Date Received: 2021-08-27
Issue: False statements or representation
Subissue: Attempted to collect wrong amount
Consumer Complaint: Nothing! I had a card with Elan financial but defaulted because of my XXXX treatments. I told them this would happen in advance, they just didnt care. So I went to autopay. Upon default it went to their collection department where they decided that I owed almost XXXX when I had less than {$1200.00}. I sent a letter and proof of payments indicating that I had {$1200.00} left on the debt maybe slightly more depending on interest, and that I would pay up to {$1400.00} when I am back at work to account for any interest. they said they accounted for my payments but I still owe {$3700.00} ( as if I had sent no payments since XXXX ). I paid with autopay but had some ( not all ) of the confirmation numbers.. for ever payment up to XX/XX/XXXX when I was unable to work due to my XXXX treatments. I asked them for proof of the extra debt, and have since only sent payment demand letters, and one page of paper with the amount of money {$3700.00} printed on it, oh and until XX/XX/XXXX would call every 3 days to demand money. Recently I received 2 letters saying they will settle the debt for {$1500.00} if I paid in a lump sum, which is still more than what I owe and I cant afford anyway This has to be illegal the way they are treating me,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06360
Submitted Via: Web
Date Sent: 2021-08-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: In early XXXX US Bank stopped sending me bank statements. Initially I was alarmed because I thought they had been taken from my mailbox. Later I noticed that emails were being sent directing me to statements on line ; I do NOT want this information sent electronically. XX/XX/XXXX I applied for a mortgage and needed statements which I couldn't get from the on line link. Drove to the bank in XXXX XXXX, MN, where I noticed 4 employees in the teller area ; I was the only customer. Requested my statements from the teller. Couldn't do that- the teller called another person, a Mr XXXX XXXX who told me to make an appointment to get statements. I said I'd been banking at US Bank for 40 years, was a former employee ( top production person and helped establish the mortgage company now US Bank XXXX XXXX XXXX and I had never asked for my paper statements to be discontinue and wanted to get them. XXXX replied that was of no consequence, make an appointment and pay {$6.00} per statement per month. REALLY? I never felt getting an accounting of what was going on with my money was a favor or that I needed to pay to get that information. Although I didn't demand immediate results, I found this alarming in that there was no apparent reason I couldn't obtain this information being outnumber XXXX to XXXX by employees. Now I am going to be taking more time off work to go back to the bank obtain information that should be readily available to me. Was told to bring in my computer ( I actually did make an appointment regarding bank bill paying, took time off work and dragged my computer to the bank in the middle of the pandemic and was stood up for the appointment. Not doing that again. ) Don't want statements on line anyhow. This problem is unresolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55369
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-26
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: On XX/XX/XXXX, I was informed that the bank denid my request to remove the delinquency charge. They admitted that the mail had bounced as I had not been able to receive mail due to the homeowner who sold me the home losing the keys, and that US Bank had the incorrect email on my file so I did not receive any email notifications about my delinquency as well. I thought my account was setup with XXXX and enrolled in autopay, so when I found out that my score dropped 150 points due to a delinquency charge ( unknowing that another bank had taken over my account ), I immediately found out whom owned my loan by searching XXXX and paid off the debt. Because there are a lot of phishing calls, when they called me to notify me of delinquency, I would immediately hangup because I thought it was a scam because in my head, I was auto enrolled in my mortgage payments and no bank would call me. I figured they just wanted my personal information because I had never heard of this bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 78745
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XXXX XXXX I had {$1400.00} stolen from my US Bank personal checking account through my Email address that was linked with XXXX. After calling a Telephone number that I had XXXX for XXXX I spoke with an individual Who claimed that he was an account manager for XXXX and stated that he needed to verify me through my US bank account that was linked to my XXXX account. I had been on the phone for over two hours with this individual because I had a question about the XXXX app.He had attempted to verify me through various means. On XXXX XXXX I reported the theft to XXXX and received a fraud complaint number and was instructed to call my US bank in XXXX XXXX California to report the fraud. I also filed a police report with the XXXX Police Department, The FTC, all three credit bureaus and had to change my username and password on all my accounts. I called US Bank and reported the theft and XXXX fraud complaint number to the XXXX XXXX branch manager XXXX XXXX XXXX. XXXX XXXX XXXX proceeded to harass me and claim that I did not have a fraud claim and that it was a scam.She literally took my words out of context and used them against me. My claim was denied because she had filed it as a dispute. The fraud department claimed that It was an authorized-transaction and subsequently denied my claim. .After several hours and days on