Date Received: 2021-05-06
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: They are claiming I was overdrawn when I wasnt, the app is way off from what is seen on their end??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 550XX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: On Sunday XX/XX/XXXX XXXX XXXX I had used my card T my local pharmacy to pick up a couple things, and came home, I later received a notification that my cRd had been used that same day in the amount of XXXX, at another retailer, and I immediately called the card and the girl canceled the card and said they would send paperwork that I needed to send back withing ten days, not only was that letter received after thier ten day date, they then told me that I would get no credit from them until after they took three months to clear it up, I then receive a letter from them just this week, explaining that no credit would be given because no error was found, I filed an online complaint with ic3 regarding the charge and gave what info from that I could, I contacted the reliacard back and they told me I could request thier transcripts but that too would take up to a month and that they had no i formation regarding the dispute and that there was no one I coukd contact because fraud departments don't talk to the public, I told the lady I don't agree with this and I want my XXXX refunded to me she basically said no in a roundabout way. I am not happy with this decision in any Form
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IA
Zip: 52001
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2021, I attempted to use my XXXX XXXX XXXX to purchase a gift card but the transaction did not go through initially. Shortly thereafter, I was contacted by the Fraud Department at Elan Financial. Not only did a supervisor from their Fraud Department not inform me that this was not permitted, but after I spoke to her to verify my identity, she remained on the line to ensure the transaction went through successfully. About a week later I used the card with no issues but a few days after that I attempted to use my card for gas and it was declined. Thinking it was the card reader at the pump, I stopped at another gas station and yet again, the card was declined. This prompted me to call them but because it was late in the evening, all I was told was that the card was closed and I was given a number to call for more information. When I got hold of an agent from what I believed to be their " Verifications Department '' I'm told that I'm not allowed to purchase gift cards with their card. How is it that I spoke to two representatives and a supervisor from the Fraud Department regarding the purchase of a gift card and not one single person says anything along the lines of " You can not purchase gift cards with your card? '' While I appreciate how nice they were trying to resolve the issue, the idea that Elan Financial expects customers to know ( borderline memorize XXXX their cardholder agreements when their own staff doesn't even know it is mind boggling. To add salt to injury when I got the letter they sent, it read as follows : " We have reviewed your account and have reason to believe that you have fallen victim to a credit card scam. We have made several attempts to contact you by phone regarding this account but have been unsuccessful. For your own protection and due to the recent activity on the account, the account has been closed to any further activity effective immediately ... '' I was livid. Not only did they not inform me that the account would be closed if I made the purchase, but they also stayed on the line with me to confirm the purchase went through. Not only did they lie about making " several attempts '' to contact me but they also lied about thinking I was a victim of credit card scam considering I had verified all my account information with reps and the supervisor who confirmed. Not to mention, if this was in fact a fraud case, wouldn't the proper action be to issue the cardholder a new account number? Despite requesting then reading through the cardholder agreement for information regarding closure of accounts due to gift card purchases, which was nowhere to be found, and even despite owning a XXXX and losing access to a card that rewarded me for the essential services/repairs I needed, I was willing to walk away. Even knowing that I would also be losing over {$200.00} in rewards points, I was willing to let it go and move on. However, I am not willing to watch my credit score negatively impacted, which I have been working so hard to rebuild. Before this incident my credit score was steadily increasing but now it has dipped significantly because of Elan Financials inability to be open and transparent on policies and their improper training of their employees on their own policies. If only one single person I spoke with advised me of this outcome, I could have used another card or cash, and I wouldnt be in this injurious predicament.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: I have requested that U.S. Bank allow me to opt out of overlimit fees on my account, as I understand we are allowed to do by law. I sat across from a branch manager to make this request in his office, and he told me that I can not opt out of overlimit fees on checking. They regularly allow " subscription services '' to charge without authorization. I have tried to cut off all these " subscription services, '' but I feel like I am constantly getting hit with overlimit fees regardless. I note that I have recently gotten an overlimit fee for a bank transfer. Again, I have asked them to simply deny the transaction, and they have said they will not do so for my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55406
