Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that my information is being misused and reported as inaccurate and I am filing this complaint to ELAN FINANCIAL SERVICE. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my XXXX instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I believe that my information is being misused and reported as inaccurate and I am filing this complaint to US BANK. In my credit report from XX/XX/2024, I still found these derogatory items that I was not aware of with inaccurate information, such as payment history, status, reference number, filing date, and date of last activity .According to 15 U.S.C . Section 602 and 15 U.S.C. Section 604 A Section 2, I have the right to privacy, and a consumer reporting agency can not furnish an account without my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 926XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with a purchase shown on your statement
Subissue: Overcharged for something you did purchase with the card
Consumer Complaint: I purchased {$1600.00} worth of gift cards from XXXX on XXXX XXXX, 2023. XXXX clearly had published on their website, that the denomination of gift card I had selected was {$100.00}. The purchase price for the {$100.00} gift cards, was listed as {$50.00}. But for XXXX listing, I would not have purchased {$1600.00} worth of cards, which totaled XXXX {$100.00} denomination cards. XXXX then sent me XXXX x {$50.00} gift cards on XXXX XXXX, 2023, which is a non-conforming good which I did not accept. I tried to resolve this by calling XXXX the same day they were delivered. XXXX told me that I could not get a refund or return the cards per the XXXX terms and conditions. However, XXXX terms and conditions do not mean that I accept the liability for the cards if the cards are not the proper denomination. I called XXXX again the following week to no avail. They told me it was a mistake and offered me {$25.00} in credits, which I reject. Whether or not it was a mistake that XXXX listed the card amounts wrong, they want to stick me with a purchase I would not have otherwise made. This is not reasonable. I then started a dispute with my card issuer, Fidelity Visa. They told me that they agreed with XXXX and ruled against me, citing that the receipt for the purchase equals XXXX x {$50.00} amounts. However, I asked them if the receipt shows the card denominations and they confirmed to me that the receipt does not. So the receipt merely reflects the purchase price of the cards, not the denomination which should have been issued ( I.e. {$100.00} x XXXX ). They then told me I didnt submit adequate proof, even though I had sent a screenshot of the {$100.00} denomination selected and the purchase price of {$50.00} on the XXXX XXXX. The agent, named XXXX, told me that even though the {$100.00} denomination was selected, there were other denominations that one could select. I asked how that is relevant because I didnt select the other ones, I had selected {$100.00} and also asked for a further explanation on how the XXXX XXXX was proof against me if it didnt show the denomination purchased. The agent then hung up on me, apparently unhappy that I was questioning my own dispute. Bottom line is, I was induced to purchase XXXX cards because of XXXX offer, and they want me to be stuck with the {$50.00} denomination cards instead of the {$100.00} cards as advertised, and I will not pay for them. I've attached the proof that XXXX listed {$100.00} denomination cards for {$50.00}. I've also attached one of the receipts for 10 cards as a sample of all the receipts ( I made the orders in like 6 different orders so no need to post them all ). The receipt clearly shows the total charged but no denomination amount - XXXX trying to claim that they shipped what I selected is blantantly false as I've showed. Fidelity Visa refused to see the logic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85711
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I will upload this as a XXXX in case the formatting gets lost : 1. US Bank has yet to answer the question Where did my line of credit come from? Yet they continue requesting I send them Federal Reserve Notes, as though they have actually loaned me anything. 2. They repeatedly keep my tender of payment while claiming they can not accept my tender of payment. 3. They repeatedly refer me to the Cardmember Agreement, which has been established as fraudulent, as it is based on the fraudulent premise they have provided me with anything of consideration. Fraud vitiates everything, from inception. 4. I have repeatedly returned their fraudulent Cardmember Agreement, along with other letters requesting Federal Reserve Notes ( which they have yet to prove owe ), instructing them to stop mail fraud. However, they continue sending me said fraudulent documents through the mail, while knowing theyre engaging in mail fraud. 5. UCC 3-603. TENDER OF PAYMENT states If tender of payment is refused, there is discharge, to the extent of the amount of the tender Thus, US Bank is in violation of approximately {$10000.00} worth of discharge owed to my account. 6. The refusal of tender of payment, a Bill of Exchange, constitutes Dishonor, giving rise to my right to seek remedy for Breach of Contract. 7. I have explicitly forbidden them from sharing any negative and identifying information with any 3rd party, such as the credit agencies, and yet US Bank continues sharing my personal information having a negative impact on the credit reports. This constitutes identity theft and violation of my privacy. 8. In addition to their violation of identity theft and privacy laws, US Bank is also sharing FALSE information, as I have never missed a tender of payment and have not used my credit card in a few months- yet they repeatedly report late/past due payments as well as a high balance and high credit utilization. 9. I did not authorize US Bank to close my account. On the contrary, I forbade them from doing so in numerous correspondences. Due to US Banks failure to perform on my tender of payment, I have not had access to my line of credit in months ; and now they have categorically restricted all access to my account. There are more violations ; however, for the sake of brevity, I will not list them in this particular section in this particular complaint. For the Record : I hereby opt out of any Arbitration Clause I may have unknowingly - or even knowingly- opted into. I do not wish to resolve disputes with US Bank through Arbitration. Again, I reject the arbitration clause in the US Bank Cardmember Agreement and any other contracts/agreements that I may have previously agreed to. This opt-out remains in effect even if US Bank can demonstrate their Cardmember Agreement to be valid. Thank You for noting my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 972XX
