Date Received: 2022-02-10
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I purchased 2 visa gift cards from XXXX XXXX on XX/XX/2021 in the amount of {$100.00} each ( {$200.00} ). My grandchildren registered the cards online and seen there was a {$0.00} balance. I called XXXX and, first of all ), they kept me on hold for over 90 minutes, then they said they have to go to us mail to send fraud form for grandkids to fill out. They never got them. So I had to call them ; wait again, and they said they can not talk to me because the cards are not in my name, so I had to do a XXXX call for them to authorize me to speak on their behalf. They said I had to send a letter for each card explaining what I think happened, etc. So I faxed it to them and when I called back, ( wait AGAIN ), they say I have to verify card before they can speak to me. I asked to speak to a manager and I waited for over 30 min and never did get a hold of manager. All they do is give me the run around... big time!! I have NEVER had such bad customer service in my life, on top of loosing {$200.00}!! Someone has to do something about this customer service and their fraud process!! This is the most unprofessional company I have ever had to go through ... utter nightmare!! Also, spoke to a XXXX XXXX supervisor about this because I purchased there ; he stated he is going through the exact same thing with this company... crazy!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 81005
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: In the first week of XX/XX/XXXX, I met with XXXX XXXX, the assistant manager of the XXXX XXXX, Ohio branch of U. S. Bank. I, at the time informed XXXX that my wife XXXX had died on XXXX day and I would need his help to change the accounts to my name. I furnished him with a copy of our wills and gave him a copy of the death certificate so that he could start the procedure of making the necessary changes. Everything was progressing smoothly until XXXX realized that one of the accounts which had been opened by my wife and never used was in her name only. He said that that account would have to be probated to access the funds. I checked with the XXXX County Ohio clerk of the Probate Court and was told that the fees for this would probably be {$800.00}. When I gave this information to the bank, XXXX made some calls and said not to worry and then informed me that he was told that the money would eventually go to the state as unclaimed funds and that I would be able to claim it. Since that time, I have on several occasions contacted U. S. Bank customer service to check on this matter and could not get a satisfactory answer on when this money would be given to the state and the account closed. In XXXX I had again called and the individual I then spoke with said that the transfer should have already been made and that he would check on it and call me back. He never called back. In the fall of XXXX, when looking at my latest statement, I noticed that the account in question had been charged a service fee. I stopped at the XXXX XXXX ( XXXX XXXX XXXX had been closed ) and spoke with one of the cashier 's who said she would take this up with the branch manager. She called me and said that she was not able to give me a satisfactory answer but would continue to try and find one and call me back in a week or two. Upon visiting the branch she had then informed me that she had not been able to resolve the issue and that they would continue to charge the service fees. This institution has been holding on to funds that do not belong to them and are now charging the account [ that should have been closed 5 years ago ] a dormant account fee. This will eventually empty the account and they will then close it. This should be stopped and they should be made to refund the fees that they have unjustly charged, and pay interest on the money that they have unjustly held on too for five years. I cant help but wonder how many other people that they rip-off every day who are in the same or similar situation as I found myself in. It would be interesting to know how big a chunk of money that this thievery amounts to every year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I received a XXXX XXXXXXXX gift card {$100.00} from my work for XXXX. I finally tried using it 2 days ago and it was declined. The cashier could see there is {$100.00} available. We tried for 10 minutes every which way but it did not work. I then tried to pay a utility online with this card and again it was declined. I went on their website, XXXX but when I try to enter the card number, it says it is not valid. I called the number on the card and was told by 3 different customer service people that I have to go through their automated system to validate the security code before they can even help me. So, there is no option for the automated system! It takes me directly to someone who barely speaks English and all they tell me is, sorry you have to call the number on the card again. I tell them it takes me to them. Again, sorry, you have to call the number again. This is their only answer. Nobody is helpful and there is no supervisor available. I asked multiple times what can be done to resolve this and nobody has an answer. I'm beyond upset at this company and their lack of customer service. How do they not have someone to help, or get me a new card. It's like running against a wall! I feel like this is a scam. I hope I will get some help through here. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NM
Zip: 874XX
Submitted Via: Web
Date Sent: 2022-02-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: This company US Bank is calling me constantly on my phone about a debt and credit card that I never had. I have checked my credit report ( in case someone fraudulently opened the account ) and the account is not there. I have repeatedly explained to the company that this is not my debt. They called on Sunday, XXXX XXXX, 2022. I talked to them and explained that they had the wrong person. They called again on Wednesday, XXXX XXXX, 2022. They said it was a platinum visa ending in XXXX. I have never had a credit card issued through this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91387