the phone Between XX/XX/XXXX and today XXXX XXXX with the fraud department My fraud claim was finally filed. The fraud department instructed me to take the police report and all my supporting documents to US bank branch in XXXX XXXX.The documents were hand-delivered from my wife to XXXX XXXX XXXX the XXXX XXXX XXXX branch manager. XXXX XXXX XXXX failed to file the documents in a timely manner so the fraud department could make a valid decision. She filed the dispute claims three times and each time I was denied because they said it was a duplicate claim. I complained to the District manager XXXX XXXX about her performance as a branch manager. If this matter is not resolved with the {$1400.00} funds credited back to my personal checking account I shall have no choice but to file complaints with the FTC, The consumer financial protection bureau and the XXXX XXXX XXXX against the branch manager of XXXX XXXX US Bank. In my opinion XXXX XXXX XXXX is incompetent and unworthy of her position.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90680
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-25
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I never authorized this company to run my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-25
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: Monday morning XX/XX/XXXX, I changed my password to access my accounts online. There was a fraud alert placed on my account and they locked me out of it. I was told that it would take 24 hours to determine if there was fraud or not. I asked to speak to a supervisor as I'm running a business and need to access my accounts. A supervisor hung up on me after being extremely pissy. Called back and asked how they were going to determine if it was fraud or not if they didn't call me, text me or email me. They said they didn't know and had no way of getting in touch with the fraud department except by email. I was promised that a supervisor would work on it and that someone would call me. Tuesday morning, XX/XX/XXXX, I called again, no notes were on my account, the account was still locked and no one still knows what's going on.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57108
Submitted Via: Web
Date Sent: 2021-09-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Took or threatened to take negative or legal action
Subissue: Threatened to sue you for very old debt
Consumer Complaint: Today XX/XX/XXXX a man called from a private number and said that they tried to deliver something with a signature to the home address. So, I needed to call XXXX XXXX XXXX and give account number XXXX. I've been expecting a package from XXXX XXXX XXXX so I called. A guy answered XXXX XXXX and said that there was an overdraft of more than {$900.00} in XXXX that now was up to $ XXXX with US Bank . If I didn't settle they would go to court. The checking account ended in XXXX. They had the home address, birthdate and last four. I have never had an account with US Bank. So I went to a local branch and spoke to XXXX XXXX NMLS ID : XXXX. She suggested I call the central office XXXX XXXX XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92660
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: fcra law : violations never late fix it or we will get the whole account removed : payment show late never late fcra violatons US BANK XXXX XXXX XXXX XXXX Reported : XX/XX/2021 + {$1100.00} In good standing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77018
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: My USBank ReliaCard card has been blocked for nearly 3 weeks now. To move forward in the process to get the card unblocked I had to prove my identity. Ive submitted my drivers license photo and I also submitted a photo of my face to their fraud department website to get my card and account unlocked so I can use my funds. I have done that twice so far and every time I call their customer service line nothing gets done! Every worker gives me the same answer of give it 2-3 business days and call us back. This isnt ok. There is no fraud and has never been any fraud on my account. They are simply holding my funds XXXX that I need to use on groceries, bills, toiletries. I havent been able to pay my bills. I am begging that yall infiltrate this situation and close the account and card so I can reopen a new one so that I can have my funds released to me. They didnt even have the decency to alert me that my account was being locked. Please help! Im facing cutting of services. I have nearly {$400.00} sitting in the account. Also when I call they now just hang up after a certain amount of time as if theyre trying to avoid me. Or they simply dont answer my calls anymore.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98661
Submitted Via: Web
Date Sent: 2021-08-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-24
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: will not unfreeze my account, also will not disclose the reason of why account had been frozen and each rep spoken with have lied numerous times about situation as well as being rude and ignorant and just completly unprofessional, and as well as supervisors i was trans over to speak with them as well. i need help with this please my account has been frozen for months now and ive been lied to for months on who to call to reslove this ive been lied to and told the state of PA froze the account which is not true at all the bank put a freeze of account with no legitimate honest reasoning why and refusing to give me explaination of why and how to unfreeze, i have submitted every document i was asked over 10 differnt times with proof of phone calls, emails and faxes ive sent. please help
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02151
Submitted Via: Web
Date Sent: 2021-09-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A