Date Received: 2022-09-29
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Website is broken for a few months on and off I have requested US Bank to fix it multiple times with no avail. US Bank footballs me however they do nothing to repair their site. I am unable to even log in and I need an access to my financials and I need to fulfill my financial obligations otherwise I am to pay the fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have not had anything to do with Elon Financial for over 20 years. They have changed the dates on this old debt over and over and just keep reporting it as negative to the credit bureau 's as if it's a current dept. I have disputed this debt many times but Elon changes the date of the date of the debt and reports it again. The credit bureau 's just believe them and leave the negative info on my reports. This debt has been settled, written off many, many years ago. It's like they are doing this out of some sort of revenge. I can't believe this is legal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 786XX
Submitted Via: Web
Date Sent: 2022-10-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
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: This account was closed as a charge off in XXXX of XXXX, however the company continues to keep the account open and report late payments each month on my credit report. This gives the appearance to creditors as if this is a new open account with new late delinquencies which is completely untrue. Elan financial should not be allowed to classify this as a charge off, yet keep the account open on my credit report and report new late payments each month.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and 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: TX
Zip: 76001
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There is an auto loan showing. I dont have any auto loans at this time. I bought the XXXX XXXX with cash and I have the title. It states US Bank # XXXX. Auto loans or leases Total balance : {$15000.00} US BANK Balance {$15000.00} Balance updated XX/XX/XXXX. US BANK XXXX XXXX XXXX XXXX, OH XXXX Phone : ( XXXX ) XXXX I would greatly appreciate any help you can give to get this removed from my credit report. Thank you, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 033XX
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-29
Issue: Problems at the end of the loan or lease
Subissue: Problem when attempting to purchase vehicle at the end of the lease
Consumer Complaint: I leased a 2017 XXXX XXXX from US bank on XXXX XXXX. The lease was schedule to expire on XXXX XXXX. On XXXX XXXX car was stolen. the agreement provided that that I could purchase the car at the end of lease fpr XXXX. Due to theft of car I denied the opportunity to by the car. The insurance Company paid US Bank {$51.00} XXXX. I called US Bank to give me extra money {$18000.00} they received from insurance. As lease was expired on XXXX, and car was theft on XX/XX/XXXX, XXXX i was kept paying {$870.00}. I paid this amount, XXXX, XXXX, XXXX and XXXX, XXXX month. They sent me a check amounting {$1200.00}. ( without any calculation detail ) which is not a true retroactive payment of four months.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11580
Submitted Via: Web
Date Sent: 2022-09-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I was a month ahead on my auto loan payments with US Bank, and I needed extra money this month, so I turned off autopay the week before the payment was due. Then they still withdrew the money 2 days late, which nearly overdrew my account, though they showed it as being timely in their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 71291
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
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: My credit reports are showing a " 30 day '' late payment in XX/XX/2022 from Elan Financial Services. The payment in question was due on XX/XX/2022 and paid on XX/XX/2022. This payment was 17 days late, not 30 days late. This derogatory record needs to be removed from my reports, as it cost me XXXX points on my XXXX score. On XX/XX/2022 I submitted a dispute through XXXX and XXXX. Elan verified to both of XXXX and XXXX that the " 30 day '' late payment was correctly reported. It is not correctly reported. Elan has, in violation of the FCRA, verified false information to the CRAs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-28
Issue: Getting a loan or lease
Subissue: Problem with a trade-in
Consumer Complaint: XXXX is the original complaint but they didnt accurately resolve it. they said the reason the loan was denied at the end is because they didnt know what the car i was buying until i got the info from the dealer when the car came in. this is not true though, i told them several times what car i was buying and they knew the year, make, model and trim. that is how they knew the total loan amount was XXXX. XXXX for the car and XXXX for the inquity. they have some vaguely worded disclaimer on the approval email they sent me ( they approved me verbally multiple times too ) that neither i nor the dealer understood what it meant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 627XX
Submitted Via: Web
Date Sent: 2022-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-09-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I received a letter from my lender on XX/XX/XXXX stating that my loan is not FHA insurable and a refund of the MIP has been requested and that they will be adding it to the principal as a curtailment. I contacted my lender and requested for my money to be refunded to me as I have been paying that money every month in my mortgage the lender told me that it has to go to the principal per FHA I replied do not agree with that it is my money and it should come back to me I requested that they show me in my contract where it states what they are saying and what they are trying to do I was told it would take four days to investigate and they would then send me a letter explaining I received a letter around the XXXX of XXXX it just stated the same thing I was told on the phone and there was no information or supporting documents from my contract stating their claim as I requested. I was then told to contact HUD FHA if I had any questions. I called the regional office in XXXX and explained to them my situation that my loan is not FHA insurable and I am due a refund of my MIP they referred me to support center and the resource center In speaking with them I was informed that if I was not selling my home or if I was not refinancing my home then the MIP refund should come back to me I told them that I am not selling my home nor am I refinancing my home that I just bought my home three years ago in XXXX of 2019 They also stated that usually HUD would send the refund to the lender and the lender would then cut a check and send the refund to the borrower. I received a few emails from FHA giving me information on what I could do next then I called the lender back and I told them about the about the conversation I had with FHA in regards to my MIP refund and the fact that I am not selling nor am I refinancing and that my refund should come back to me they just kept saying the same thing over and over I spoke with someone around XX/XX/XXXX she said that she see that I called before and requested information to be sent to me from my contract I asked her what does it mean not insurable after putting me on hold she returned and stated that it just mean that the MIP is no longer required I asked than why cant I get my money back she had the same conversation that it is being added to my principal I asked that they send me a copy of the letter they received from HUD she then asked me was I filling a form to reverse my refund from the principal because the refund has already been added and that I should check my account if I do on line banking she then stated that she see a payment of XXXX to my principal and did I make that payment I told her no I did not and that is the money in question why would I give money away that would benefit me if I had it she stated that she would put in a request for an investigation and to give her until Monday XX/XX/XXXX or the XXXX then she would call me back she stated that if there is no letter she will put in a request for my check to be sent to me I told her ok I would I also stated that a curtailment is extra money that is what it mean right she hesitated to answer I told her this is not extra money it is a refund money that should not have been paid there for it should come back to me as I am the one who has been paying it monthly as part of my mortgage not US BANK so why are they trying to take my money I received a call back on the XXXX she said there was no letter to send me and that it would benefit me in the long run when I pay off my house that it would cut down on the interest I told her I am not concerned about 27 years from now if there was an overage they would give that back so why not my refund I received another letter stating both the Upfront MIP and the periodic MIP paid by or for the borrower is to be refunded
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2022-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A