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
Date Received: 2024-01-13
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I requested multiple balance transfers to the card. After carefully reading their terms and conditions payments are supposed to be applied to the oldest balance when there are more than one balance with the same interest rate. This is NOT being done by the credit card company. I contacted them on XX/XX/XXXX to alert them to the payments not being applied correctly. They are not willing to follow their own terms.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 038XX
Submitted Via: Web
Date Sent: 2024-01-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/year>, XXXX XXXX attempted to make a single deposit of XXXX checks into the US Bank ATM located in the parking lot of XXXX XXXX XXXX XXXX XXXX, IL, in front of XXXX XXXX XXXX corporate headquarters. The first check was for {$10000.00} and the machine appeared to register this check without problem, then asking for the second check of {$730.00}. While the machine was registering this second check, it appeared to experience a power loss or some other problem that rendered the machine unresponsive and inoperable. A receipt was not received, but the machine had taken possession of both checks. After XXXX claims have been filed and over a month has passed, we have finally been notified of a provisional credit to our account. US Bank has made numerous errors and we have lost time and money ( % that should have been earned ) in the meantime.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
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: 2024-01-18
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/ I received a U.S. Bank XXXX XXXX XXXX Card in the mail ... that I did NOT request and I did NOT authorize and I did NOT complete and I did NOT submit any information towards a new debit card or credit card. I am afraid U.S. Bank has stolen and obtained my personal information and financial information to use for fraudulent purposes. It is a SCAM. I will NOT contact U.S. Bank knowing they have stolen my personal and financial information. I do NOT want their U.S. Bank XXXX XXXX XXXX XXXX. I do NOT want them to keep or use my personal and financial information. I want U.S. Bank to remove/delete/purge my information from their system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 064XX
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: 2024-01-18
Issue: Struggling to pay mortgage
Subissue: An existing modification, forbearance plan, short sale, or other loss mitigation reli
Consumer Complaint: I tried to set of a forbearance plan in XX/XX/XXXX following a hardship and was granted a 6 month reduced payment period. At the end of XXXX I called to confirm they showed my payments applied and that I had done what I needed to do far since they reported my account behind while I was on the plan. They confirmed the received my payments etc and even though I made my XXXX payment early in XXXX because of holiday they said I would still need to make a payment during the month of XXXX too I told them I understood and would do that. Then the first week of XXXX I started receiving multiple daily calls telling me I needed to pay all the past due payments & they kept telling me I wasnt of a forbearance plan. I called the department handling and was told I was removed from the plan at my request which wasnt true I asked for a supervisor and was asked repeatedly to make a payment to bring account current I told them they had me on a plan I have paperwork & they kept saying Im not on a plan and could be in danger of foreclosure if I didnt pay. I yelled at them they were trying to deliberately foreclose by canceling my forbearance so they can make money on my property. I called back and spoke to someone else who listened to me and confirmed the plan was removed but she had this happen before due to a system glitch so she was going to listen to call where removed. She came back on and confirm I didnt ask to be removed and was escalating this issue. She called me back the next day ( XX/XX/XXXX ) and left me a message that they were correcting mistake but could take 60 days to fix. She said she noted my account so I wouldnt be accessed fees or get calls. Since then Ive gotten calls daily from them as early as XXXX asking me to pay and when I tell them theres notes about the mistake they suddenly see them and put more notes supposedly. This has been going on for a week with these calls and harassment. In the mail today I received a packet stating I requested assistance in a consumer assisted foreclosure which I DID NOT DO! Since they put the notes I. My file they have mailed me a letter packet daily with a pamphlet about avoiding foreclosure. How can all these notes be in my file yet they are still threatening foreclosure daily and calling me and harassing me like I didnt try to fix this already. I just switched my mortgage in XX/XX/XXXX to US Bank and now they are attempting to force a foreclosure so they can use my home to make a profit because I owe far less than its valued at. I didnt ask for assistance when I had XXXX and used my savings but then I had multiple things which needed replacement and then a car accident and used all the savings I had left before I asked for assistance under the impression that I could use the covid protocols in place at the time for a 3 month deferred payment to end of loan so my credit would be intact but instead my credit is ruined and now they are harassing me and trying to fast track a foreclosure. If I had any idea they would do this I never would have asked for assistance I wouldve stopped paying credit cards and just tanked my credit that way. I cant have them foreclose and leave me homeless over their mistake. This is beyond predatory and as a result all my other creditors are pulling my credit and compiling the problem. I asked for a 3 month deferred payment to the end of loan I was offered 6 month reduced payments which they cancelled after 60 days then sent me a letter to assist in foreclosure. I was NOT behind in payments prior to this plan and now I wish I could undue the damage they caused. Ive heard horror stories like this but thought there had to be more to it but apparently I was wrong. I never missed payments or paid anything late in my 47 years and in 2 months they destroyed my credit & have caused unnecessary stress & hardship on top of the hardship I already was dealing with. The whole point in the hardship program is to prevent this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64081
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: 2024-01-17
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I received a bill for {$22.00} on an account I had closed months before. When I called they said it was for my Cash Advance Account that hadn't been closed. I advised them I went to the bank, closed the account, theny said I owed some money, which I paid, then the owed me money, which they paid, then they cut up my bank card and I left. Months later I get a bill for {$20.00} for the Cash Advance.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94002
