Date Received: 2022-01-17
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Each month, Elan Financial is reporting inaccurate credit card balances to the credit reporting agencies. These inaccuracies are preventing me from obtaining credit. Ive reached out to Elan about this issue and they told me that the inaccurate / incorrect balances reported, are mistakes of the Credit reporting agencies : XXXX, XXXX and XXXX. ( The reported credit card balances are the same for each agency. ) Ive reached out to each credit agency, and each one stated that Elan sends over this information electronically and thats where the account balances come from. My credit card statements have been closing between the 4th and 7th day of each month. Based on my credit reports, Elan has been reporting my balances to the credit agencies on the last day of the month. This month, however, they reported my balance on the 14th of the month, and they reported a higher balance than what my credit card statement says for XX/XX/2022. The balances owed, per my credit card statements, are not the same balances reported to the credit agencies, nor are the balances being updated on a systematic or consistent basis. These inaccuracies need to stop as they are negatively affecting my credit and my ability to obtain credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60504
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: OVERVIEW VISA Prepaid Gift Cards do not live up to their package advertising, " A VISA Card is always enjoyed and never returned. '' Also their Customer ( NON ) Service is designed to prevent customer financial recovery due to fraud that their systems do not prevent. XXXX Two {$100.00} XXXX XXXX XXXX were purchased at XXXX and activated. Total Cost {$210.00}. XXXX Daughter in Law received cards and attempted to use. Purchases had already been made and funds were gone. XXXX Cards were returned to me and I Contact XXXX XXXX XXXX Waited on hold for more than 20 minutes. Was promised that cards would be reloaded over the next 10 days. XXXX A {$10.00} credit had been put back on each of the cards not the full {$100.00}. I again contacted XXXX, on hold over 20 minutes. Was told that I would have to have my Daughter in Law authorize my efforts to recover the funds and wait on hold again. Asked to speak with a supervisor was put on hold for another 20 minutes, was cut off by VISA, and was transferred to a customer survey ( was not good ). XXXX This complaint to Consumer Financial Protection Bureau ( CFPB ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30096
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: This is my second complaint against US Bank regarding the HELOC loan I took out in XXXX. After further investigating the issue I believe US Bank has participated in predatory lending that must be thoroughly investigated. Types of predatory behavior used are as follows : XXXX ) Truncated Credit Life and Disability w/o full disclosure to the Borrower. I worked through a real estate broker that dealt directly with the bank. I was told I had to agree to the terms " as is ''. Apparently, the premium " XXXX '' I paid expired in XXXX. This did not help when I transitioned out of the military in XX/XX/XXXX and was unemployed for two months. I was charged unreasonable late fees and could not take advantage of the any of the credit options I had purchased. Interesting US Bank offered " Life and Disability '' for people in their twenties but not insurance in case of unemployment. In addition, the total credit amount charged was {$4300.00} which is unreasonably high for a $ XXXX loan. XXXX ) Equity Skimming- There was no equity in my home when I took the " equity '' loan from US Bank. I took the first mortgage the same month from BoA that I took out my HELOC loan with US Bank. Again, due to my busy schedule I trusted the real estate broker and bank to do the right thing. XXXX ) Incorrect Assignment of Loan Type - When I look closely at the original loan document it is categorized as " Other ''. It appears to be more of a debt consolidation personal loan... not a HELOC. The Loan from US Bank paid off $ XXXX in credit card debt and a $ XXXX construction loan I took from BoA. Why was it even categorized as a HELOC? XXXX ) Escrow Advances - In XXXX US Bank opened an " Escrow Account '' eleven years after the loan was taken out. I called them multiple times to explain that my insurance and taxes were paid from my first XXXX and to remove the escrow account all together. Escrow advances leave the Borrower with a large sum to pay at closing. I currently have {$68.00} remaining to pay on my loan. US Bank has informed me that I owe them {$4700.00} for escrow advances taken on my " behalf ''. The Frank and Dodd act of XXXX only requires banks to take out escrow on the first liens for up to five years. The consumer has the right to close escrow accounts at any time with no explanation. XXXX ) Homeowners insurance was higher than the value of the home or the HELOC Loan - US Bank was the only party that was protected the premium insurance taken out on " my behalf ''. My property is worth $ XXXX. US Bank took out Homeowners insurance in the amount of $ XXXX or higher for approximately {$1100.00} per year. My loan with US Bank at the time they took out a lender forced policy was $ XXXX. Last year my loan amount was $ XXXX. If XXXX Bank were allowed to take out insurance to protect their interests, they should have only covered the remainder amount of the Loan to keep the " premiums '' lower for the consumer. Based on my research HELOC loans can not charge for insurance above the current amount due on the loan. XXXX ) Charging for homeowner 's insurance for twice in XXXX - After speaking to representatives I was informed US Bank charged 12-month