Date Received: 2021-08-09
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Investigation took more than 30 days
Consumer Complaint: Essentially, I do not have access to my mailbox currently. I have not been able to make payments because I didnt know who my lender was. I did not receive any emails or calls ( when I found out who my lender was through XXXX yesterday, which is USBank, I called USBank and found out they had my wrong email ). I have paid off the entire payment in full and now setup auto payments, but I do not believe any of their employees have contacted me via phone and since email was wrong, I did not get any notification of who my lender even was to pay my mortgage to. They are unwilling to reverse the delinquency charge. My credit score dropped 150 and this will effect me for years.
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: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: My Fidelity Rewards Credit Card account was closed by the card issuer Elan Financial Services on XX/XX/XXXX. As shown in my account statement on XX/XX/26, I have made {$60000.00} in purchases before the account was closed. Per card member agreement, I am supposed to receive 2 base points per dollar spend. I have also signed up for the 50 % bonus points via an email that was sent to me on XX/XX/XXXX. Therefore, I should have received 3 points per dollar spent ( 2 base points + 1 bonus point ). I even charged all my property taxes to the credit card and paying over 2 % fees to the county on the assumption that I would receive 3 % back from the card. For the XX/XX/26 statement, I should have received XXXX {$60000.00} = XXXX reward points. However, the statement is showing that I received XXXX points. I messaged Elan Financial Services already but they refused to credit the rewards. Elan Financial Services claimed that " Once you or we close an Account for any reason, all accumulated Points are forfeited. '' Since the account was closed without my consent and was closed after those purchases were made, it was completely unfair to consumers. Elan Financial Services closing customer credit card accounts just after they earn a lot of rewards and then refuse to credit the rewards seems suspicious to say the least. I have attached both my Fidelity XXXX statement and the promotional points email to this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 895XX
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-09
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Several accounts were opened and used to transfer money under my name. I discovered the accounts were opened, after receiving a series of emails FROM USBANK regarding a checking account I hadnt opened and wasnt depositing money into. I was also getting emails from XXXX and XXXX XXXX about money accounts and transfers. I followed the email links to the accounts that I couldn't gain access too with my own personal information and has never setup myself. I noticed that even though my email address wasnt spelt correctly on the emails but somehow, they were still being delivered to my email. So, I used that email to address isnt correct, but is wrong so I tried using that one to that email to try and access the accounts. Of the 3 XXXX XXXX was the I not only one hat reset the password for with an email verification. Upon gaining access I was able to see the accounts virtual card. Which has been the card used in a XXXX Instant Transfer. XXXX has begun Processing the account as fraud and has removed my name. XXXX and USBANK have taken no action.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SD
Zip: 57401
Submitted Via: Web
Date Sent: 2021-08-09
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Us bank had block me from both of my accounts my checking account amount is {$1300.00} and my saving balance is $ XXXXthey said the reason they block me from my accounts is because there were deposits electronic deposits made into my checking account and the felt they were some kind of scam or money laundryingthis was 11 months ago some time in mid XXXX of 2020 in XXXX or XXXX I went to the bank and ask what was the status the teller told me that they are closing m y accounts and would be mailing me a check for the total amount in both accounts she also said it would be 2weeks before I would receive the check, well two week went by and still nothing so I called the branch and was told that they was not going to give me my money back that they were still investigating it and that they would be sending my money back to the debtors that was in XXXX well I call to see the status of the bal in both accounts and not only have they not closed my account but the money is still in my accounts they have had almost a year to investigated to see if there was any kind of money laundries or scamming being done they never sent the money back to the debtors and refuse to give me my money the have know proof that I or the debtors were pulling any scams and yet they insist on keeping my money from me in the time they had done this to me I lost my place of living because of what they did and I had direct deposits made from SSI And also a {$1400.00}. stimulus check I deposited in my savings account the debtors never deposited anything in my saving that was the money I had from both stimulus checks I had were deposited in my saving account they were rude and very unfair and refused to tell me anything about my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/XXXX. The check was cashed for {$740.00} and was written for {$140.00}. XXXX XXXX XXXX made an era by not looking at the written part where you put in the dollar amount but assuming it was {$740.00} by looking at the number that was written in the box The check was sent back first as an overdraft and I contacted U.S. Bank and advised them not to redeposit that check because we went in-person to pay File for Me and paid the client the {$140.00} we owed her because we didn't think the check was going to be resubmitted and it was resubmitted on the XXXX and credited to our account and resubmitted on XX/XX/XXXX as completed as a debit on XX/XX/2021 causing our account to go into negative and enormous overdraft fees. We have been contacting U.S Bank by phone and in person and they keep telling us that the other bankers at U.S Bank made a mistaken filing the claim and we have to open up a new investigation to get you provisional credit and it takes up to 10 days and this is the XXXX time different bankers telling the same old story. We have been waiting for over a month and still the [ problem hasn't been solved causing us some much inconvenience and hardship. Attached is the evidence of the transaction. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Trouble using the card
