Date Received: 2022-08-17
Issue: Incorrect information on your report
Subissue: Old information reappears or never goes away
Consumer Complaint: I have already filed two complaints with CFPB about US Bank ( see previous complaint reports linked to my file ). CFPB did an excellent job of following through with US Bank, who promised to resolve the issue -- which US Bank did, only after being contacted by CFPB -- and removed my name and credit history from this HELOC. However, I recently started receiving letters, again, from US Bank, who are STILL TRYING TO COLLECT ON THIS HELOC. The letters come addressed to my DECEASED ex-husband at my home address. All parties involved have declared that I am not responsible for this debt, and my ex husband obviously is deceased. I have called repeatedly and told them this it is upsetting to have these letters continue to arrive in my mailbox. This debt should have been closed out years ago ( this has been going on for XXXX years ). I need them to STOP sending these form letters to my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-17
Issue: Other features, terms, or problems
Subissue: Privacy issues
Consumer Complaint: I received an email two days ago from Elan financial services for a credit card through my credit union. In the email there's a blue box that has three options 1. Get the app 2. Add a card 3. Go paperless. I select the option to get the app The next step I can choose Chrome which I do. Then I select XXXX or XXXXXXXX XXXX and I select XXXXXXXX XXXX This is the statement I get to download the app suggested by eland in their email with a pre download option. Leaving? By selecting " Continue '', you will leave myaccountaccess.com and enter a third party Web site. Elan Financial Services is not responsible for the content of, or products and services provided by XXXX, nor does it guarantee the system availability or accuracy of information contained in the site. This Web site is not controlled by Elan Financial Services. Please note that the third party site may have privacy and information security policies that differ from those of Elan Financial. Being an identity theft survivor and knowing how XXXX the major culprit allowing third-party data Steelers . I had to investigate further about elan. So I googled elan financial services. It's at the very top I click the blue this is elan financial services I go into it and there's a blue box that says 1. Banks 2. Credit Unions . I select credit unions. And this is the message I get going through their main website. Before you go, be sure you know : This link takes you to an external website or app, which may have different privacy and security policies than Elan Financial Services. We don't own or control the products, services or content found there. The young girl I spoke with XXXX told me that it should be my account access.com. So I go into that link. ONCE AGAIN! Asked to select XXXX XXXX or XXXX for the app. And once again it brings me to that first statement I quoted which does absolutely know good because it's allowing you to go to a website app that is done by a third party that they take absolutely no responsibility for what happens in it. Also I would never have thought of pulling up a site that said my account access it didn't State elan and when I open it there's still is not a single reference word about elan. This is probably a very gross oversight. But no matter how you try to get an app for elan financial services it keeps trying to send you to a third party app in which their policies procedures and privacy are nothing to do with elan. I spoke to her supervisor XXXX and I recommended after I told her everything I just told you that she should bring that up to somebody higher up before they start working on trying to correct it which I hope they do. I did tell them that I was going to follow through with this because this leaves the lay person without the knowledge and experience I've had for 45 years and every possible job credit cards Banks corporate resolutions.. So these are three different ways that elan tries to tell you to get the app so you can service and watch what happens with your credit card and it never ever has an app for ; MY ACCOUNT ACCESS.COM! THE ONLY WAY I COULD USE WHAT THEIR MYACCESS.COM SITE WILL DO TO WORK WITH MY CREDIT CARD WITHOUT DOWNLOADING AN APP IS TO ADD IT TO MY HOME SCREEN. Again I'm believing this was a gross oversight and again I did tell her I would be sending you this information and it needed to be followed up because it is leaving way too many lay persons and consumers out in the cold and preyed upon without their knowledge.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-08-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-16
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/2022, a fraudulent charge ( + XXXX XXXX XXXX # XXXX XXXX XXXX ) appeared on my credit card for the amount of {$40.00}. On XX/XX/2022, I contacted Meriwest Credit Union and informed them that this charge was not made by me and my credit card was stolen. On XX/XX/2022, I received a new credit card from Meriwest Credit Union. However, on XX/XX/2022, Meriwest Credit Union reversed the provisional credit to my account. I tried explaining to them several times that this charge was not authorized and me and credit card was stolen, but they refused to listen.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94109
