Date Received: 2022-05-02
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: The bank representative started off by promoting their credit card the XXXX XXXX in XXXX as he stated their wonderful product that gave XXXX points for dining and XXXX points for groceries and gas. Those are the things I use most so I was sold on the concept. So I applied and he suggested to use the mobile app and go paperless. I started the mobile app but still requested the paper statements to cross reference if I needed too. I recently needed to cross reference some charges and realized I have not been getting the points I was told in the very beginning. I am actually getting XXXX points for dining and XXXX points for groceries and gas. Its been going on since when I first got accepted even though the mobile app states XXXX getting the XXXX and XXXX. Basically its fraudulent that they advertise XXXX thing but give you another. Bait and switch is what I have and Ive contacted US Bank card member services on XX/XX/XXXX, XX/XX/XXXX. The first customer service person lied about my points. She insisted I am getting the correct points. The second customer service rep XXXX acknowledged the discrepancy and offered me XXXX pts. I agreed to it and also wanted all my points from the very beginning to be added to my account. She told me a supervisor would contact me on Friday, XX/XX/XXXX but nobody called. I then called today XX/XX/XXXX and spoke to XXXX and then XXXX the supervisor from card services at US Bank, Altitude Go which stated they are looking into it. I told her to add up my purchases for dining and they dont add up to XXXX points. She refused and told me rewards department would do it. I never got XXXX points stated by XXXX on XX/XX/XXXX. I did receive a survey of my call experience but XXXX quite dissatisfied. False Advertising/ Bait and Switch Tactics by US Bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91745
Submitted Via: Web
Date Sent: 2022-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Credit Reporting Act XXXX XXXX # XXXX and XXXX # XXXX XXXX violated my rights. 15 USC 1681 Section 602 states. I have the right to privacy. 15 USC 1681 Section 604A Section 2 : It also states a consumer reporting agency can not furnish account without my written instruction. 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end 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: GA
Zip: 30236
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Getting a credit card
Subissue: Card opened as result of identity theft or fraud
Consumer Complaint: I contacted the fraud department at US Bank, told them I believed I was the victim of identity theft. They confirmed someone had used my social security number to apply for for a credit card, but had no one available to help me and were not able to post anything that the card was fraudulent. I would have to call back when application services was open. According to their website you are to contact them immediately if you believe you are the victim of identity theft, but they then have no one available to help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18951
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-05-01
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: ELAN card services, the servicer of my fidelity rewards visa, continues to decline legitimate transactions. This is apparently due to false positives on their fraud model. I've contacted them multiple times on the past few days, put a travel note on my account and asked to receive fraud notifications. Despite this, they continue to decline transactions without sending me notifications.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98370
Submitted Via: Web
Date Sent: 2022-05-01
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: US Bank is illegally holding my money and won't let me close account. Went to bank to deposit an {$11000.00} check. This was fine. XXXXaiting the standard 5 days for it to clear, which it did. Then went to bank to wire funds and get access to that money. US Bank refused, despite funds being available in balance. Then the next day I complain and all the sudden I can't login to bank account. When I call customer support, they tell me the account has been closed, yet can't give me a reason. They say it is undergoing an " account review '' although this makes no sense. US Bank refuses to give timeline for when I will receive check for funds in balance and branch XXXX XXXX XXXX XXXX at the XXXX XXXX NC XXXX says they could hold funds FOR MONTHS. This is totally unreasonable. Never bank with US Bank they are scum!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28117
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
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: Elan Financial fraudulently, willfully and repeatedly reporting my credit card ( ending XXXX ) balance much before the closing date ( See attached Exhibit 1 & Exhibit 2 ) in violation of FCRA, Electronic Fund Transfer & Electronic Wire Transfer. This has caused XXXX score to drop XXXX points. ( Exhibit 1 ) Elan and XXXX have given plenty of opportunity to do things under federal laws. Elan and XXXX refused. This would be the second lawsuit against XXXX since XX/XX/2021. Thus the current lawsuit against Elan shall include XXXX XXXX, General Manager, XXXX XXXX Senior Vice President, XXXX XXXX and XXXX XXXX of Elan Credit Card in personally capacity. Because of the lawsuit, Elan must NOT contact me personally. cc. Law offices of XXXX XXXX, XXXX XXXX, CA
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92887