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: Follow up on Compliant : XXXX Did not receive Account opening bonus of 50,000 points ( after {$3000.00} purchases ) as explained in the letter received XX/XX/2022 after many inquiries. Finally received the letter from US bank that said my puchase of {$170.00} from XXXX XXXX did not count as purchase requirement because it was a " Transaction to Purchase currency ''. However, I bought a gift coin set, it was hardly a currency transaction as the dollar demonination of the purchase was {$2.00}. It was highly unprofessional to notify the reason after so many inquiries due to a relatively simple gift purchase that was not being counted. It is deceptive and inaccurate to count such gift purchases as " transactions to purchase currency ''. As a cardholder without any intentions to defraud the bank, I am greatly disappointed as how this is how a customer is treated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94560
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2022 I applied for a credit card with US Bank requesting a credit of {$25000.00} to take advantage of twenty one month no interest to pay several high interest rate loans. I removed the block on the credit reports. On XX/XX/2022 I was approved for {$7200.00}. I called US Bank several frustrating times using multiple numbers or a two day period. I endured at least twenty minutes before speaking with a live agent. When I finally spoke with a live agent I explained to customer service then again to its underwriters that my credit score at the time was around XXXX with a perfect or excellent pay history. {$7200.00} is not enough to pay the debt. I was told I need to ask for a credit line increase maybe and my credit report had to be pulled again. I submitted over the phone another application and my credit were pulled and US Bank was denied access because I have a block on my credit reports. Now US Bank denied a credit line increase because it could not access my credit report. No information has changed since the last credit inquiry a few days ago and as it is common knowledge credit report inquiries reduces the credit score. US Bank has the refused to restore the points by removing the inquiry or increase my credit line.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 275XX
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-10
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 Services ( Elan ) XXXX : DISPUTES XXXX XXXX XXXX XXXX XXXX, MO XXXX Re : Reporting Disputes - XXXX XXXX XXXX Elan Financial 's continued incorrect reporting to the three credit bureaus. The incorrect reporting is due to Elan 's non compliance with Regulation Z - Truth in lending, Fair Credit Reporting Act, Unfair/Deceptive Business Practices , and failure to comply with Record Retention Statues. Truth in Lending ( Regulation Z ) : Notification to take Adverse Action ( s ) Failure to notify customer ( XXXX XXXX ) within the time period designated by current rules and regulations that any other adverse action was going to be made. In addition, Elan continued to charge fees and interest charges after the account was put in for collections and charged off. Incorrect Reporting to the Credit Bureaus : Elans reporting shows an amount of {$9700.00} charged of and closed on XX/XX/XXXX. ( This amount is in question. ) Also reported is a delinquent balance of {$10000.00}, and reporting of delinquent payments as of XX/XX/XXXX, and continues after the account balance was charged off. Once the account balance is charged off, there can no longer be an outstanding balance. This is a violation. Deceptive Disclosure information on monthly statements. Elan Financial does not appear on the 1st page. They answer the phone number on the statement, " XXXX XXXX, XXXX XXXX XXXXXXXX ''. In reality, the caller is NOT speaking to anyone at XXXX XXXX, but a CSR Rep from Elan. Failure to disclose Elan Financial as the service provider for XXXX XXXX on the 1st page to their Service Agreement ( also not dated ). Elan Financial does not appear until Page 7 of 9. Fair Credit Reporting Act ( FCRA ) [ 15 U.S.C. 1681 ] Appendix E to Part 1022 - Interagency Guidelines Concerning the Accuracy and Integrity of Information Furnished to Consumer Reporting Agencies Violations occurring by not : ( h ) Deleting, updating, and correcting information in the furnisher 's records, as appropriate, to avoid furnishing inaccurate information. ( i ) Conducting reasonable investigations of disputes. Failure to comply with Record Retention Statues : Per Elan 's own correspondence of XX/XX/XXXX & XX/XX/XXXX, " Upon acquisition of my account in XXXX and their completion of their conversion, they ( Elan ) no longer has access to this information. ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60626
Submitted Via: Web
Date Sent: 2022-02-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: The details below coincide with a fraud alert I received on XX/XX/XXXX that my SSN has been found on the dark web along with details that it is not possible to know how long my SSN # has been available. As the victim of Identity theft I have been going through the trials and tribulations that come with being customized, including the need to keep lenders responsible ( the burden of proof is on the lender to provide details substantiating their claims ) knowledge of my SSN # being found on the dark web is not a first and wont be the last it will happenagain. However I have been proactive in protecting my file. XXXX XXXX seems to be completely missing my alerts and shotgunning my credit on the daily getting through multiple inquiries for a single day when I may remove a credit freeze. XXXX XXXX reports XXXX hard inquires every time this occurs. And is reporting