Submitted Via: Web
Date Sent: 2022-08-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I opened a account with US Bank and I changed my phone and they put a hold on my account then closed my account and sent me back the {$25.00} opening deposit but held the rest of my money for over a month and wouldn't let me touch it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 296XX
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank sent me a notice on XXXX XXXX, XXXX of a new escrow analysis. The bank says my escrow is short {$3900.00} based on a prorated 12 months. In addition, my escrow deposit was raised from {$190.00} to {$410.00}. The bank added {$320.00} for the shortage spread plus the increased escrow deposit fee to my XXXX statement, increasing my payments to {$1900.00} from XXXX. My county taxes increased to {$3300.00} in XXXX from {$730.00} in XXXX. This increased amount ( {$2500.00} ) is reflected in my new escrow deposit. Based on the above, my account should be short {$1900.00} due to increased tax payments from XXXX XXXX. I asked US Bank if I could make a {$1900.00} payment or pay my full tax bill for XXXX so could they remove the shortage of {$3900.00}. The bank rep said the shortage fee would be there unless I pay {$3900.00}. The rep 's explanation of the the shortage fee doesn't make any sense to me. I believe there are hidden extra fees in the {$3900.00} because the numbers and explanation provided by the representative do not make sense to me. I told the representative if she could present or explain why the fee is more than what I owe and she could not. I told her I would report this issue to the CFPB and she did not seem to care. I would like the shortage fee removed and the hidden fees revealed and explained. Here is my information : Loan Number : XXXX Name : XXXX XXXX ( formerly XXXX XXXX )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80012
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Fraud or scam
Subissue:
Consumer Complaint: On Thursday, XX/XX/XXXX. XXXX was looking at rentals on XXXX XXXX XXXX. I found a rental XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX. 3 bed 2 bath and sent seller a message via XXXX XXXX place. This message was sent to XXXX XXXX according to her XXXX XXXX XXXX She messaged that the rental was still available. I replied asking if we could setup a walk-thru. She replied back stating to contact XXXX XXXX @ XXXX. I called the number for XXXX XXXX and left a voicemail. He then sent me a text message and we setup a time at XXXX to view the property. As I was driving there he sent me a code to access to property. He then called me as my wife and I was touring the property. We thought it was nice so he sent me an application. I completed the application and submitted it. He then asked for an Application Fee of {$150.00} which my wife paid via XXXX through our bank account to XXXX. He then asked for two more payments for the security deposit. One for {$500.00} and one for {$700.00}. My wife again paid via XXXX through our bank account to XXXX. I then noticed a sign on one of the walls that had a XXXX code to scan. I scanned it and it took me to XXXX XXXX website. My wife called and advised them of what was going on. A lady from XXXX XXXX informed us that this was their property and that whoever we were talking to is a scammer. She advised us to contact the police. I then told the gentlemen on the phone that we know he's not the owner and that we wanted our money back. He then texted me XXXX XXXX with email XXXX stating he was his attorney and that I would have to pay another fee to get our money back. I did not pay. He then asked me to go get a XXXX XXXX and he would return my money. I refused as my wife researched this and found it to be used by scammers. He then had a gentlemen call me from XXXX and try to convince me that this was a legit transaction. I told them they were lying and I wanted my money back. We called our bank ( US Bank ) and filed a claim. Unfortunately, they opened an investigation but could do nothing else at this time. We contact XXXX and their message just refers us to contact our bank. The gentlemen from phone number XXXX and I have been texting back and forth. He keeps stating not to contact the police as he doesn't want any trouble. I told him if he just gives our money back. {$1300.00} in total. He stated he would have to go to the bank. He then stated he would get my money back to me in the monring. So this morning, XX/XX/22 I texted him and he said he was going to the bank. Then he asked me to send his transaction history of the three transactions. I refused. I have the complete history of the messenger chat, text messages, and partial voice recording of the conversation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32829
Submitted Via: Web