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My home was appraised two years ago for {$250000.00} and my tax appraisal is {$240000.00} and is based on a XXXX so its about 30 % lower than the actual value. I applied for a refinance with my current lenders XXXX US Bank XXXX mortgage department who kept sending me advertisements in the mail and they arranged for a man to appraise my home. The first phone call he was very rude, short with me and he wasnt helpful or friendly at all. He told me he had one time and that was it so I took that time to have the appraisal. When he got here I tried to talk to him and he basically told me to be quiet and go in the house and he would let me know when he was ready to come inside. I tried to talk to him several times and he refused to even acknowledge that I was there. He didnt let me tell me him about my property about any upgrades nothing. Then he came back with an appraisal in this housing market that was less than my appraisal from two years ago. He didnt get the square foot correct and made numerous other errors. He compared my home in the comparisons to a an 800 square-foot house with more acreage but all wooded and he wouldnt reconsider even when I sent him more comparable comps. My home is almost XXXX square feet and is fenced and cross fenced and has 11 horse stables and a huge indoor riding arena. It also has an indoor pool with a building larger than my home that he said had no value. The 800 square foot home sold for {$320000.00}. I told the bank right after he left of my belief he was XXXX and XXXX against a person of XXXX with the bank. I think he saw I was a person of XXXX and therefore lowballed me on my refinance. The bank said they tried to get him to reconsider and he wouldnt and I can not believe that they would allow that to happen in this day and time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 377XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I submitted a complete packet for a loss mitigation application. My lender received them and informed me that its under review and just waiting for the results of the application and that it will take 30 days. 30 days after there's still no updates from them and they are saying that the evaluator has not even started the review process. I am not sure if they really want to help me save my home or they want to foreclose my home.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44035
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am a victim of the CZU fire in XXXX California, which was deemed a state of emergency by XXXX XXXX XXXX. I was displaced from my home since XX/XX/XXXX. My home did not burn but I was was without electricity and water for several weeks and my house had severe smoke damage and my house was not habitable. My animals and I have been traumatized by the fire. I also suffer from XXXX and this situation is making my mental health situation worse. US Bank granted me a 6 month forebearance and I was to begin making payments on XX/XX/XXXX. During the 6 month time frame I called US Bank to ensure that everything okay with my loan and to ensure that my excellent credit would not be adversely effected. I had not heard from US Bank during the forebearance. I was finally contacted by my relationship manager, who told me that US Bank would defer my missed loan payments ( due to the approved foreberance ) to the maturity date of my mortgage, meaning add the those missed payments to the end of my loan. I was shocked when I received a credit notification from XXXX XXXX that my credit score had dropped by XXXX points. Here are the facts : - On XX/XX/XXXX my XXXX credit score was XXXX - On XX/XX/XXXX my XXXX credit score fell XXXX points and is being reported as XXXX - on XX/XX/XXXX, I called US Bank and explained the situation. Everyone that I spoke with told me that this should have never been reported as being late. They were just as shocked as I was ... - I have continued to call to try to get this resolved and even spoke to a supervisor who was very unsympathetic and told me that yes indeed this should hav not been reported to the credit bureau 's but that there was nothing that he could do to fix it ... I have tried numerous times to try to get this resolved and am not getting anywhere. I have decided to sell my house and and am trying to rent or re-purchase a new house and because of my XXXX XXXX I am going to have a hard time purchasing a new home or even being approved to rent a home. I ask that you please help to restore my credit back to the way it was before XX/XX/XXXX. Please let me know if you have questions or need more information from me. Thanks in advance for your help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 950XX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: My US Bank account was disabled XX/XX/21 due to bouncing a check ( {$7900.00} ). I was transferring money between my HELOC and US bank. {$7900.00} was not available in the HELOC account. This caused the account to overdraft. I immediately became aware of this and wrote another check for {$7500.00}, bringing the account to positive ~ {$4000.00}. the customer support line directs me to the branch that placed the hold. I have called the branch over and over again, left messages for XXXX XXXX to call me back. I spoke with him once without a resolution, at that time i demanded the account be closed and the balance sent to me immediately. I have called his boss XXXX XXXX and left several voicemails without response.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: XXXXX
Submitted Via: Web
Date Sent: 2021-05-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have filed a dispute to the incorrect items on my credit report. it has been over 30 days and I have not received any investigation results. I also submitted police reports
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30309
Submitted Via: Web
Date Sent: 2021-06-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-05-05
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: XX/XX/XXXX {$38.00} became 30 days over due Payment was received XX/XX/XXXX of {$170.00} ... but it was {$38.00} under paid. ( for some reason I under paid ... can not recall why ... honest mistake ). This has been a mark on my payment history ever since. There were no other late payments in payment history. In addition, XX/XX/XXXX USBank closed my account because I had not been using it. ANOTHER ding to my account when an account is closed. I did not ask them to close it. They decided on their own. Could you please help me at least remove this ding for {$38.00} dollars? My credit report score is actually suffering because of it. Thank you, XXXX XXXX XXXX XXXX The old account number ended in XXXX.
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: 2021-05-05
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A