Date Received: 2023-12-28
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Elon Financial Services manages my XXXX credit account. I have authorized " Auto Pay '' to be processed through my checking account. I receive a statement monthly for my balance due. On several occasions the company has received a credit from a vendor which occurs after my statement has been sent. They do not send or notify me that they will apply the credit when my auto pay is collected. When the amount of the auto pay is different than my statement, I have to call my credit union for the amount. This is an adverse system that affects my ability to correctly balance my checking account. My XX/XX/XXXX bill was billed for {$2500.00} on my statement but only {$1300.00} was collected. Elon Financial received a credit on my XXXX XXXX account of {$1100.00} after my XXXX account closing date but as it was received before my payment was due they applied the credit to my amount due on XX/XX/XXXX. The XXXX charge was then listed on my XXXX bill in the amount of {$140.00} which significantly affected my payment due on XX/XX/XXXX. This system affects my ability to budget for my XXXX charges and could not be employed if I were mailing my payment.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21014
Submitted Via: Web
Date Sent: 2023-12-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I WAS ON TRAVELING AND MY CREDIT CARD WAS STOLEN I CONTACTED US BANK AND INFORMED THEM OF MY CARD BEING STOLEN ALONG WITH OTHER CREDIT CARDS OF MINE, US BANK STATED THEY DID A FRUAD CLAIM FOR ME AND THEN DENIED MY FRUAD CLAIM SAYING I HAVE DONE BUSINESS IN THE PAST WITH THESE MERCHANTS, MY CREDIT CARD WAS STOLEN, I LOST MY WALLET AND I HAVE OTHER FRAUD CLAIMS AND LETTERS FROM OTHER BANKS CONFIRMING SUCH, I DID NOT MAKE THESE CHARGES AND THEY NEED TO BE REMOVED OFF MY ACCOUNT IMMEDIATELY. MY CARD WAS STOLEN AND USED WITHOUT MY PERMISSION. THESE CHARGES NEED TO BE TAKEN OFF IMMEDIATELY. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89011
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I was given a gift card as a present, I registered the gift card as they requested, and when I went to use the gift card, it declined. After calling the company, they told me it was locked for fraud, and I had to wait one hour. I waited well over the one hour and attempted to use it again, only to still have it decline. When I called back, they said I now had to wait 24 hours because of suspected fraud, even though, I already cleared out that I was the one using it. I have looked into the issuer of this gift card and this seems like a common problem and people are often not available to use the funds. I am worried they will keep locking the card and I will not be able to use them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48125
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: On XXXX XX/XX/2023 from an individual claiming to work at US BANK phone number XXXX asking if I was applying for another car loan in Arizona or another state. I have not ever applied for a car loan. He advised I check my XXXX. The next morning, I checked XXXX and saw an auto loan in the amount of XXXX dispersed and in my name as the cosigner to an individual named XXXX XXXX who I do not know. The employer and one address associated with my name are incorrect and I presume them to be " XXXX XXXX 's ''. I then filed an FTC identity theft report number XXXX And also a local police report incident XXXX Also a complaint on the FBI website. I then placed a freeze and fraud alerts with XXXX, XXXX, and XXXX and filed a dispute with XXXX about the false reporting. I contacted US BANK on XX/XX/2023 and spoke with their fraud department with an individual named XXXX, who said they would investigate the issue. The only thing that has happened since then from US BANK is one letter reading about a hard credit inquiry removal but nothing about removing the fraudulent reporting to the credit bureaus. In a letter from XXXX, The dispute results claimed that the lender stood by the loan claiming that is my loan. So they did not remove the information from my credit. Since the initial contact with US BANK the fraudulent person using my credit has missed a payment and my credit has dropped over one hundred points. The amount is now XXXX due to the late fees I presume. I reached back out to US BANK on XX/XX/XXXX to see what was going on and they would not help me. I spoke with XXXX people each who sent me to the next person, only to get to the last person instructing me to call the number I was already on the line with. During this series of calls, they would not verify my Identity over the phone and instructed me to visit a local branch, there is not one in my home state. I do not know the account number or anything other about the auto loan. I have never received a bill to my home address in regards to this. I am working on writing dispute letters per the FTC guidelines to each credit agency per the FCRA 605B including copies of my credit reports, requiring the bureaus to block this false reporting. These will be certified mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 360XX
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Getting the loan
Subissue:
Consumer Complaint: US BANK LOAN COMPLAINT I was approved for a small personal load of {$5500.00} and have about {$35000.00} in cd and a credit card at their bank. The problem I am having with them is in order to receive the loan I need I had to provide a 6 digit code ( see photo ) sent to my cell phone to get it. The code had never appeared in my text messages and it is also slander claiming that it is not me and have to prove it. I spent 2 hours on the phone with this banks locations and no one will fix the problem since they will only accept the code. My phone works perfect as it was tested. I will not get my loan now because of this stupid code and no other way to verify it even being I provided many people with their requested information. Not getting this loan is going to cost me a great deal on money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: A XXXX package that was sent to my address ; it included my phone number. Upon opening it and the envelope inside, I realized that it was a credit card in someone else 's name. I went back and checked the XXXX envelope and the address on the paperwork and it was definitely my address/phone number. After doing some research I realized this was some type of fraud ; being concerned about how things could devolve, I thought it best to submit a report here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11434
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX XXXX Bank frozed my account due to irregular activity they say I was spending money to fast.When I am a truck driver who was on vacation with his children.I am now homeless and kids had a bad XXXX because of it.Car got repossessed I really believe account was frozed due to discrimination it was no reason for account to be frozen at all I have documentation proving where I got money from..And me and my children has no food to eat for XXXX weeks.They put my money in a GL account.Saying its a fraudulent account.When it was actually my tax refund from XXXX opened up account with them and gave them a cashiers check from XXXX, another institution.That account was closed due to address verification.I trusted them they opened my account and frozed XXXX dollars.Initial balance was XXXX dollars.Please give me call XXXX if any questions or email me at XXXX thank you and happy new years
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60628
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: My husband deposited his payroll check thru ATM on XX/XX/2023. He said after the machine took his check the screen went blank & said error & gave him his card back. On that Monday the XXXX we checked online to see if money/check got deposited, it did not. So he called our local bank late afternoon before they closed. The manager took his name & # & said ATM person was not working that day but would be in tomorrow & would call him. She never called. I called again to local bank on Wednesday XXXX & got recording saying they could not answer their phone. I messaged the US bank thru XXXX & they said they got a hold of my local bank & they were short on help. After this my local bank finally called me saying that the ATM person " tried to reach out to my husband '' - he never got call or voicemail. The manager told me they could not deposit the check even though it was found in the ATM & the ATM messed up. The ATM is handled by a 3rd party. He said the check was in dispute & had to be investigated & he expected it to be deposited by weekend. I also called XXXX # two different times & was told same thing the check could take up to 10 days to be put in our account, the first call we got disconnected even though my phone still showed we was connected but all of a sudden no one was there, on the second call the woman hung up on me. I tried to call local bank AGAIN on Saturday XXXX before they closed & no one could answer their phone. As of XXXX check has NOT been put in our account. I messaged them again on XXXX & someone is suppose to call me on Tuesday XXXX so I can file a complaint with them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 448XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: With this credit card account, I had autopay set up. On XX/XX/XXXX, fraud on the bank account that was used for autopay occurred, and as such, the account was frozen. I immediately shut off auto-pay. On XX/XX/XXXX, once I had a new account opened, I added a new bank account to my Elan account, and paid my statement with that account. I made sure XXXX different times that the payment was to be sent with my new checking account. I also verified the correct routing/account number. This payment was supposed to process on XX/XX/XXXX. This payment was returned. I paid off all of my other credit cards that day, and only this account had an issue with payment. On XX/XX/XXXX, the auto-pay payment processed, despite me turning it off ASAP after my checking account was compromised. I got charged a {$25.00} Returned Payment Fee despite turning off auto-pay ASAP and ensuring that the one-time payment made on XX/XX/XXXX was made with the correct/new checking account with the correct routing and account number.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 020XX
Submitted Via: Web
Date Sent: 2023-12-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-25
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: In accordance with the fair credit reporting act this creditor, US Bank Home Mortgage, has violated my rights under 15 USC 1681 section 602 states i have the right to privacy. As of XX/XX/2023 they have 13 late payments for my home mortgage reported against me, 15 USC 1681 section 604A section 2 it also states a consumer reporting agency can not furnish an account without my written instruction. Under 15 USC 1666b a creditor may not treat a payment on a credit card account under an open end consumer 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: FL
Zip: 34219
Submitted Via: Web
Date Sent: 2024-01-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A