Date Received: 2021-11-04
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: Elan Financial is reporting and making attempts to collect on a debt not owed as this was discharged in bankruptcy
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30297
Submitted Via: Web
Date Sent: 2021-11-19
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-04
Issue: False statements or representation
Subissue: Impersonated attorney, law enforcement, or government official
Consumer Complaint: Caller claimed an old account from 15 years ago that was XXXX $ telling me they will sue me for XXXX was yelling and violent behavior claim to be with XXXXXXXX XXXX XXXX, then seemed to be threatening me with the fact they have all my information somehow, XXXX the phone number and it says they're a scam thier number is XXXX when I said I thought they were a scam they started calling me restricted approximately 25 times in a 30 minute period either hanging up right away or say mean things and hurl insults then hang up
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95928
Submitted Via: Web
Date Sent: 2021-11-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: I was contacted yesterday, XXXX, by an individual claiming to be calling from " the county '' about a failed attempt to serve me for a civil suit filed against me. When I called the number back, the representative claimed to be from " XXXXXXXX XXXX XXXX XXXX XXXX '' and said they were working on behalf of US Bank to retrieve a debt of {$3500.00} that I incurred by overdrafting {$25.00} on a checking account ( which I did ) in 2010. They stated that with 24.99 % APR, this debt had grown to the current balance of {$3500.00} and with legal fees, the amount owed could end up being double or triple that. The thing that prevented me from paying them and not thinking twice is that I paid this debt six years ago then AGAIN last year on XXXX. The representative was very friendly and told me that I was set to be served yesterday ( the day we spoke ) but we could work something out with the attorney to settle for a lower amount since I had already paid - she claimed that many companies collect payment but never release the claim and suggested that it was terrible that I was in this position. They offered to settle for {$700.00}. Luckily I was able to find the " Paid in Full '' letter from last year releasing me from the debt which I forwarded to her boss. The representative assured me that her boss would review the documents after lunch and she would contact me in the afternoon to confirm that my case was closed and I wouldn't be served court papers. At this point, it felt like something was up so I attempted to find XXXXXXXX XXXX XXXXXXXX online - first using the url in the email address they provided to me, then by searching their company name and phone number on XXXX. Nothing came up. The URL in the email address came back as an error page and there was no record of XXXXXXXX XXXX XXXXXXXX on the XXXX search. It was past XXXX and I had not received a call back from the initial representative to confirm that my case was closed. I called back and spoke with someone named XXXX, who refused to provide any information on their company nor the lawyer 's accreditation and confirmed that they had no web presence. He then said he would transfer me to his boss but just put me on an hour long hold. When I called back, he said, " oh, it's XXXX you again? ", hung up, and blocked my number. I then called from my girlfriend 's number and I asked if he was going to hang up on me again and he said, " XXXX watch me. '' He then blocked her number. I then tried from my XXXX XXXX number because by this point I was livid - not only about being scammed, but by the utter disrespect. He answered again, realized it was me, and blocked the number. I tried calling from one other line this morning and nobody answered. The scary thing about this is that they had my birth date and the last four digits of my social security number along with the actual case number from my debt settlement last year. I'm not sure where this information is available but they used it to seem 100 % legit. Between impersonating a government employee ( the original caller stating that they were calling from the county ) and a law firm ( every other individual I spoke with - totaling five different " employees '' ), making threats of serious civil litgation, and attempting to collect a debt that was satisfied over a year ago, this behavior seems downright illegal. I can't imagine how many people they trick with these tactics. I work in the financial sector and I was still ready to pull out my card and pay them off. For reference, here are the contacts I have for this group of people : XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55104
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-03
Issue: Managing an account
Subissue: Problem with renewal
Consumer Complaint: On XX/XX/21 I spoke with XXXX and renewed my CD for 17 months at the rate XXXX. XXXX told me that he renewed it and will send me a copy of the CD. But he failed to renew it. On XX/XX/21 I spoke with XXXX, she told me that manager will renew it and will give me a call and send me a copy of the CD. But I never received any call or copy of the CD from the manager. On XXXX spoke with XXXX, she told me to call back. On XX/XX/21 I spoke with XXXX, she told that CD has been renewed and manager will call me within an hour and send me the copy of the CD. But I never received any call from the manager.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 358XX
Submitted Via: Web