insurance premiums once in XXXX and again in XXXX. I don't even know how this can happen. For the year XXXX, XXXX Bank charge {$2400.00} in homeowner 's insurance. This is on the XXXX. XXXX ) Discrepancy in documents - Premiums on the insurance declaration pages do not match the XXXX and XXXX XXXX. XXXX ) Asset Based Lending - The Lender required the loan be protected by my property. XXXX ) Unreasonable charges and additional fees without proper disclosure - The HELOC loan was for $ XXXX but the lender charged $ XXXX for Credit fees, $ XXXX in interest, and $ XXXX in Escrow advances. XXXX ) Lack of Transparency - There are no XXXX for XXXX, XXXX, and XXXX available to me to show the true amount taken. I have requested all documents from US Bank. XXXX ) Duplicate insurance - BoA and US Bank used the same insurance company, XXXX XXXX XXXX for the following years : XXXX, XXXX, and XXXX. I was told I could not correspond with the insurance company and that US Bank would not reach out to advocate for the consumer. XXXX ) Incorrect Credit Reporting - US Bank has been notorious for incorrect credit reporting. Loan type, balance, etc .... I have {$68.00} remaining on my $ XXXX loan. My credit report includes the " escrow advances '' XXXX Bank is fraudulently charging me. XXXX ) Reassignment of Loan Number - At some point during the life of the loan, likely after XXXX US Bank reassigned the Loan as a " First Lien '' and provided a new loan number. This was never explained to me and was an error with US Bank 's system and processes. XXXX ) Refusal to refund - US Bank Representative stated if I furnished insurance documents from my first mortgage lender they would credit my account for homeowner 's insurance taken in XXXX, XXXX, and XXXX. In XXXX they did refund me for a disbursement in the amount of {$1100.00} after I called to explain the situation. XXXX Bank reps continuously say they did not do this even though I have evidence of the refund / credit. I have no idea what numbers add up to the {$4700.00} dollars they say I owe them. XXXX ) XXXX Bank will not let me pay the {$68.00} to close my loan. XXXX ) Original loan documents are unsigned. It appears US Bank is going above and beyond to steal people 's property through predatory lending practices. They are like vultures swarming around live meat. It is fair enough they received a relatively large amount of profit in interest payments on the loan I took in XXXX. They should get their talons out of my back and other consumers and start playing a fair game or be penalized by Federal Reserve and CFPB. At the very minimum thoroughly audited.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20906
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
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/2020 there was a card to bank transfer for XXXX says XXXX XXXX personal checking ach ... .. then I called them and told them to cancel that because I wasnt sure why it happened although I did make an attempt to transfer money around that time. They said ok and did they also issued me a new card. On XX/XX/2020 I got messages stating It was canceled or reversed and credited to my acount. On XX/XX/2020 I got another message stating the reversal was canceled. On some of the messages it says... .original transaction I'd is XXXX ... on another it says XXXX... I dont know if that's relevant. I called again and asked what happened they said they couldn't stop the transfer and couldn't refund it. I asked them for the information on were the money was transferred to but they didnt give it to me. They told me I needed to do it myself or something because it went into my account. They said they would send me a statement or information. But I never got it. I called meny times. Asked meny times they still havent helped me find were the money went. My email is XXXX And my phone num. Is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX. XXXXXXXX XXXX pa. XXXX Please help me find the money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 179XX
Submitted Via: Web
Date Sent: 2022-01-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-17
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I was State Farm Bank Credit Card Clients From XXXX Until XXXX when US Bank Merge or Purchase the State Farm Bank. On XX/XX/XXXX, I received a letter that US Bank is Closing both My Credit Card Account In accordance with the terms of their cardmember agreement which is surprising Knowing that US Bank had a history with me on closing in the past XXXX years My Bank Account with US Bank Base ON Bias and Not Athetical and Violate the Consumer Financial Protection Bureau rules and regulations and I would like to investigate the bank From the past originally closing my first account until today closing my others accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92821
Submitted Via: Web
Date Sent: 2022-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank has denied receiving four mortgage payments for which I have the canceled checks. The months in question are XXXX through XXXX of 2021. I was on the " loan forbearance program ''. US Bank has repeatedly frustrated my attempt to come off this program by making unreasonable demands for documents and unethically attempting to get me to add additional people to the " loan modification papers '' so that they, too, would be obligated to pay the mortgage. Neither my previous spouse nor current spouse were parties to the original mortgage agreement. Furthermore, US Bank sent " loan modification '' papers to the wrong address -- twice -- and when they finally sent me papers at my XXXX address, they included a form for a notary public located in the XXXX of Georgia. Now they say they need a " quit claim '' deed from my former spouse although she