inquiries and sending me letters of credit denial nearly every few weeks for credit I did not ask for. Requesting XXXX XXXX immediately cease and desist all association with my credit profile going forward and requesting removal of erroneous hard inquires regardless of where they were pulled ( whether the big XXXX CRAs or the smaller companies like XXXX, XXXX, XXXX, and the like ), placing my credit profile off limits to this lender until such time that I myself may request credit from them after confirming identity or internal safeguards are put in place to ensure consumers are not victimized by ID theft out of their control. Also reporting the company deliberately appears to report dual credit inquires showing as hard inquires each and every time they pull credit ( see below for dates ). I first had identity stolen which I discovered in XX/XX/XXXX. Immediately filed reports as recommended. My credit profile contains a current fraud alert notifying banks to call me and confirm identity BEFORE RUNNING MY CREDIT AND IF THEY CAN NOT CONFIRM THEY ARE INSTRUCTED THAT IT IS LIKELY FRAUDULENT. This bank has completely disregarded the fraud alert to date. The inquires below are unauthorized and should have been blocked by one or both of : my credit report freeze, or after confirming I did not request credit by calling me XXXX to confirm my intent per my fraud alert. I will submit that they have removed a couple inquires but the vast majority remain. Again, each time they pull using XXXX diff addresses so XXXX hard inquires are added. After seeing that they had turned down a consumer 1 day prior, there is no need to further inquire. Even if these requests were made by me and I was asking for credit from them daily, there should be internal controls to protect consumers from this erroneous reporting of hard inquires and further harming their credit score. I prefer to handle these matters outside of court, but I do have an attorney and will pursue damages if these inquiries are not removed immediately. I will stipulate that XXXX XXXX XXXX XXXX did obtain my permission to run my credit. I did specifically ask that they NOT shotgun my credit to lenders nationwide, rather asked that they keep it with XXXX XXXX where I had a pre-approval on file. I will agree that XXXX XXXX XXXX XXXX is responsible for this one instance. Aside from that, the inquires in XX/XX/XXXX are not authorized nor is the entry of dual inquires dated XX/XX/XXXX authorized. Specific dates ( each date corresponds to XXXX hard inquires from XXXX against my credit profile with XXXX, but this complaint is for all reporting of inquires across any and all consumer reporting agencies large and small ) : XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquires from same lender XX/XX/XXXX - XXXX inquiry from the lender This is XXXX unauthorized credit inquires all harming my credit. With the possible exception of XXXX inquiry, the rest of these are inaccurate or a computer glitch causing repulls twice every XXXX day towards the end of XX/XX/XXXX. I will be filing this same complaint against multiple other lenders deliberately pulling my credit without full authorization of an identity theft victim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84025
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: My ex girlfriend stole my debit card and found my pin and made several unauthorized/fraudulent transactions on my account while I was hospitalized with XXXX. I was hospitalized from XX/XX/2021 - XX/XX/2021. The fraudulent transactions were made with my card from XX/XX/2021 - XX/XX/2021 totaling {$3700.00}. I have since faxed documents such as a written statement of what occurred, copy of my ID, a police report, and a hospital discharge form to US Bank Reliacard Cardholder Services. I have been denied and not given a specific reason from any of the several different customer service reps and fraud department reps I have spoken to. I have been given a different story or scenario and time frame several different times during the past 60 days with no results.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44310
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-02-09
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Under the XXXX, I was given a debit card from US Bank onto which my XXXX funds would be placed. On XXXX I noticed XXXX dollars transferred out of my card to someones bank. I filed a dispute and US Bank replaced the card and put money back into my account. Then, after using a new card they had sent, I became locked out of it and could not use it or log in. This was around XXXX. I called US bank and they helped me log in. Apparently my email had been changed to an unknown one to me. There was only XXXX cents left in the account. I filled out a dispute form again, and then they denied my claim. I then contacted the Officer of the Comptroller of Currency, that responded by letter, saying that I should be getting a reply from US Bank. US bank then sent me a letter stating that my account had been credited {$19000.00}, exactly the right amount that had been stolen. In order to unlock my account, US Bank needed further proof of my identity, which I provided to them on their own website ( sometime in XXXX ). I have no hard copy of it. After still being locked out, I called on XXXX and the representative said that the web form I had filled out did not exist. That same day, I sent an email with all required documents to XXXX, which was another option to prove my identity. I am still locked out and have not received my replacement card. Although I did get another letter explaining how to prove my identity ( dated XXXX ). I hope you can help me access my funds. US Bank rep did say that I could access the account, close it, and have a check sent to me so I could place it in a safer spot, in my bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 532XX
Submitted Via: Web
Date Sent: 2022-02-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A