Date Received: 2021-04-26
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the America Bar Association and Professional Liability Fund for code of ethics violations.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2021-04-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Opening an account
Subissue: Account opened as a result of fraud
Consumer Complaint: Per the Bank Statements uploaded with this Complaint, at some point before XX/XX/XXXX, I made my last transaction in my USBank checking account. On that day, my account had a balance of {$64.00}. For the next nine months USBank levied a {$6.00} " Monthly Maintenance Fee '' against my account. On the tenth month, in XX/XX/XXXX, USBank levied a fee of {$2.00}, which brought my account balance to {$0.00}. In XX/XX/XXXX, my account balance remained {$0.00}, no maintenance fee was levied, and my account was closed and no further statements were generated. That is, until Five months later, on XX/XX/XXXX -- without my permission or knowledge -- USBank reopened the account for the sole purpose of levying a " monthly maintenance fee '' in the amount of {$6.00}. As it was a closed account with a zero balance, the fee brought the account negative. For the next three months, until XX/XX/XXXX, USBank compounded fees upon its fees, utilized a " reserve line '' ( I never established or authorized ), and assessed all manor of penalties against this account and compounded the benefits of its prior fraud. The account statements, which I only acquired recently after hours of negotiations with USBank representatives, end on XX/XX/XXXX. By that time, USBank had attempted to pay itself around {$80.00} of fees and " protection. '' Years later, I ran a credit report and discovered that USBank had " charged off '' {$170.00} in XXXX or XX/XX/XXXX. It is still unclear how USBank arrived at that number, and no representative could provide me the answer. There are three issues : ( 1 ) USBank reopened a closed account -- without authority or permission -- for the sole purpose of levying a maintenance fee. ( 2 ) USBank had no contractual " right '' to levy a maitenance fee against a a {$0.00} balance account as evidenced by its failure to do so in XXXX and XX/XX/XXXX and XXXX, XXXX, and XX/XX/XXXX. Its fee in XXXX was a breach of the contract. And to the extent that USBank argues it had that contractual right to levy a maintenance fee against a {$0.00} balance account, any contractual " right '' to do so was waived by inaction. ( 3 ) USBanks ' consumer checking account agreement states that an account will become dormant after 12 months of inactivity. My account had no activity in the twelve months leading up to XX/XX/XXXX, and likely before. USBank breached the agreement by not rendering my account dormant prior to XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30316
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: There were multiple fraudulent transactions on my XXXX XXXX XXXX. So, I filed a dispute on XX/XX/XXXX and I sent my dispute forms by mail with a tracking number. Per my tracking number, my dispute forms have been delivered to the address they provided me with ( cardholders services XXXX, Fl ). It has been more than 10 business days and I havent received any provisional credit or any type of resolution. I called multiple times to inquire about the dispute or if the dispute form have been received and they keep giving me the run around. This company is violating Regulation E
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73069
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have call XXXX XXXX and XXXX to let them know I was pair of they error in there system the representative told me I was not part of the error the representative from transunion hung up the phone in my face they remove the inquires off but they put them back on I am also have been a victim of identify where I had a fraud alert on my credit to state that and the representative didnt seem to care
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 721XX
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: 4 weeks ago I had {$560.00} taking from my account overnight when I made no purchases, card was in my possession, and I never left the house so I call " XXXX '' a supposed manager and he stated that there were several clearly fraudulent charges made by internet or fictitious internet companies and he was familiar with these " companies '' so he would send me a new card and issue the credit to my account immediately WELL THAT STILL HAS NOT TAKEN PLACE. THEY DID NOT EVEN CANCEL MY CARD AND ISSUE ME A REPLACEMENT CARD and to my horror today XX/XX/2021 I woke to discover {$150.00} missing from my account and immediately called, got transferred to another female manager this time and she stated her name was 'XXXX ' and gave me a huge run around told me there was nothing she could do and to set up online access for my account issues and that she was not at liberty to tell me who spent my {$150.00} and then hung up on me. There is something very " fishy '' going on with this company who handles peoples money, they're only income for they're entire family and that is scary and there is someone or many someone's doing some very bad things with peoples finances and feloniously. I know several people whom have had similar problems with us bankreliacard and they never knew what to do or where to go to report them and to get they're money back and I just now have discovered this company and PRAY THAT YOU ALL CAN HELP ME RECOVER THIS STOLEN MONEY BECAUSE I AM DESPARATE
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19720
Submitted Via: Web