was never awarded title to the property. That action would also abrogate the divorce degree, saying that she was entitled to net proceeds from the sale. US Bank accepted mortgage payments from me for 16 years without need any kind of " quit claim '' deed. They wanted to put me in an impossible situation with my former spouse so they could continue to charge me 6 % interest instead of the 3.125 % interest they are supposed to charge for those coming off the mortgage forbearance program. Also, while claiming to have not receive any mortgage payments from XXXX through XXXX, they also demanded that I pay a lump sum of over {$29000.00} by XX/XX/XXXX to avoid foreclosure. US Bank is violating federal law and needs to be held accountable for their illegal and unethical actions. None of US Bank 's replies to my former complaint actually addressed the real issues, and I do not think the complaint should have been closed. I do NOT think the CFPB is doing the job it was chartered by CongresXXXX to do -- it's supposed to be an advocate for consumers, not a shill for unethical banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2022-01-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: got locked out way over 30 times in the last year on usbank.com website, always saying something thats not true. this time the permanently disable my account online so i cant get in. been locked out 4 times only in XXXX called them today XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX and XX/XX/XXXX cause keeps locking me out when i sign in and walk away for a bit, now they say they cant reopen my online banking it permanently disabled. this is not right to do this so i cant run my personal accounts or pay credit cards they are all late cause of them lockig me out of my online banking since XXXX, XXXX and XXXX and XXXX. so i cant pay my credti cards either.so its the online banking websites fault. they need to reopen my user name again and for the stress ive been having with them over a year they should credit me {$150.00} in my bank account just for all the stress with this. otherwise im leaving their bank and not doing business with them ever again. no one is experienced enough to figure anything out how to open it back up.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2022-01-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I am challenging and disputing that I am the owner ( their records show that I am a joint owner along with my husband, who passed away XXXX months ago ) on a XXXX XXXX XXXX. On XX/XX/XXXX, I called The credit card company to inform them that my husband passed away. They told me that I am a joint owner and responsible for the account balance. I immediately disputed that with them. ( Please note that my social security number is not on their records. They only had my husbands social security number. As of approximately XX/XX/XXXX, they have removed my husbands name and social security number from the account, probably after verifying that he passed away. Now they have me listed as the only owner and no social security number on the account ). At the time of my initial call the payment due XX/XX/XXXX was outstanding, I informed them that I would not make that payment, which I did not feel that I was responsible for, until I heard from them after they researched my inquiry. If at that time they could prove that I also applied for the credit card I would make the payment. I told them that I never applied, or provided my signed authorization to be a co-applicant or joint owner on this credit card. At some point my husband gave them authorization for me to be an authorized user only. I believe when the information was entered into their system, the data was incorrectly entered as a joint owner instead of an authorized user. I immediately filed a dispute through XXXX Credit Bureau, The credit card company responded back to XXXX that the account remains as is. I never received any written acknowledgment from The company directly pertaining to my initial inquiry to them on XX/XX/XXXX. I have continued to call the company to continue to dispute this, I have been transferred to many departments, I hope they have notated the account accordingly. On XX/XX/XXXX, I requested a copy of the application or document showing who applied for the account and more importantly that I applied, for my review. On XX/XX/XXXX, I decided to make payments on the account after discussing with a supervisor in the complaint department.I told her that my concern was if I make payments and it is confirmed that I am not an owner of the account that I will not be reimbursed for the payments made. She assured me that if what I have stated is confirmed that I would be reimbursed for any payments made. On that day, I made the XXXX and XXXX payments in the amount of {$310.00} over the phone with the supervisor. I also told her that I was concerned if the payments were showing late/past due on my credit report and if so would they correct under the circumstances. She said their records did not show that a late payment had been reported to the credit bureaus. I thought that was strange if they reported to the credit bureaus on a monthly basis, but she assured me of this. The company did waive two late fees on the account. On XX/XX/XXXX, I called in and made the XXXX payment in the amount of {$180.00}. I finally received a letter from Elan dated XX/XX/XXXX which says that due to the age of the account the information is not available. Their records show that the account has been open since XX/XX/XXXX. On XX/XX/XXXX, I called in and made the XX/XX/XXXX payment in the amount of {$190.00}. I continue to make the payments so their is no negative impact to my credit. On XX/XX/XXXX and XX/XX/XXXX, I received two Emails from XXXX Credit Bureau