Date Received: 2022-03-28
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: I had a 0 % thru XX/XX/22 in accordance with the terms of my card. I sent a payment of {$3100.00} to Elan. They returned the payment that was mailed on XX/XX/22, it returned to me XX/XX/22 alleging they do not accept cashiers check from the state of hawaii, alaska, XXXX, XXXX or XXXX XXXX or any US terrorites over {$2500.00}. I requested the charges of {$100.00} and {$86.00}. I redeposited the check into my checking account from my bank which had a stale date ; the funds will be redeposited in 5-6 days, I will be subjected to additional interests. I am asking the bank to credit me interest charges as they have not kept there original arrangements of 0 % thru XX/XX/22. I called, ask for a supervisor never got a return call, and no one has authority to fix my credit card. I want to make a payoff payment on my XXXX with Elan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96753
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX, I purchased 10 general-purpose {$100.00} XXXX gift cards from XXXX XXXX. When I got home I took photographs of the backs of XXXX of the packages for my records. I did not take a photo of the XXXX because I didn't realize until much later that I had two photographs of one of the cards. I have a copy of the original receipt and the activation status receipt from XXXX XXXX. The back of the card package has the verbiage : " In case of loss or theft of your card, keep your purchase receipt or provide to gift card recipient ''. No where does it say that you must open the package and register using the 16 digit card number from the front of the card to obtain loss/theft protection. On XX/XX/XXXX, I gave all ten cards to my brother-in-law to assist him in driving from Colorado back to his home in Florida. On the morning of XX/XX/XXXX, he called us to let us know he lost the cards. He stated that eight of the cards when unopened/unused, one was partially used, and XXXX was completely used. I went to the US Bank website www.prepaidgiftbalance.com address provided on the back of the card package to report the loss. Their website required the 16 digit XXXX XXXX numbers to start the reporting process. I did not have this information because it is not visible unless the package was opened. The website did have a customer service number ( XXXX ) that I called. I talked to XXXX and she asked that I fax them documents asking for a loss replacement, copies of the receipts, a government ID, and my contact information. In addition to this information, I also provided the unique 30 digit card IDs visible through the package. I did fax this at XXXX am ( XXXX ). XXXX indicated that they should issue replacements in 7-10 days. I faxed this information to XXXX. After not being contacted in any manner by US Bank or receiving replacements, I made the same request a second time on XX/XX/XXXX. This second request indicated that I had already contacted them and had not heard a response. In this request, in addition to the original attachments, I also attached copies of the backs of nine cards showing the 30 digit ids. The US Gift card cardholder agreement states " It can take up to 120 days to investigate ad resolve your claim. I waited the 120+ days and have not been contacted by US bank by phone, email, or by US mail. On XX/XX/XXXX, I made an appointment at the US Bank located at XXXX XXXX XXXX, XXXX XXXX XXXX XXXXXXXX. I met with XXXX XXXX at XXXX to review my issue and what I have done to date. At that time we contacted the customer service number listed above in a conference call. The call center agent asked that I fax the information in one more time and also include a copy of a bill proving my address. The bill proving my address was the same address I had provided as part of my contact information but is different from my Colorado State ID. We explained to the call center agent that in the state of Colorado, they do not issue replacement ID cards when you move. The call center agent asked that give them two days to start the replacement process and to contact them again. I faxed all the original documents previously provided and a copy of a bill at XXXX pm the same day. On XX/XX/XXXX, at XXXX, I contacted the customer service number to inquire about the status of my request. I talked to XXXX XXXX ( sp? ) and gave her the background of my requests. She was not able to look up the information using the 16 digit XXXX XXXX numbers which I did not have. She was also not able to look up my request using the 30 digit IDs I did have. She did try to look up the request by my name and address and was unable to locate any information. She then transferred me to XXXX who is a senior representative. She also offered to look up my request using the same contact information and I explained that XXXX had already tried that. She recommended that I go back to where I purchased the cards to get the 16 digit card numbers. As the 16 digit card information is not visible through the packaging or on the receipts, I feel at this point US Bank has been provided sufficient information and time to replace my lost cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80132
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I closed on my home XXXX XXXX. The property taxes were included in the closing costs. I was advised through mail that XX/XX/XXXX Fidelity Mortgage was selling their accounts to US Bank Mortgage which whom would be our new mortgage company. I receive a bill from the XXXX XXXX treasurer dated XX/XX/XXXX for property taxes. I spoke XXXX at US BANK Mortgage on XX/XX/XXXX whom stated the payment to the county was denied. I made a case/ticket with US bank for the taxes to be paid. Advised to call back in 10 days. Call back and spoke with XXXX XX/XX/XXXX she stated there was a approval to pay but no payment made yet. Call back in XXXX. Call back on XX/XX/XXXX and spoke with XXXX whom stated no payment made and needed to make another case/ticket. Call back in 10 days. Call back XXXX and spoke with XXXX whom stated on XX/XX/XXXX check was sent. Call back in 10 days to verify. Call back XXXX spoke with XXXX whom stated it was paid but needed a email sent of the property tax bill to pay the interest of {$69.00}. Email sent XXXX. Email again on XX/XX/XXXX to verify if paid, no response. Call back ok XX/XX/XXXX and spoke with XXXX whom transferred me to XXXX to verify if interest has been paid and was told the penalty and interest rates is now {$400.00} and check was sent to county treasurer on XX/XX/XXXX for the amount. Call back in 10 days for check to clear. As per my US BANK MORTGAGE app states the original amount was deducted from escrow on XXXX. I called XXXX XXXX treasurer on XX/XX/XXXX to verify and XXXX stated they have not received any payments from US bank mortgage. They stated if the amount is wrong they would send the check back to the mortgage company. As of XX/XX/XXXX my property taxes, interest and penalties have not been paid by US bank mortgage when I originally paid my property taxes on XX/XX/XXXX at closing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73132