Date Sent: 2021-11-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: My initial complaint was on XX/XX/21 ( XXXX ). I have a HELOC with US Bank. This HELOC is tied to a court case that has been going on for almost 15 years. I have been in constant contact with US Bank, but it is so hard to talk to someone at HELOC department. The balance is approx. $ XXXX. I talked to a senior mortgage person ( Ms. XXXX XXXX in Texas ). In XXXX I got the first installment from Defendant for {$48000.00} which I immediately deposited to my HELOC account ( A/C # XXXX ). There she kept saying : Our conversation is on recorded line! I wanted to know what will be the balance of my HELOC after this payment and she said {$170000.00}. and she continues if you pay the interest of {$740.00} the balance will be current and it is {$170000.00}. I did deposit {$740.00} the next day. Now that I am refinancing my first mortgage and HELOC, they are calculating a crazy amount of INTEREST ( over {$2.00} XXXX! ). She also promised to correct the wrong reporting to the credit bureaus! ( 11 times ). I am a XXXX-year-old mother with XXXX XXXX struggling to keep my home which I have been living in for the past 25 years. I will be so happy to just get rid of US Bank. They are terrible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94501
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened my checking account at US Bank, but the initial opening deposit of {$25.00} was unsuccessful. Before account was frozen, I also deposited {$25000.00} into the account. However, US bank froze my account, so I was no longer able to access my money in the account, transfer money out or close the account. US bank simply took away my $ XXXX and walked away. I've spent almost 20 hours trying to going to different bank branches in person, talking with bankers and branch managers, emailing and calling customer services, but nobody really helped. Everyone just said they were not able to do anything, please reach out to someone else. I was even told that my account was in the automatic process of being closed, account would be completely closed on XX/XX/XXXX with the $ XXXX balance mailed to me by check. However, nothing happened and the account is still Open and Frozen. It has been the worst worst worst bank experience I have ever had. None of the local branch, bankers, branch managers, customer services representatives helped me, the only thing they could do is to ask me to reach out to someone else. Now my money of $ XXXX is frozen in the account, and nobody is able to close my account and get my money back. US Bank is cheating customers by lying to customers that account was already being closed, also cheating customers by forfeiting customers ' funds which are in urgent need to use. I need this money in the account super urgently because I need it in hour purchase. If US Bank is delaying my house purchase in the hot market, please compensate for all my loss. WORST bank ever!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94063
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: on XXXX, i was reviewing a copy of my credit report and i seen some account that were opened in XX/XX/2021 and XX/XX/2021. I did not open these accounts and i would like to get them removed ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19082
Submitted Via: Web
Date Sent: 2021-11-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-02
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: Savings account closed due to unpaid monthly account fees {$4.00} ( 2 ) months and {$30.00} service fee for inpatient of 2 monthly account fees. I sent a message to close this account, although I never followed up. Account went unnoticed for approx 3 months. I never received notification of negative balance Until notice of {$37.00} due and account closed. Paid balance due at bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90606
Submitted Via: Web
Date Sent: 2021-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Other transaction problem
Subissue:
Consumer Complaint: Bank account was fraudulently accessed ( XXXX ) by agent claiming to represent XXXX XXXX Department ; {$4000.00} was electronically transferred to an unknown recipient. US Bank has refused to repay this amount though the EFT Act specifically requires this : If a third party fraudulently induces a consumer into sharing account access information that is used to initiate an electronic fund transfer from the consumers account, does the transfer meet Regulation Es definition of unauthorized electronic fund transfer? Yes. If a third party fraudulently induces a consumer to share account access information, are subsequent transfers initiated with the fraudulently obtained account information excluded from Regulation Es definition of unauthorized electronic fund transfer because they are initiated [ b ] y a person who was furnished the access device to the consumer 's account by the consumer? No. Can a financial institution consider a consumers negligence when determining liability for unauthorized electronic fund transfers under Regulation E? No. Can a financial institution require a consumer to file a police report or other documentation as a condition of initiating an error resolution investigation? No.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-11-01
Issue: Improper use of your report
Subissue: Report provided to employer without your written authorization
Consumer Complaint: I the Natural person, and pursuant to 15 USC 1681b - Permissible purposes of consumer reports and ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other ; In accordance with the written instructions of the consumer to whom it relates. 2 ) In accordance with the written instructions per the Consumer to whom it relates. US BANK, never gave XXXX, XXXX, or XXXX written consent FROM MYSELF to report anything on my consumer report, No Consent is IDENTITY THEFT. Concerning the account listed below as a consumer I Am demanding a deletion of all accounts as it relates, Immediately. I, XXXX the Executor, have a legal right and security interest, under federal law ( 49 USC 14301, UCC 9-317,12 CFR 1026.23 ) to cancel this transaction,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92105
Submitted Via: Web
Date Sent: 2021-11-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A