Subissue: Problem adding money
Consumer Complaint: I filed a complaint because I can not activate my US Bank ReliaCard and access any of my funds for which I have filed a dispute on because I was robbed or lost my cards a few weeks back and finally now I have a new card but they want me to send you guys a copy of me with my ID I was able to find my paper ID with the barcode and a clear picture of my name and my last address but because of all of this confusion I have been XXXX so I'm hoping that the photos I'm sending you right now will work for verification process of who I am and would just like to access my funds that were taken from me and also I have already completed the ID me verification process through Colorado labor and employment services so that should be a form of my identity through US Bank ReliaCard as well because I have already been dealing with fraud for over a year now
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80220
Submitted Via: Web
Date Sent: 2021-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-07
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: Dear CFPB, If this wasn't happening to me then I honestly wouldn't believe it. I have been a loyal card holder of my XXXX credit card plus I drive an XXXX XXXX. Both items have never been late but for some strange reason I receive a threatening letter from XXXX card member services on XX/XX/2021 indicating in a letter format that because my account is currently inactive for non using my " XXXX BALANCE '' credit card during covid ( which I purposely did not use because I didn't want any debt because of these uncertain times ) ... the letter plainly stated I was a credit risk. In fact the letter says : The primary reason for this decision were - * Account is currently inactive The letter from Card member services went on to say that my good standing credit card would have its balance reduced from {$2500.00} to {$500.00} which ultimately would affect my credit score " SEVERELY '. And it did. I received a credit alert notice from XXXX today stating my credit score had dropped 10 points because of the reduction in this credit balance. Cardmember services indicated in its letter that there decision was based on a credit report they pulled from XXXX ( when I did not authorize this nor was I credit risk ) so this was pulled fraudulently and maliciously. I feel they are targeting there XXXX American base of clients with this redlining process they are implementing. if I had a high credit limit, was late multiple times or behind on a current payment then I would understand the retaliation but thats not the case here. I have a " XXXX BALANCE '' credit card in impeccable standing and as a consumer I am choosing not to use it unless its for emergencies just like the rest of the population - preferably XXXX. I always maintain a credit score somewhere between XXXX to XXXX but even in this situation I still had a high score considering the national average. I have attached a copy of my credit score from XXXX which I'm a member of XXXX XXXX and I monitor my credit like a hawk so for this to happen and get punished for actually having a pro balance during one of the bleakest periods in history for mankind is really scary that Cardmember service is taking this bold move to harass, punish and push its members to run up debt to appease its shareholders is absolutely pathetic to say the least.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2021-08-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank is reporting late notations for XXXX on a credit account and XX/XX/18, XX/XX/18, XXXX on my mortgage account. I went through some pretty serious hardships and paid as soon as I could. I ask that US Bank please make a one time goodwill adjustment and remove the late notations on my credit file. This would help a ton and I have been a very long time customer and love banking with US Bank and ask they make a one time exception and remove the lates.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84058
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: This Bank is beyond intolerable. Their practices are unethical and lacking in empathy or competence. Their back office department that handles underwriting or the approval of loan modification/ subordination agreements is the most disorganized and difficult areas I have encountered thus far! I was approved for and successfully completed a COVID assistance program that ended after one year. I received paperwork to have notarized by myself and my incarcerated husband and we both signed subordination paperwork NUMEROUS times, but are continuously met with issues. I have been more than patient with this banks pathetic communication system between front end and back end. I do not want my credit affected by their lack of processing this paperwork given to them by myself and my husband on MULTIPLE OCCASIONS!! I am already paying the new agreed upon adjust monthly payment amount and STILL havent received confirmation my account has been registered correctly with them. I want this issue fixed ASAP!! No one has even attempted to contact me after numerous requests for a manager to do so. This bank is absolutely the worst bank I have ever dealt with and I hope I never have to finance with them again!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 68134
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-08-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: To Whom It May Concern, This account was charged off in XX/XX/2018. It is to my understanding that a charged off account should not include an active payment history. It manipulates the date of last activity. Please delete this account. Best Regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32117
Submitted Via: Web
Date Sent: 2021-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A