Date Received: 2024-01-05
Issue: Communication tactics
Subissue: Frequent or repeated calls
Consumer Complaint: 1- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX , PA.XXXX ( XXXX ) sent my letters to connect {$10000.00} 2- XXXX calls me twice per week phone # XXXX XXXX time XXXX XXXXXXXX and XXXX time XXXX XXXX XXXXXXXX I want to stop calls and send letters because I am XXXX XXXX XXXX and have no income, receive money from Social Security only
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30093
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: I opened a business account with XXXX XXXX in XXXX montana. I asked her if there were any fees and she said no. I also asked for electronic communications. I have been charged XXXX $ XXXX for paper statements. I haven't done a thing with the account, no payments, checks, deposits or anything. I asked for my money back 3 times when I came into the bank 3 separate times. A banker closed my account this last time I was in the branch ( today XX/XX/24 ) without my consent. Now I am having an additional issue to reopen the account so I can get my XXXX XXXX I spoke with XXXX XXXX the first two times and nothing was done. I want to file a complaint because they didn't explain fees, lied about costs, and wasted 3 days of my time so far trying to get my money back and close my account. The manager XXXX XXXX was not knowledgeable about procedure and unwilling to offer any help. This is the worst bank I've ever dealt with!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MT
Zip: 59718
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-05
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: On XX/XX/2023 approximately XXXX dollars was used at a XXXX and later a XXXX on a stolen US Bank credit card after thieves had taken my hidden phone and wallet after breaking into my car. US Bank only sent a text trying to confirm the purchases, despite it being way over my credit limit. Later after calling to claim the purchases as fraud they then told me they marked it as fraudulent and debited the money back to be. Then without sending an email, text, or call reversed the decision and charged me that fraudulent amount on XX/XX/2023. I appealed the decision on XX/XX/2023 and over the phone on XX/XX/2023 but they denied my appeal because I hadn't filed a police report nor an insurance claim on the broken car window ( which I explained would've increased my insurance and was cheaper to pay out of pocket ... I also have the reciept for the new car window ), despite the constumer service rep agreeing on the phone that the spending on the card was out of character for my spending history. The rep spent 2 minutes determining her decision and based it solely off not having the police report/insurance claim, there was no attempt to check the signature at the store nor look into previous spending habits. I offered to demonstrate that XXXX XXXX XXXX had deemed the spending on my other card as fraudulent but that attempt was ignored. I have reciepts for insurance filed on my stolen phone, reciepts on the broken car window, and clearly the merchant should have a wrong signature used at the store but none of these were used to verify my claim. I was charged the fraudalent amount without any attempt to reach me electronically.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91316
Submitted Via: Web
Date Sent: 2024-01-05
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Someone intercepted XXXX XXXX pmts we made to IRS and XXXX, and tried to divert funds. We notified bank BEFORE funds were released, and they stopped payment. It's been over 4 months and we have NOT yet been credited! They at first said it was under investigation, then said disbursement had been approved, but still no credit to our acct!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92835
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I had a US bank world perks visa for many years. I had over XXXX miles saved up. On XX/XX/XXXX, US bank closed my account without notice. I lost all my rewards. They said they closed the account due to poor media coverage. This was poor media on my husband. I called US bank twice and also went into a local bank branch. They could do nothing to help my situation. US Bank has stolen from me by taking all my miles. I do not care about the card. I am able to get another credit card. I have good credit and no defaults.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55811
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I have been a victim of inaccurate reporting, and it is disheartening to see that my efforts to correct this discrepancy have not yielded the desired results. I have previously submitted dispute letters and followed the appropriate procedures outlined in the Fair Credit Reporting Act ( FCRA ). However, despite my diligent efforts, the inaccurate late payments persist on my credit report. CONNEXUS CU XXXXXXXX Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I would like to bring to your attention that other credit reporting agency have already taken corrective action in response to my disputes and have removed the disputed late payments from their reporting. I am left perplexed as to why your bureau has not followed suit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I purchased this card on XXXX XXXX,2023 for {$500.00} and the card was not working. I requested a replacement card on XX/XX/23 and submitted requested documents that included the receipt of purchase, images of the card and my personal identification. This information was sent multiple times via fax on XX/XX/23, XX/XX/23, and XX/XX/23 and received confirmation of successful delivery. The company claims they never received the documents any of the times. I've exhausted efforts to resolve this directly with the company and have resulted in filing this complaint
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20003
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: Dear CFPB Complaints Team, I hope this message finds you well. I'm writing to bring attention to a concerning issue related to inaccurate information on my credit report, particularly concerning accounts linked to XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) and Elan Financial Services. I've made numerous attempts to rectify these issues through different channels, yet unfortunately, I haven't received satisfactory responses or seen compliance with my requests. According to the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I am entitled to accurate reporting and validation of debts. Therefore, I am formally requesting specific documents and information to address these concerns XXXX XXXX XXXX XXXX ( also known as XXXX XXXX XXXX ) Copies of any contracts signed by me that validate my liability for the alleged debt. Documentation proving the authority to make claims. Any detailed evidence, including signed contracts, that establish my liability for the alleged debt. Certified copies of initial balance sheets for the account in question. The entire promissory note related to the debt. A comprehensive disclosure of the alleged agreement and all contracts contributing to the claimed owed amount. A contract specifically authorizing the pursuit of the alleged debt against me. For Elan Financial Services : Documents substantiating the contractual obligation linking me to the alleged debt. Evidence confirming authority to pursue the debt on behalf of the creditor. Complete disclosure of agreements and contracts forming the basis of the claimed debt. Regarding the credit reporting agencies ( XXXX, XXXX, XXXX, XXXX ) : Detailed records of communications with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that include names, authorities, contact information, and documented evidence. Similar records for communications with Elan Financial Services, including contact details and documentary evidence. Signed disclosures authorizing the disclosure, verification, and validation of my consumer accounts. Documentation outlining the methodology used to modify my consumer report, including sources of information and validations considered. These demands aim to secure comprehensive information and documentation necessary for validating the debts in question and the processes used by credit reporting agencies. I am deeply concerned about the inaccuracies and the lack of response from involved parties, which seem to violate consumer protection laws. I kindly request your prompt attention and assistance in resolving this matter. Thank you for your time and consideration.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75039
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: On or about XX/XX/XXXX I called US bank line of credit to know why I can not borrow from the line of credit, even though the line of credit showing {$1500.00} of credit line. The associate I was on the call with, confirmed US bank is accepting only payments from me. borrowing option is closed. After the call, around tow or three business days the account was reflecting what the associate was saying, {$0.00} available to borrow. So this appears US bank actually closed my account without letting me know. US bank used to say in the Ad, that they are the most ethical bank. Well, this is unethical and deceiving if you did not let me use the account and accruing interest and fees at the same time. I believe it is because of no financial institution can charge or add interest on a officially closed account. Also talked about a one time {$20.00} fee amnesty. The associate assured it would be reflecting within 48hours, which never happened. This is unethical. Thanks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 452XX
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-01-04
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: I have the US Bank XXXX XXXX XXXX. It allows you to select two 5 % categories and one 2 % category. For my 5 % category, I selected " Furniture Store '' and within that category, you can view " Examples. '' I shopped at a store clearly shown as an example with US Bank. I spent {$2800.00} at this store and US Bank awarded me 1 %. I have called their customer support multiple times and was promised a call back but I have not received anything. How many other people are they doing this to and how many times have I shopped at places they say will earn you rewards but they don't pay out. It's very misleading and they are committing fraud.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ID
Zip: 83642
Submitted Via: Web
Date Sent: 2024-01-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A