received communications back in regard to the XXXX complaint where again I was told Elan looked into it and found they had done nothing wrong. At this point I am confused. First off, I was under the impression that credit card companies were responsible for helping with incorrect charges. Also if XXXX refunded the {$190.00} on XX/XX/XXXX why am I am still out {$170.00}. And most important, why is ELAN or XXXX not helping but instead pointing fingers at each other. I have spent well over {$170.00} worth of my time on this matter but to me there is a huge principle at stake here. From the feelings I have gone through most people would have walked away and some company, Elan or XXXX, would have additional money at hand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30016
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-09
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on my XXXX XXXX account it shows that i applied for a home mortgage loan also a credit card through Elan Financial Services on XX/XX/XXXX. The credit card is showing up as a hard inquiry. I have not applied for either one of these
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 66106
Submitted Via: Web
Date Sent: 2022-10-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-08
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited {$5800.00} into my checking account with a check from a company that I had made recent deposits from and the teller didn't tell me there would be a hold for 7 days on the funds. They told me this 24 hours later on a Saturday when the XXXX involved was not in the office. They would not give me a reason why the funds were held and left me with no explanation and a 7 day wait for my money which will cost me a late fee on my mortgage, overdraft fees etc..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
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 paid off an auto loan held by US Bank around XXXX XXXX XXXX. To date, US Bank has yet to release the electronic title with the XXXX DMV and is unwilling or unable to release it. My car was recently totaled in an accident, and I need the title yet US Bank seems to be holding it hostage due to their incompetency.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89139
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: US Bank refused to refund the remaining balance of a closed account. They stated a check for the balance would be sent within 15 days of the account being closed which was XX/XX/XXXX. I have contacted the local branch and customer service multiple times without resolution. I was informed no check was ever issued and US Bank is continuing to withhold my balance of over {$4000.00}. This account was closed over 2 months ago and US Bank refuses to return my remaining balance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91356
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I opened a Altitude Reserve credit card with US Bank early this year. On XX/XX/XXXX, i wanted to buy a XXXX watch and tried to use this US Bank Altitude Research card to pay. However, it was declined. I called US Bank customer services and XXXX told me they would put a note and asked me to try in a few minutes. I tried the second time and its declined still, so i used XXXX card to pay. On XX/XX/XXXX, I was told this card was closed by US Bank, and i can not make further purchases on groceries. I spoke with US Bank and a lady told me they closed my account because i bought a luxury good and according the user agreement this card can not buy luxury good. Immediately after the call, this card is closed. In the next week, i called US bank multiple times to reinstate this card but they all said they can not disclose more information. My question is - 1 ) during the transaction, no XXXX told me that I can not buy XXXX watch with this card. they just said they would put a note and let me try again in a bit -2 ) i reviewed user agreement and didn't find any words saying can not buy luxury good - 3 ) even if it specifies on user agreement, banks should warn me for the first time and close account after second time - 4 ) US Bank charge me an annual fee {$400.00}, and they didn't refund after closing the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11354
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Hello, Since XX/XX/XXXX I have been receiving emails from US BANK ( XXXX so far ) that do not pertain to me. My email address is XXXX. I do not have an account with US Bank since XXXX when I had a mortgage there. From the emails I've been receiving it looks like someone is trying to open an account with my email and possibly my name. One email it addressed to XXXX XXXX XXXX. My name is XXXX XXXX XXXX. I have called the bank each time I've received an email and have been transferred to the Fraud Dept. XXXX has a different social security number. I was told they may have mixed up our accounts and was given an email to go to and told to write in STOP. My email did not go through. I have attached the emails.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 547XX
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-10-07
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I received a credit alert from XXXX stating that Elan Financial Service reported that my balance has increased to {$2900.00} and as the result, my credit score dropped by XXXX points. I checked my XXXX credit card statements for the entire year and did not see any statement balance that exceeds {$2000.00}. I paid the majority of my credit card balance before the statement date and have auto payment set up to make sure I pay off my credit card every month so that my credit score won't be impacted. I contacted Elan Financial Services, the credit card issuer on XX/XX/2022, and was told that I need to speak with XXXX. When I called XXXX on the same day, I was told I need to speak with Elan Financial Service. I don't know whom I should contact and what I can do to prevent something like this from happening.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94404
Submitted Via: Web
Date Sent: 2022-10-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A