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-17
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Subject : Request for Resolution Regarding Reporting of Canceled Debt and Form 1099-C Dear ELAN FINANCIAL SERVICE , I am writing to address a critical issue related to the reporting of a charged-off account and the failure to provide the required Form 1099-C for the canceled debt. As governed by the Internal Revenue Code ( IRC ) Section 6050P, I, XXXX XXXX XXXX XXXX, had explicitly requested the issuance of Form 1099-C for the charged-off account. In my initial communication, I clearly requested the issuance of Form 1099-C for the charged-off account. Despite this request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. It has come to my attention that, by law and per the IRS, once a debt has been canceled, and a Form 1099-C has been issued, the credit report should no longer show a remaining balance due. The status of the account should be updated to reflect that it is no longer in a charged-off status, indicating that the debt has been canceled or resolved. Here are the key sections of the Internal Revenue Code that pertain to canceled debt reporting : IRC Section 61 ( a ) ( 12 ) : This section defines gross income to include income from the discharge of indebtedness. IRC Section 108 : This section provides exclusions from income for canceled debt in certain situations, such as insolvency or bankruptcy. IRC Section 6050P : This section outlines the reporting requirements for discharges of indebtedness by certain entities, including financial institutions. It requires the filing of Form 1099-C when applicable. Despite my clear request and the company 's commitment to resolving the matter, ELAN FINANCIAL SERVICE has not provided the necessary documentation. The reporting inaccuracies have the potential to impact my ability to accurately report canceled debt on my income tax return. As of the current date, the issues remain unresolved. I appreciate the opportunity to provide this information as part of the complaint process. If further details or clarification are needed, please feel free to contact me at XXXX XXXX XXXX # XXXX, XXXX, Texas XXXX, SSN : XXXX, XXXX : XX/XX/year>, XXXX. Thank you for your prompt attention to this matter. Sincerely, XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75206
Submitted Via: Web
Date Sent: 2024-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX, I established a checking account with U.S. Bank after receiving an invitation from their ads, accompanied by a {$400.00} new account promotion bonus code. Following the provided instructions, I initiated the initial deposit of {$100.00} and arranged for a direct deposit to meet the requirement of a total direct deposit of {$4000.00} within XXXX days from the account opening date. The direct deposit originated from my workplace, where I was employed at XXXX XXXX XXXX at that time. XX/XX/XXXX {$7800.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2200.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$5400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$2400.00} XX/XX/XXXX {$4000.00} Despite having a total direct deposit of {$36000.00} into my account, I did not receive the promised promotion bonus. I contacted the bank several times since XXXX, requesting an investigation into the matter. During each call, I had to clarify that my workplace was XXXX XXXX XXXX, causing my direct deposits to appear as XXXX rather than direct deposits in their system. The representative assured me that a case was created, but when I inquired about a case number, I was informed that only follow-up calls could track the status with no specific tracking number provided. The U.S. Bank neglected to address their issue, necessitating multiple follow-ups on my part. They failed to initiate an investigation to rectify the situation. Ive retained the account solely due to the promotional bonus because of the pending status, which also incurs a monthly maintenance fee. Despite my requests, the bank refused to correct the fee discrepancy. It appears the bank has engaged in misleading advertising, and I strongly suspect others may encounter similar issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95116
Submitted Via: Web
Date Sent: 2024-01-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-16
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: XX/XX/XXXX. Purchased 2 {$100.00} visa gift cards at XXXX. Did not work. Had to call number on back of card. See attached document that details the problems trying to get the cards replaced. I was finally able to get cards replaced on XX/XX/XXXX but they double charged me for the activation fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37129
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: 2024-01-12
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Dear US Bank, After exhausting all reasonable avenues for resolution within your customer service channels, XXXX and CFPB, I am formally requesting arbitration to seek a fair and expeditious settlement. Specific Issues and Potential Violations : Over the past several months, I have encountered the following significant problems with my account : Non-receipt of a replacement debit card : Despite repeated requests and assurances, I have not received a replacement debit card, causing significant inconvenience and hindering my ability to access my funds. This constitute a violation of the Electronic Funds Transfer ( EFT ) Act, which requires financial institutions to conduct electronic fund transfers in a timely and accurate manner. Unexplained closure of my account : Without prior notice or explanation, my account was abruptly closed, effectively limiting my access to my own funds. This action potentially violates the Fair Credit Reporting Act ( FCRA ), which imposes specific requirements on banks before taking adverse actions against a customer 's account. Lack of transparency and unresponsive customer service : Despite numerous attempts to resolve these issues through customer service channels, I have been met with inadequate responses, transfers between representatives, and a persistent lack of clarity regarding the reasons behind the account closure and ongoing review. This lack of transparency may violate the Fair Debt Collection Practices Act ( FDCPA ), which requires creditors to communicate fairly and accurately with consumers. Fair Credit Reporting Act ( FCRA ) : The FCRA does indeed regulate how banks and other entities use and report credit information. Before taking adverse actions based on information in a consumer report ( such as closing an account ), the bank must provide the consumer with a notice, including the specific information upon which the adverse action is based. The consumer has the right to review and dispute this information. State Laws : These laws vary by state but may prohibit unfair or deceptive practices, ensuring that banks follow proper procedures and provide consumers with notice before closing an account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11203
Submitted Via: Web
Date Sent: 2024-01-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A