Date Received: 2021-11-06
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Complaint : Credit Balance Refund Repayment VISA Account : XXXX with Elan Financial Service, marketed as XXXX VISA and linked with my XXXX XXXX XXXX XXXX account XXXX XXXX XXXX credit card business partner Elan Financial Services has ignored my specific written instructions, made pursuant to Regulation Z, to directly refund my credit balance to me. Instead, {$47000.00} was transferred to some other financial institution and is now missing. In my correspondence with Elan on XX/XX/XXXX, which Elan acknowledged the receipt of in its XX/XX/XXXX response, I stated that : Pursuant to 12 CFR Part 1026 ( 2 ) ( Regulation Z ), I hereby request in writing that the credit balance on my account be refunded to me. Subsection 2 requires : Refund any part of the remaining credit balance within seven business days from receipt of a written request from the consumer ; As of XX/XX/XXXX, however, Elan has reduced my credit balance from my account but is now unable identify where these funds are. I am also unable to find any financial account of mine to which these funds have been credited. I have further contacted XXXX XXXX to resolve this, but they referred the matter to Elan. Since XX/XX/XXXX, I have spent more than several hours on multiple phone calls with Elan without any satisfaction. Most recently I was told by an Elan customer service representative they are researching the matter. In short, nearly {$48000.00} of my funds can not be accounted for by these firms. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Md XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
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/21 I received a phone call from a person identifying themselves as XXXX fraud prevention employee telling me my XXXX account had been hacked for a {$990.00} cell phone purchase. In order to refund me the money for the purchase, he needed access to my bank account to replace the money because XXXX wanted to prevent any fraud to my account. All the while this person had control of my phone moving money around the various accounts I have. This person took a cash advance using XXXX charging it to my credit card then moved the money to my checking account and withdrew it. I began to realize something isn't right. I ended the phone call and drove to the bank to stop this transaction from going through. After explaining the situation, the bank wasn't very helpful. Instead, I was given phone numbers to call their fraud department which I did. In the following two weeks after the incident I made contact with the US bank fraud department a least a dozen times. In addition, I also contacted Credit Card Services who handles the credit card portion of the transaction. The two divisions keep passing the buck back and forth. Nothing is being resolved. In the interim, the bank issued me a new credit card, savings account, and checking account. On XX/XX/21 the same day as the fraud, I reported the crime to the XXXX XXXX County Sheriff 's Department. I contacted the bank again to make sure they had the Sheriff 's report number. Again nothing resolved. Three weeks after I made the report to the Sheriff 's Department a detective came to my house for a follow up report. We made arrangements to meet at US bank because I needed to be present to give permission for access to my account. It was at this time I discovered the bank considered this a " friendly fraud '' meaning I suppose I had something to do with it. My claim for fraud was disallowed. As far as I know the investigation is still ongoing with the Sheriff 's Department. Now I'm stuck paying {$1400.00} plus interest on a credit card cash advance that I DID NOT DO! I have to make minimum payments or it effects my credit rating. According to US bank, when they look at their computer screen it looks like I did this because " it had to be done mechanically ''. No one at US bank is listening to the details as to how all this transpired. During my numerous phone calls to the bank I was told a fraud investigator would contact me within 48 hours. It never happened. I was told several times that my case is still under investigation by the banks fraud department and credit card services division. Again, nothing. If someone at US bank took a look at my spending habits via transactions made from my accounts they could see this is completely out of the norm for me. I've never taken a cash advance in my life! Nor have I used XXXX XXXX for anything! I don't even know how to use it. I'm retired, paid off all my credit cards and now this happens to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Incorrect balances are being shown on credit report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60443
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: US Bank was the lienholder for our new XXXX. We traded the truck for an SUV. After the payoff was made to XXXX, they sent us a loan statement that our account was closed ; however, there was accrued interest which was not refunded.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 170XX
Submitted Via: Web
Date Sent: 2021-11-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Vehicle was repossessed or sold the vehicle
Subissue:
Consumer Complaint: On the morning of XX/XX/XXXX morning of XXXX, US bank, which is owned by the XXXX government XXXX, sent a repo guy to our home in XXXX, California, and repossessed my fishing Boat named XXXX. I purchased the boat in XX/XX/XXXX in XXXX Florida, new XXXX XXXX XXXX XXXX for $ XXXX. I was unemployed and qualified for the loan using my XXXX balance. The boat and the trailer were registered in Florida. I deposited $ XXXX and continued to make monthly payments of {$380.00} using my XXXX since and never missed a payment. As of today, I have made about 36 payments of {$380.00}. I moved to XXXX California in XX/XX/XXXX, notified US Bank about my move, asked the bank to send the lien title to California XXXX, so it could be registered in the state. The bank continued to send invoices, I continued to make payments, but the bank never sent the title to the XXXX. I obtained temporary operating permits ( attached ) from the XXXX XXXX, CA XXXX twice. Per instructions from the XXXX, I provided the document to US Bank via mail ( XXXX XXXX XXXX, XXXX, WI, XXXX ) and via fax ( receipt attached ) requesting that the lien title be sent to the XXXX. It is illegal to use the boat on federal water without registration in the state of California. The last temporary operating permits from XXXX XXXX, CA expired on XX/XX/XXXX. I could not use the boat legally in the state. The bank refused to send the title to the XXXX. Therefore the boat could not be used legally in the state of California. I missed the last three payments. During the last 3 months, the US bank called me multiple times a week ( early in the morning, late evening ) asking for payment, but refused to provide the lien to the XXXX. I have told them repeatedly that the boat can't be used legally in California without registration. I have also called them dozens of times to send the lien to XXXX so I could use the boat and go fishing. In the meantime, the Bank reported me to the credit bureau, my credit rating dropped dramatically. It told me in XXXX that I am delinquent for 180 days, the Bank will consider repossessing the boat. But the bank repossessed within 90 days ( attached video ). Since the repossession of the boat ( XX/XX/XXXX ), I have called the bank three times ( XXXX ). Twice I had about half an hour conversation and the call was recorded. I requested the bank to return the boat and the title to the XXXX, and I promised to make up the missing payments. Each time it told me that a manager or supervisor will contact me within 24 hours, but it never did. I tried to log in online ( US BANK dashboard ) to understand what really happened, but the Bank deleted my account. ( attached ). Therefore I believe the US bank has stolen the boat, personal stuff, ruined my credit rating, caused trauma to me, my family, insulted and humiliated us in public, and disturb the peace of my family and the community.