to review my report due to recent changes. My credit report now shows that the credit card company has reported a late payment, I believe this was reflected as of XX/XX/XXXX. As a result of the late payment, my credit score has dropped by XXXX points. I called the company on XX/XX/XXXX to discuss this and asked if they would submit an XXXX or whatever needs to be submitted to the credit bureaus to remove the late payment information. I was told that they do not do that but I was provided with a telephone number to call and dispute. I assumed the number was to their dispute department. I called the number, explained the history of my complaint, provided the representative with all of my personal information only to find out at the end of the call that they are not a part of The company. The number given to me was to a Credit Repair company and they requested a hefty fee to challenge this on my behalf. I told them that I was not interested and now concerned that I have provided them with my personal information. They assured me that my information is confidential and protected. I am disappointed that the representative with the credit card company did not tell me who the company was when they gave me the phone number. At this time, I am requesting that the credit card company review their records again and all of the information that I have provided and remove me from the account as the owner. I should not be responsible for the account balance. Also, to update my credit report accordingly and to remove any late payment and any negative impact. I am also requesting to be reimbursed for the payments made to date which totals {$690.00}. Again, I need to point out that my social security number is not on file because I never applied to be a co-applicant or joint owner on the credit card. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: Due to XXXX, I entered into a 360 day forbearance plan. The plan ended XXXX. I called USBank Home Mortgage in XXXX of XXXX to initiate a loan modification. My options were provided to me prior to the end of my forbearance plan. The representative advised me that my application had been submitted. I received documents weeks later stating that I was under a different loan modification than requested. I called back to US Bank to advise them of what had happened. I was told to submit an email stating that I had been placed under the wrong plan and to remove me from the plan. I was told that it could take up to 30 days for the request to be completed. In XXXX, I received a letter stating that my loan modification request had been cancelled. I called US Bank in XXXX to be placed on the correct plan. I called back two weeks later to find the status. After speaking with three reps, I was finally transferred to a white male who stated I had not been placed on a plan, but that he could submit my request. He then stated that he had submitted my request and that I would receive documents in the mail. In XXXX, I received a supplemental application for my loan modification request. I was a bit confused, because this was not the case before. I called and spoke with a representative who initially had no access to any of the information I was mentioning. Finally, she told me she was able to see what I had been stating after digging a little more. She told me that once I submitted the supplemental application, that would be the last step in the application process. I did what she stated and emailed the documents by the XX/XX/XXXX deadline. I received a confirmation email from the automated system saying my documents had been received. I was told that it could take up to 30 days to process, but to be prepared to make my XXXX mortgage payment. Today, XX/XX/XXXX, I received a letter dated XX/XX/XXXX stating my application had been cancelled at my request. This was completely untrue and took me by surprise. How is it that only two days after emailing my supplemental loan modification application I would receive a notice of cancellation. From what I was told before, an email had to be sent to initiate such requests. I called US Bank Mortgage today, XX/XX/XXXX to find out the circumstance. I was told that my request had been cancelled based on my request being placed under review on a retention template ... .under their Business as usual method.. I am now four months pass the date of my forbearance ending. I'm still not under a plan. I was offered an interest rate of 3.125 % on XXXX XXXX and now the interest rate has increased to 3.5 %. I need help because I feel that my mortgage company dropped the ball and don't want to accept responsibility, rather penalize me for their mistakes. Best,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20019
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2022-01-15
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: I XXXX and my employer mailed me a debit card for retroactive pay. The card Is with US bank. The only way to activate the card is online. I entered my user name and password, and was then prompted to enter my card number and last four of my ss, which I did. A window popped up stating unable to verify. I tried again multiple times ; no luck. I called Us bank and got transferred around till I was told I would be transferred to someone who could activate my card over the phone. After answering questions for five minutes, they said the only way to activate my card is online. It is my strong feeling this bank makes it difficult if not impossible to activate a card so they can hold ones money as long as possible. Please help me activate this card so I can withdraw my money and be done with this firm. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94121
Submitted Via: Web
Date Sent: 2022-01-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A