Submitted Via: Web
Date Sent: 2022-03-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-28
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: XX/XX/XXXX I received a card in the mail noted as a XXXX XXXX in my name : XXXX, exp XX/XX/XXXX in which I am unaware of any affiliation with a DC.gov card with U.S. ReliaCard Bank ( USBANK ). The phone number on the documentation listed cardholder services as XXXX. When contacting the organization, I was asked for my birthdate and social security number which I clearly would not provide. The customer service representative would not provide any information as to the legitimacy of the card or who they represent unless I provided the personal information requested. I did not request any XXXX card listed. Their return address on the very official-looking paperwork is District of Columbia XXXX XXXX XXXX XXXX, XXXX, IN XXXX. I am happy to provide any and all information that I have received.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
Submitted Via: Web
Date Sent: 2022-04-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: As of the XX/XX/XXXX US Bank credit card statement ( closing date XXXX ) the outstanding balance on this account was {$9800.00}, all from balance transfers currently at 0 % interest with the earliest 0 % to expire as of the XX/XX/XXXX statement. The minimum payment required on this statement was {$99.00}, due by XX/XX/XXXX. There were no outstanding purchase balance as of this statement. On XX/XX/XXXX a payment of {$100.00} was made to this account to more than satisfy the minimum payment due of {$99.00}. On XX/XX/XXXX a charge was made to XXXX XXXX and XXXX for {$400.00}. On XX/XX/XXXX a payment in the amount of {$400.00} was made to cover this {$400.00} charge. The XXXX credit card statement ( closing date XX/XX/XXXX ) shows the {$100.00} payment, the {$400.00} charge, and the {$400.00} payment on the dates above, but it shows an interest charge of {$3.00} and an outstanding purchase balance to {$400.00}, with {$270.00} of this subject to interest at 14.15 %. The XXXX statement shows an additional {$4.00} in interest, with an outstanding purchase balance of {$400.00} and {$400.00} of this still subject to interest at 14.15 %. The XXXX statement shows and additional an additional {$4.00} in interest, with an outstanding purchase balance of {$410.00} and {$400.00} of this still subject to interest at 14.15 %. No new purchases have been made since the {$400.00} charge on XX/XX/XXXX, and all minimum monthly payment have been made on time since that date, yet interest keeps being charged and a purchase balance is still showing every month. This bank is not following the rule dictated by The Credit Card Accountability, Responsibility and Disclosure Act of XXXX, of applying all payment in excess of the minimum payment XXXX to the portion of the balance at the highest interest rate. Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 088XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-27
Issue: Trouble during payment process
Subissue:
Consumer Complaint: On XX/XX/2009 US Bank Trust fraudulently used my estate and credits to fund their irrevocable trust with my home and my credits, the only paid {$1.00} and now I have filed a involuntary bankruptcy as the creditor who provided the credits and US BANK TRUST placed my property and credits it their own Business without disclosing and intentionally failed to disclose. My property has been paid with my promissory note from my estate and I am the lender who was criminalized by US BANK and US Bank Trust Securities Trustee is XXXX XXXXXXXX XXXX, now Ive requested that no taxes or interest be applied because I am the mortgage that was used to mortgage my home and no credits was given to me by this business and I would like them to remove their claim of liens because I havent signed anything placing me in a contract! Fraud has been committed and now I was forced into a forbearance that I never gave permission for them to lien in payment and I requested that all mortgage payments be cancelled on my 1099 a cancelling is bank debt of a {$1.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 631XX
Submitted Via: Web
Date Sent: 2022-03-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: US Bank through XXXX did not send me a bill for last month and then proceeded to charge me a {$29.00} late fee. I called them to report it and they did not reverse the late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 453XX
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-26
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Account inquires i did not all or give authorization dates 2 different account bout for XXXX, 2022 and XX/XX/2022.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60644
Submitted Via: Web
Date Sent: 2022-03-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Elan Financial, servicing the XXXX XXXX XXXX XXXX ( GLCU ) account I have, " converted '' my card XX/XX/2022 with a differently numbered card. It now ends in XXXX. They have been calling me every day in XXXX trying to collect a minimum payment of {$25.00} on this account. I have never received a statement for this new card! I made a total balance payment on the old numbered account ( ending in XXXX ) on XX/XX/2022, but they claimed they never received it. I sent them a copy of the front and back of the check, as they requested, showing that it cleared XXXX on XX/XX/2022. They continue to try to collect. They have not acknowledged the " lost '' check, nor have they sent me a statement since the " conversion '' took place. I have talked to XXXX people at Elan Financial about this, the last a " XXXX '' on XX/XX/XXXX, yesterday. They all say they understand. But I don't. I would like them to A : send me a statement for card XXXX showing all payments made to XXXX. B : stop calling me, and C : don't dare touch my credit rating in the XXXX 's.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60646
Submitted Via: Web
Date Sent: 2022-03-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-03-25
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Account XXXX, balance of XXXX original creditor XXXX XXXX SOLD DEBT TO A COMPANY WHOM NEVER GAVE ME THEIR NAME OF THE COMPANY Account was closed XX/XX/2020 was misinformed and miseducated about the balance that needed to be collected on a partial payment. Company didnt give a name of who was collecting my information and intimidated me for a partial payment. Currently theyre still writing charge offs on my credit report and the account been closed since 2020. XXXX negative charge offs! on my credit report UP TO DATE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23503
Submitted Via: Web
Date Sent: 2022-05-04
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A