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90630
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: My husband applied for a Visa XXXX XXXX with US Bank in XXXX of XX/XX/XXXX. The website stated that we would find out instantly, they did not issue it. Over the next two months we called in to verify information. Due to my husbands work schedule this was very hard as they have super limited hours with wait times that extended 30 or more minutes each time. I had to wait on hold and catch him in between meetings since they would not tell me what needed verification. We were told to reapply so we did and it noted we had another application. We changed our income amount and the application processed but was held up by them thinking our email address was odd. I explained we have our own email server and custom accounts. I asked if anything else needed verification and the agent said no. Fast forward to the first week in XX/XX/2021, we get our cards, activated them and for our first use they were rejected for being invalid. I called and was transferred through 4 different departments and was on hold for over an hour. At that time I was told we had to submit copies of our drivers license and social security card. That until we did that our account was closed and could not be reopened. I asked why since we are debt free, have credit cards that have been open for over 20 years and never had to provide this before. The agent was very rude and refused to provide any information. We decided dining rewards were not worth dealing with a completely incompetent bank. We hope they fix their systems so others do not feeling like they are criminals trying to open a credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Fraud complaint on XX/XX/XXXX first unauthorized payment was XX/XX/XXXX my claim was denied appealed it on the XXXX and just got information it was denied again XXXX I think but definitely XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 442XX
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing the loan or lease
Subissue: Billing problem
Consumer Complaint: US Bank was the lien holder on my vehicle which was involved in an accident on XX/XX/2021 that resulted in a Total Loss. On the date of the accident, the balance owing was {$17.00} XXXX. I continued to pay my installments to keep my account current while the insurance company was processing the property loss claim. The insurance eventually paid {$14.00} XXXX. On XX/XX/2021 I canceled the mechanical protection plan with XXXX XXXX XXXX XXXX. On XX/XX/2021 XXXX XXXX issued two checks to US Bank for this refund. One check in the amount of {$480.00} & a second check in the amount of $ XXXX.Please see the cashed attached checks. It came to my attention in XXXX that US bank had not applied these checks to my account. Then began my almost daily calling to US bank to trace the checks. Every time I called, there appeared to be no evidence of these checks or my previous calls. I followed up with XXXX XXXX and received copies of the cashed checks. I emailed, snail-mailed and eventually in desperation faxed the copies of these cash checks in a desperate appeal for help. But all I received was a collection note which I immediately responded to and was given the same treatment. I have literally spent hours calling US bank, following up with emails & more phone calls, and last night when I received a notice that my credit report now has a delinquent notice reported I decided to lodge this complaint. Please can you help. This is very unfair and has very serious ramifications on my credit and my life. I have worked very hard to have impeccable credit and this incompetency is completely unfair.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33334
Submitted Via: Web
Date Sent: 2021-11-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-05
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I filed a dispute with us bank against XXXX for 3 transactions. Us bank mailed the dispute forms to the wrong address. When I called to correct their error inwas given the run around. I also had an issue with a XXXX transaction being processed through after I had already cancelled all the recurring transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60620
Submitted Via: Web
Date Sent: 2021-11-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I opened a dispute with US Bank Reliacard in XX/XX/XXXX after noticing many unauthorized transactions on my card account. These were transactions for XXXX XXXX as well as other online based transactions. I called and filed a dispute as soon as I noticed. I contacted the places of business and they gave me limited information and I was redirected back to contacting my bank. My dispute processed and I was given provisional credit for one unauthorized purchase only. Someone had used my card as well as other information to purchase an insurance policy from progressive. I filed a police report and also filed a report with the FTC after getting multiple alerts from credit agencies regarding my information being compromised. I also filed a police report. The dispute had been closed but was then reopened after I sent in the police report. After over 90 days and no provisional credit, my dispute was denied again. I contacted the XXXX XXXX XXXX and tried to get some resolution in my favor. US Bank did not give me any resolution and will not honor my dispute with these unauthorized transactions. I was also never given provisional credit after following the procedures required to be eligible. I received a letter in the mail which stated that they were denying the dispute. There was no explanation as to why this decision was made, even after requesting the information that they used to make this determination. I have wasted a lot of time on this matter and it has been extremely frustrating. I will escalate this to the appropriate parties until I get my money back that was stolen from my account. Thank you. XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70503
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A