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: U.S Bank has decided to close my account because they were trying to protect my account from fraud because of the activity on my account, however they locked me out of my account and I had about {$2700.00} in my checking account. I have tried to call them numerous times and all they do is transfer me to the fraud department just to get the run out and get transferred back to customer service. They informed me they would be closing my account about 3 or 4 different times now and here I am waiting for the closure to take place so that I can have the funds released to me via check because they will not give me access to my account whatsoever.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60126
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX, I opened a silver business checking account with banker XXXX XXXX XXXX XXXX at the US Bank branch at XXXX XXXX XXXX XXXX, XXXX, WI XXXX. He walked me thorough the website to open the account & register for online banking, registering for the promotion for a {$300.00} bonus when {$3000.00} was deposited with 30 days of account opening & online banking activated. He confirmed I qualified for this bonus # XXXX he added to my application, and that activating my online banking with him qualified me to receive the {$300.00}. He also mentioned that depositing the new {$3000.00} in funds via ATM or lobby in person will be ok since the mobile app wasn't working for 30 days as a new account holder & a wire transfer or ACH wasn't available. After following up with XXXX-8 US Bank employees in various departments the past 2-3 months since XXXX & calling the IT desk, business services, stopping by the branch in person & emailing various departments via the website every few weeks, they verified I qualified for the bonus several times, and were just waiting for the team manager that did the review to activate the bonus. With my last interaction XX/XX/XXXX with XXXX XXXX at the same XXXX XXXX branch phone : XXXX, he mentioned I didn't qualify for the {$300.00} bonus since I didn't deposit the {$3000.00} on XX/XX/XXXX via mobile deposit. I told him I was told any means of deposit including ATM & lobby deposit would qualify me for the bonus by XXXX via phone & XXXX 's email correspondence confirming I qualified for the {$300.00}, since the mobile site wasn't working when we opened the account online together with Banker XXXX XXXX XXXX XXXX. I followed all the instructions given exactly, and was assured I would receive the {$300.00} account opening bonus by XXXX. Now 14+ hours of follow-up ( several more voicmails left for XXXX & XXXX XXXX XXXX XXXX XXXX branch ) & several months later I have still not received it. I would like to be paid and receive compensation for my 14 hours to date ( XX/XX/XXXX ) of wasted time by their stonewalling & fraud bait & switch tactics. The US Bank culture is rotten & as an XXXX XXXX myself, I see several material weaknesses & fraud risks throughout this organization. I still had access to former entity accounts form 2+ years ago & that same entity had their email on my new account opened up in XXXX. I was also accosted at their ATM & when I reported it to the tellers that day, nothing was done " we have no security today ''.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53211
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-30
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Few months ago, I had discovered that I was a victim of identity theft. I discovered that someone unknown to me had used my personal information to open an account with Elan Financial. As soon as i find out about this account i did file an identity theft report and i sent a copy to elan financial and sent copies to all three major credit reporting agencies. i requested from elan financial that comply with my request in the following matter, Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report I also requested that do the following. Stop reporting false information about this debt to credit reporting companies Provide me with the records I requested. As of today, I have not received no documents supporting the information they are reporting to the credit bureaus. Which is damaging my benefits that i can have with good credit. If you look at my credit report not only you will see excellent credit history for over twenty years you will also see the high limit credit card not XXXX dollars that the are reporting falsely under my name. today i checked my credit report my credit score dropped XXXX points and they reported false information that i made partial payment with no evidence to the credit bureaus and me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-04-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-04-29
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: UPON RECEIPT OF FINANCIAL STATUS THE CONSUMER HAS BEEN FURTHER DAMAGED BY THE NEGILENCE OF US. BANK ( AKA XXXX ' ) TO CORRECT THE CREDIT REPORTING AND DEBT THAT DOES NOT BEYOND TO THE CONSUMER PER CONVERSATION WITH XXXX OF U.S. BANK ON XXXX XXXX, 2022 THE CONSUMER ATTEMPTED TO ADVISE OF THE DESTRUCTIVE ACT BY U.S. BANK NOT TO ACCEDPT ONUS THAT THE CONSUMER REPORTED MULTIPLE DEFICIENCY WITH PRIMARY CONCERN TO PROTECT THE CONSUMER FROM FURTHER DAMAGE SHOULD ENTITIES CONTINUED TO SUBMIT FALSE TRANSACTIONS TO THE CONSUMER CREDIT CARD BY THE STANDARD TECHNIQUE OF CLIMAING TO REQUIRE SAID CREDIT CARD WITH ALTERNATIVE INTEREST TO OVERCHARGE CONSUMER FOR FALES TRANSACTIONS THAT WERE NOT ONLY NOT ACCEPTED BYTHE CARDHOLDER BUT NOT WITHIN THE BASIS OF THE LAW OR THE FAIR CREDIT REPORTING ACT. U.S. BANKS COULD HAVE JOINTLY WORKED TO PROTECT THE CARDHOLDER BY TRANSFERRING MEMBERSHIP TO ANOTHER ACCOUNT BUT DID NOT PROVIDE THAT ALTERNATIVE TO THE CONSUMER. HAVING MAINTAIN EXCELLENT STATUS WITH U.S. BANKS WITH EITHER NO LATE PAYMENTS OR DEFICIENT PAYMEN ( S ) U.S. BANK SHOULD HAVE PROVIDED ENTITLEMENT TO THE CARDHOLDER BY STOPPING ILL GOTTEN CLAIMS BY ENTITIES FOR THE PURPOSES OF ILL GOTTEN MONIES. TO DATE THIS HAS CONTINUED & REDRESS IS IN ORDER!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89169
Submitted Via: Web
Date Sent: 2022-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A