Date Received: 2024-01-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I have a visa card from Elan Financial services and two fradulant charges were posted on my account on XX/XX/year> by a company named XXXX for {$7.00} and a company named XXXX for {$30.00}. I have repeatedly disputed these chargesd and talked to several representatives from the fraud department at Visa and just finished talking to XXXX in the fraud department and they keep promising that it will be taken care of but no credit has been issued to my card as of yet. Elan financial had chnged my card twice to stop this company from posting charges but these charges went through. There were two other charges posted in earlier month and it took me a while to resolve the dispute for those charges.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60527
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: The most recent date is XX/XX/. Amounts : {$4.00}, {$4.00} and {$49.00}. I got charged {$36.00}, {$36.00}, and {$36.00} for each transactions. I called XXXX representative and she refused to help me. I called another time and talked with another banks representative complaining that the bank should not charge {$36.00} for every transaction since XXXX were below {$50.00}, the representative said that she was not aware of this banks policy. I asked to speak with a supervisor, and I was told that no one is available. After being persistent, the representative said that she was going to contact her manager by an email ; after a long waiting ( over XXXX minutes ) she said that her manager refused to refund me any fees.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchased a XXXX gift card via US Bank at my local XXXX XXXX grocery store on XX/XX/XXXX in the amount of {$400.00} to use on a trip to XXXX XXXX XXXX that our family was taking after XXXX. Fast forward to XX/XX/XXXX when we went to use said gift card at a restaurant in XXXX and it was declined. We called the customer service number on the back of the card and were told that the card was registered in someone else 's name and that the funds had been drained soon after we had purchased the card. We were told to fax our proof of purchase, along with my driver 's license and a photo of the front and back of the gift card and once said items were received that a new gift card would be sent to the address on the drivers license. We faxed to US Bank on XX/XX/XXXX, I called back numerous times over the following weeks to confirm receipt of said documents, after being told to keep checking back several different time frames they asked me to fax over again, I verified the number was indeed correct ( it was ) and resent all requested items on XX/XX/XXXX and started the calling in process all over again. I am now being told to fax the documents a XXXX time as they claim to not have them. It is apparent to me that I am getting the run around and US Bank has no intention of replacing my gift card despite what we were originally told. We have followed all steps from this fraudulent company to receive reimbursement of the stolen funds but to no avail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28409
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: So I got a called from XXXX XXXX that I missed a delivery and to call that number with a reference number to figure it out. I had no idea so I called and gave the ref number and it's some collection agency trying to recover money from a credit card supposedly from XXXX that closed in XXXX and was charged off in XXXX? Idk it isn't on my credit anywhere and I have no XXXX idea what they're talking about but basically threatened my credit. And bank account. They had my info, last four of my social at least and birthday and address. The company that supposedly sent the delivery was XXXX XXXX XXXX. I hung up mid call because they began staring my credit would be damaged for a decade, due to a law Obama passed? It was very confusing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 129XX
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I am XXXX and run a XXXX XXXX. I provided the documents required to open my account with US Bank but was told they were not legible. I was asked to resubmit them at least 5 or 6 times. I submitted them each time I was asked, but they kept looking at the first documents I submitted and telling me they were not legible. Because I am XXXX and permanently XXXX, I have some challenges with my handwriting, which I repeatedly explained and asked for assistance and if they have an XXXX XXXX. One person joked about my XXXX and asked me what my XXXX was and told me I just needed to write the form better and that it wasn't their problem that I couldn't write it better. She hung up on me and then she actually picked up the phone and laughed at me when I called back. I repeatedly explained that I would like assistance and was finally told by a XXXX they had an editable version of the form, but that the issue was rectified so I didn't need to complete it. After this, my account was closed - backdated to XX/XX/XXXX. The reason noted in the letter I received about my account being closed on XX/XX/XXXX, ( dated XX/XX/XXXX - showing my account closing effective for XX/XX/XXXX ) was that they had been trying to reach me by phone, email and mail - even though I had been assured on multiple occasions that the issue had been resolved as recent as an email I received on XX/XX/XXXX - confirming my account is active and open as of that date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 327XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: The morning of XX/XX/2023 someone entered u.s.bank in XXXX XXXX XXXX. Deposited a XXXX check into my checking account. Then he withdrew XXXX from my account after teller told him how much was available for withdrawal at time of deposit. Bank called me 30 minutes after withdrawal to verify I had made deposit and withdrawal. I said no and she locked the account and me to go nearest branch and fill out fraud complaint paperwork. I did this paperwork 3 different times because he time I inquired, they said they needed it again. 4 months later, I'm still without my money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60636
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-12
Issue: Trouble during payment process
Subissue: Payment process
Consumer Complaint: I have sent a recent post about XXXX XXXX, Now this One is about U.S. Bank. I took a debt consolidation loan of XXXX with them. They sent me Cashiers check and was responsible for paying off one directly. I really regret doing this as it has been nothing short of a nightmare. I sent cashiers check to all creditors to pay off in full. I only had problem with XXXX XXXX. I tried talking to U.S. Bank about this and there response was I needed to take check to XXXX XXXX directly. Hmmm... Thats what I did. I took check straight to XXXX XXXX at XXXXXXXX XXXX XXXX XXXXXXXX XXXX, Nebraska. I handed it to gentleman in customer service, and received a receipt paid in full. I also went to U.S. Bank and stood at counter for about an hour while XXXX who I did loan with called XXXX XXXX and tried to work this out. I think inexperience and lack of caring is a big problem here. I was given copy of cashiers check that XXXX XXXX had already cashed. Yet somehow also did a reversal. How you cash a check and do a reversal at same time is mind blowing. U.S. Bank was supposed to take care of XXXX XXXX XXXX directly. That transaction never happened. Then My loan is setup with first payment due today on XX/XX/2024. I have already setup bill payment with XXXX XXXX and they sent payment to U.S. Bank on XXXX. I called U.S. Bank and asked them why this was not yet posted. The response I got was XXXX XXXX would have sent check to me to pay off credit card. What in the XXXX are they talking about? This is a direct payment from XXXX XXXX to U.S. Bank. Now I have to believe this is U.S. Bank being inexperienced and causing these problems. In the mean time I had to endure several harassing phone call, emails, and postal mail bill collections. I have never ever been late on a bill or missed a payment until I did business with U.S. Bank. Almost Ruined my XXXX. Started off a bad XXXX XXXX. Can I get some help?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68521
Submitted Via: Web
Date Sent: 2024-01-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: These cards are an absolute joke, I tried to talk my mom out of getting them for XXXX gifts, but she thinks they're just like money. They are NOT. I've literally had to soak the card in soap and water just to get a glimpse of the actual number. I activated the card just as it instructs, online and called the number. I can not believe these instruments are even authorized to be currency. I'd love to see a balance sheet with these companies on how much is received vs spent because they are that hard to use. Especially since the amount has to be equal to or under the value of the card. Which almost always leaves at least money left on the card that will never be used by the recipient.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80016
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-19
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: XX/XX/XXXX I went to transfer money from my account into another one of my accounts. I was told there was an error and I needed to call a XXXX number. I did. I was told my account was being moved to a forced closed status but there were no notes to indicate why. I had a bank manager call and the bank representative told the bank manager the same exact information I was told. The Bank manager asked for further information or details but was told that no additional information is available and that the department in charge of closing the account and releasing the funds is a no content department and can not be called or spoken with. The Bank has thousands of dollars of my money. No explanation or time line has been given and the bank refuses to give any information.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 971XX
Submitted Via: Web
Date Sent: 2024-01-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-13
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: The company 's customer service is extremely hostile. They have locked me out of my account and I can not have access to my statements which are needed for filing my taxes. I need access to my account so that I can retrieve my statements.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: XXXXX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A