Date Sent: 2022-08-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My account is new. 2 checks got deposited one of them bounced back the 1st 1. The 2nd one cleared I have the money in my account my account is not closed And there's no way I could touch it or use it is it and when I call a bank the they keep giving me the back-and-forth run around. I Have your family and have bills to pay and it's not fair that I can not touch my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90028
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
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: In XX/XX/2022, i purchase 4 tickets to an even in XXXX XXXX for XXXX. ( XXXX XXXX weekend ). On multiple occasions i have contacted XXXX XXXX requesting my tickets be delivered to me because hotel arrangements had to be made to travel .I never got the tickets ( XXXX XXXX did verify that i never got them ) and few days before the event i made a phone call once again saying i don't have the tickets, There was an issue with third party seller and they advised to make a claim with my bank. I called U. S Bank credit card and made a claim. They told me i will be issued a temporary credit until the investigation is done, in the meanwhile to wait for paperwork for US Bank that would need to be signed. I waited about for a month, called U S bank saying i didn't receive the paper work. They verified the address and said to wait for another set. Never received it and called again telling them i need to have the paperwork sent to me again. After multiple attempts U.S Bank supervisor said the case is closed because they have not received a signed paper from me. I have pleaded explaining that I've been calling because i have not received the paperwork to offer another way of delivery and they denied the help because by then it was passed 60 days and the case was closed and to take it up with the merchant.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-14
Issue: Took or threatened to take negative or legal action
Subissue: Sued you without properly notifying you of lawsuit
Consumer Complaint: In XXXX, XXXX, I received a notification from a credit monitoring app that a new collections account was listed on my credit report with the name, " XXXX XXXX XXXX XXXX collecting the amount of {$19000.00}. This is the only reason I have any awareness the collection agency, as they have made absolutely no attempts to contact me directly. I have been working with XXXX XXXX XXXX XXXX to help me negotiate debt settlements since XX/XX/XXXX and I immediately notified them of this new account. They contacted your XXXX XXXX XXXX to try to settle this collections account several times. On XX/XX/XXXX XXXX failed to deliver a certified letter, that I can only assume was sent from XXXX XXXX XXXX, because I was traveling to support family members with XXXX XXXX. On XX/XX/XXXX, I received a letter from the Superior Court of Arizona regarding case XXXX. The plaintiff ( XXXX XXXX XXXX XXXX entered a Ex Parte Motion on XX/XX/XXXX to Allow Service Under Ariz. R. Civ . P. 4.1 ( k ). The motion stated Defendants are evading service of process but the plaintiff provided no evidence to support the allegation. The court denied the motion as the fact the Defendant ( me ) lives in a secure building does not constitute evading service. Between XX/XX/XXXX and XX/XX/XXXX, XXXX XXXX XXXX XXXX has worked on my behalf to make several offers to settle this debt, with no response from XXXX XXXX XXXX. This collections company has failed to contact me directly about this matter since acquiring the debt, and it has become clear to me that they would prefer to abuse the Arizona courts system, using it to intimidate and harass me and waste taxpayer resources. I am trying to arrange funds and have good intentions of paying off as much of my debts as possible. I have emailed them directly, including the attached letter regarding my recent financial hardship for their consideration, assuming it acts as valid proof that I have attempted to settle said debts. XXXX XXXX XXXX has made no attempt to contact me directly or respond to my numerous attempts to settle this debt without the Arizona Courts. I am submitting this complaint because XXXXXXXX XXXX XXXX is abusing the Arizona Courts to harass and intimidate me. Regards, XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 850XX
Submitted Via: Web
Date Sent: 2022-08-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-08-15
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: Was given a prepaid XXXX card for XXXX as a gift. The card is for {$100.00}. Tried to register the card today, XX/XX/2022 and the card already had a purchase of {$95.00} from target in XXXX in XX/XX/2022. I live in XXXX XXXX. Called PrePaid Gift Balance to file the issue. Stated I need to put it in writing through their website. There is no where to submit the issue to them and I can not register the card anymore as they have deactivated it. Something doesnt seem right about this as they ask me to send my ID, and I was like, no. Why would I when I do not know who you all are. This all seems weird.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08857
Submitted Via: Web
Date Sent: 2022-09-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A