Date Sent: 2021-04-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On XX/XX/2021, I used my card for XXXX in the amount of {$16.00} at XXXX XXXX XXXX. My unemployment benefits were loaded on XX/XX/2021 in the amount of {$480.00} at XXXX XXXX XXXX. I tried to use my US BANK Reliacard again that same day, XX/XX/2021, to try and take out money from an atm. My transaction had been denied XXXX. I then called US BANK reliacard to check the issues with and status of my account. The representative told me that my account was locked for fraud and told me that I needed to upload a photo ID, and XXXX. I then proceeded to provide the documentation. I called back and had a XXXX minute conversation with the supervisor at the time. She informed me that on order for them to verify my identity, I needed more identification. I had to fight with her to get the other types of identification I could use. She failed to mention in that XXXX minute conversation that I could use my temporary state ID, birth certificate, and the selfie. I called back on XX/XX/2021. They said they couldnt verify my identity yet again. That I didnt have enough information and that I needed to now submit a photo of my social security card, my birth certificate, a XXXX, and my temporary state ID. I went to the website provided, I uploaded the XXXX required documents as well as a photo of my reliacard as proof of ownership. I waited until XX/XX/2021 to call them, again, to check on the status of my case. They proceeded to give me another run around and tell me that my photo ID had been cut off in the photo, which it hadnt, and that I need to resubmit every single document for the fourth time and that it would be another XXXX business days. This has happened to a couple of people that I know. They also didnt stick to the same explanation as to why my account/card is locked. Another XXXX of the representatives told me that this was routine and not fraud.
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: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-24
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: credit card issued by Elan financial services a subsidiary of us bancorp was charged in the amount of XXXX unauthorized i by phone told the credit card issuer of the unauthorized charge on XX/XX/2020 they provided credit to my card and sent me paperwoork to fill out to dispute the charges i filled out the paperwork and they later denied receiving it there has been a severe us mail problem beginning and recorded since XX/XX/2020 of which they were aware yet no e-mail sent to them concerning lack of receipt of paperwork they waiting on their denial was after the 60 days since they issued me credit for the unauthorized charges and a debit of XXXX was initiated and recorded i have called on other unauthorized charges in the past four years and they are aware of my timely diligence to resolve all issues. charges were by XXXXXXXX XXXX XXXX. and were twice on one single day for XXXX as well as other charge dates
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19711
Submitted Via: Web
Date Sent: 2021-04-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: Withdrew {$420.00} ( 2 {$100.00} bills, 11 {$20.00} bills ) XX/XX/2021 from the US Bank ATM outside the XXXXXXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX location. After withdrawal, I noticed I was short {$160.00}, as {$20.00} bills were dispensed in place of the the {$100.00} bills. I walked inside the branch and alerted the teller that I was shorted by their machine, using their banks ATM debit card. Filed a complaint the following day via their toll-free number, learning I was given misinformation from the branch the day before, that I needed to file the complaint, not the bank. After fighting with the bank via XXXX, I spoke with a bank support person on XX/XX/2021, who was able to expedite a provisional credit. Then a second reversal was processed on XX/XX/2021. Both were taken back by the bank on XX/XX/2021, without any notification.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2021-04-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-22
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I owed U.S. Bank National Association D/B/A Elan Financial Services {$10000.00}. Three years ago I tried to settle with them, but was unsuccessful in reaching them. In XXXX of 2021, through XXXX XXXX XXXX, U.S. Bank National Association D/B/A Elan Financial Services and I entered into a settlement agreement for a one time payment of {$8700.00} to satisfy and settle the account. However, they have not held up there end of the settlement and have reported a balance owing on my credit report for {$2100.00}. I have tried to call them and they bounced me from person to person 4 times and was then on hold for a very long time so I left a call back number, but they did not return my call. I would like them to honor the settlement agreement and remove the balance they say I still owe them on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 120XX
Submitted Via: Web
Date Sent: 2021-04-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-04-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: We took out a mortgage of {$440000.00} on XX/XX/21 on a new home with US Bank. We sold our prior home on XX/XX/21. We applied the proceeds from the sale of our prior home to the US Bank mortgage the following week. When the US Bank mortgage reflected the new remaining mortgage amount of {$4300.00} I requested they drop the PMI. In response they sent me a letter informing me that to drop the PMI would require a {$140.00} non-refundable assessment to determine " that the property value has not declined ''. They also stated that the assessment would have to be scheduled and then the report would take up 10 days from the assessment before they could review it. They also demanded that I present them a certification my expense that there are no liens on the property.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32092
Submitted Via: Web
Date Sent: 2021-04-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A