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: Im writing about the following data that appears on my credit report. Im challenging the validity of this record showing a debt that is recorded in your system under the FCRA, Fair Credit Reporting Act, Section 609. I am asking you to remove this record. If you can not remove this record, I request you remove this data from my account immediately. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX US BANK XXXX XXXX I want this deletion from my report 3 bureaus.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80231
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-08
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: I make additional payments each month and U.S. Bank has refused to apply the extra money correctly. I have asked them 3 times to correct this situation and they have refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97702
Submitted Via: Web
Date Sent: 2024-01-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There is information that on my consumer report that is a result of identity theft. I did not provide written permission of instructions for the identified transactions to be reported on my consumer report. I am requesting that the reporting of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. You are in violation under 15 U.S.Code 1681i ( 5 ) removal of Inaccurate/Invalidated Credit Information and 15 U.S.Code 1681 ( e ) ( b ) Compliance procedures maximum possible accuracy & section 604 15 us code 1681 B. The identified transactions are not information related to any transaction by me as the consumer ( see attached )
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30324
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Subject : Complaint Regarding Opening a U.S. Bank Checking Account Dear Customer Financial Protection Bureau ( CFPB ) Representative, I hope this email finds you well. I am writing to file a formal complaint against U.S. Bank regarding their considering the Checking Account ending in XXXX as an opened account of mine. I applied a U.S. Bank Checking Account ( ending in XXXX ) and the application was approved on XX/XX/2022. I didn't make a minimum opening deposit of {$25.00} and the Checking Account ending in XXXX should not be considered as " opened ''. However, U.S. Bank regards the Checking Account ending in XXXX as an opened account of mine. Therefore, I have a serious concern about the definition of " open an account '' because the term " open an account '' is not rigorously defined and clarified to consumers from the side of U.S. Bank. From an official U.S. Bank website ( see Attachment XXXX XXXX XXXX XXXX ), footnote 11 in the Disclosures says " {$25.00} minimum deposit required to open a U.S. Bank consumer checking account ''. On an official U.S. Bank webpage ( see Attachment 2, " What you need to open a checking account '', XXXX XXXX XXXX ), " a minimum opening deposit of {$25.00} to activate your account ( once youve been approved ) '' is listed as one of the requirements to open an account. In my point of view, an account can be considered as " opened '' only if the application of the account is approved and the account is activated with an opening deposit of {$25.00} or more. Another similar statement from an official U.S. Bank website ( see Attachment XXXX, XXXX XXXX XXXX ) says " open an account in minutes with a minimum balance of {$25.00} ''. Based on the statements shown on the official U.S. Bank website, an account can not be considered as " opened '' without a minimum balance of {$25.00} from the consumers ' perspective. Moreover, I contacted one of the U.S. Bank agents, by which I was told that " since I had not made a {$25.00} initial deposit, my account ending in XXXX was not considered opened ''. If I was clearly told and explained by U.S. Bank agent or official U.S. Bank website that the approving of an application is considered as " opening an account '', I would never close the account ending in XXXX. To be concluded, the account ending in XXXX should not be considered as " opened '', therefore I didn't have a U.S. Bank consumer checking account in the last XXXX months. I request that the U.S. Bank should not consider the account ending in XXXX as an opened account of mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22202
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I have for the second time within a year responded to a solicitation from US Bank that I received via U.S. mail implying that I am preapproved for a second State Farm / US Bank credit card, the State Farm / US Bank Good Neighbor credit card. I submitted a complaint to you on or about XXXX XX/XX/XXXX regarding this same solicitation. Because my financial situation has only improved since I was denied the credit card last XXXX, I again applied for the credit card only to again be turned down even after asking for reconsideration based upon the fact that I am only utilizing XXXX percent of my total available credit lines from all the credit card accounts that I have maintained perfectly. My debt-to-income ratio is low by any standards looked at. My home is almost paid for and is valued at almost {$300000.00} though I only have {$30000.00} left to pay on the mortgage. I just received a XXXX percent XXXX increase on my government-backed income bringing it to {$95000.00} per year. I could liquify my assets and pay off all my debt this week should I so choose, but because, except for the XXXX percent I am paying on my mortgage, I am not paying any lender any interest at present so why should I pay off the balances owed my credit card companies ahead of time? Therefore US Bank should reconsider its position and XXXX me the credit card it solicited me to apply for repeatedly last year.
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: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-07
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: This complaint is regarding US Bank. I received a cashier 's check in the mail from an unknown Sender for {$3500.00} and an offer to become a " XXXX XXXX '' at local businesses in my area. I was to enter the businesses, critique the staff and store, buy gift cards from several different specific stores totaling {$3000.00}. I was then to send pictures of the giftcards to the Sender. I would be able to keep {$500.00} for the XXXX XXXX services. I thought it sounded fishy and was suspicious. I took the cashier 's check to my bank and told the teller of my concerns. I asked her to confirm whether or not the check was valid. She took some time in the back, and eventually returned and told me yes, it had " gone through ''. She gave me the {$3500.00} in cash. I completed my services for the Sender, sent him the receipts as requested and was done with it. Approximately XXXX week later I received a notice from my bank that the cashier 's check had been fraudulent, and they wanted their {$2800.00} back as they had already deducted all my money, {$700.00}, which was all the money I had in the account. Understandably, I immediately cancelled the account and left that bank. Now years later, this has shown up on a credit application check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92530
Submitted Via: Web
Date Sent: 2024-01-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A