Date Received: 2021-03-22
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: This Elan Financial Services CREDIT CARD, TradeLine limit {$1500.00}. XXXX collaboration with this TradeLine is still showing Open with a balance showing {$8.00}, this Closed account is still showing Open by XXXX, Elan Financial Credit Services has confirmed that they dont want to play, they understand my Authority. See I sent them a copy of my ClassAction participation against U. S. Bank v Accountholders. Those boys that Law firm out of Texas are getting ready you take that money from U S Bank, I love it! XXXX take your XXXX XXXX XXXX off that little TradeLine, youre Not Stopping me, Ive got a Plan in place and you, XXXX makes me a Millionaire! Oops side Note I see you XXXX, you got themthere addresses correct didnt you, As for Real Estate section of my Credit Report, XXXX, I make them sing, Ive got the ball in my court, every month that you XXXX Not put that XXXX TradeLine back on my Credit Report, I will continue to make copies of these XXXX XXXX XXXX acts, and guess who will be the Star Witnesses, the Consumer Financial Protection Bureau and the Federal Trade Commissions lawyers, theres Nobody Stopping me, stay tune, Im Good at What I DO!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30039
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-22
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XX/XX/XXXX I purchased a engine for {$1900.00} from XXXX XXXX XXXX. I never received my purchase so on XX/XX/XXXX I filed a dispute with RELIA CARD US BANK AND THE INFORMED ME IT WAS A 120 day process I called frequently to check the status I even sent them invoices proving my case in XX/XX/XXXX so on one of the calls to cardholder sevices on XXXX XXXX I learn I was granted permanent credit on XX/XX/XXXX but the funds never hit my account so the representative on the call Escalated my first ticket advising me to call back in 24 hours so I called back on XX/XX/XXXX and they said it was no update and the did a second escalation ticket that would take 3-5 days when I called back still no answers on where my funds are and whats going on I also learned I was supposed to receive a letter correspondence saying my issue was resolved and I would get my funds but they keep promising the letter but it has yet to be sent out PLEASE HELP I REALLY CANT BELIEVE THEY HAVE GIVEN ME MISINFORMATION FOR 5 months and still leading me on after I WAS GRANTED THE CREDIT ... THEY KNOW IT NEVER CAME TO MY ACCOUNT THEY REFUSE TO ACTUALLY HELP THEY JUST TRANSFER THE CALL TO A DEAD LINE OR ANOTHER PERSON WITH MISINFORMATION PLEASE HELP ME
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19023
Submitted Via: Web
Date Sent: 2021-03-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: An unemployment claim was fraudulently made in my name. I received a USBank ReliaCard in the mail that I did not request and my employer did not authorize or send. I want this card and account closed so no one may use a copy in my name or another name. My employer contacted me about the fraudulent claim, I received a notice from unemployment and made a claim with them, then I received this card in the mail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 808XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Im a full tome student with a XXXX XXXX XXXX at home and needed a quick fix to get some studies done and decided to buy a cat. Did some quick looking at animal shelters online and for XXXX cats since they dont shed. ( I dont need cat hair all over the place ) I commit with someone through their website and had no reason to suspect it was fraud. I have email communication and it seemed legit, but after I sent the payment I was told he was shipping the cat and never got the kitten or heard from the person again. US bank refuses to reverse the transaction even though I told them the following day on XX/XX/XXXX that it was fraud and I sent the payment on the XXXX. They had time to reverse this ach transfer but are using the excuse of the XXXX they have on their website. As a consumer i Sumer it on my bank website is protected for fraudulent transactions when someone steals money and not provide goods. Instead the customer service reps would victim blame and expect consumers to understand why they were robbed by a fake buisness and use excuses as to why they didnt simply reverse the transaction when it was reported immediately. Us bank enforces XXXX but doesnt provide information to let their customers know what their rights are or rather that they dont have any when using XXXX and this is not made abundantly clear when the transfer is easy and doesnt spell it out that if they send money and the person is lying you wont get a reversal of the transaction. There is very little clarification on this and I think this is inviting people to commit fraud with XXXX and is dangerous because not everyone knows the dangers of people running online scams. Us bank should be held accountable to protect their customers and instead victim blame.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91302
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: XX/XX/XXXX : XXXXXXXX XXXX XXXX Money Market Savings Account XXXX opened. XX/XX/XXXX : Introductory APY 1.85 % guaranteed for one year XX/XX/XXXX through XX/XX/XXXX : XXXXXXXX XXXX XXXX credits my account the 1.85 % APY interest rate as they guaranteed. XX/XX/XXXX : XXXX XXXXXXXX XXXX transfers this account to US Bank XXXX. Consumer-facing disclosures state that US Bank will continue to honor the 1.85 % APY guarantee until XX/XX/XXXX. XX/XX/XXXX, call ended XXXX XXXX Pacific time : I asked XXXX on a ( recorded? ) phone line at US Bank, What interest rate is US Bank paying on my account now that the one-year introductory guarantee period has expired? XXXX informed me that US Bank will continue to pay me interest of 1.85 % APY until XX/XX/XXXX, the first anniversary of the transfer of this account from XXXX XXXXXXXX XXXX to US Bank. Knowing that interest rates had generally declined since XXXX of XXXX, and, wondering if XXXX may have been mistaken, I asked XXXX a second time and she confirmed that the rate would continue to be 1.85 % APY until XX/XX/XXXX. XX/XX/XXXX, phone call ended at XXXX XXXX Pacific time : An examination of my next statement reveals that on XX/XX/XXXX US Bank paid me only 1.33 % APY, which is {$220.00} and {$330.00} less than the {$560.00} that Capris, the Bank representative, had assured me would be paid. I called XXXX at US Bank who confirmed that his call log showed that I spoke with Capris on XX/XX/XXXX. However, he also informed me that the call log did not say specifically what was discussed. It did not occur to me to ask him if there was a recording of the call. XXXX then informed me that US Banks rate had dropped to 0.01 %. I informed XXXX that his information conflicted with what XXXX had told me on XX/XX/XXXX and asked if I could speak to his manager. XXXX informed me that his manager was not available. XXXX then asked me to hold and that he would see if he could speak with his manager. XXXX returned to the line and said that his manager had told XXXX to tell me that I needed to go into the local US Bank branch to solve the problem. I asked XXXX if he would please obtain the credit to my account for me since it was the banks error and I had already spent about 30 minutes on the call. XXXX informed me that he would take care of the problem and get back to me. XX/XX/XXXX, phone call ended XXXXXXXX XXXX : XXXX had not returned my call of three days prior as he had promised. XXXX took my call and said that she had no authority to credit me the unpaid interest that the Bank owed me. I asked for her managers name and was told XXXX. I then asked who XXXX manager was and was told, XXXX. I then asked XXXX for XXXX extension so that I could call her directly. XXXX informed me that she did not have XXXX extension and that she could not transfer my call to her. XXXX then asked me to hold while she spoke to XXXX, who though he was not available to speak with me, apparently was available to speak with XXXX. XXXX returned to the line some minutes later and told me that XXXX told her that US Bank had no agreement to honor customer agreements that XXXX XXXXXXXX XXXX had made. This information is simply false as evidenced by my XXXX and XXXX US Bank statements that showed that US Bank was indeed honoring the 1.85 % APY rate and also as stated on page 9 of the Welcome To US Bank consumer disclosure form that US Bank provided to me prior to taking over my account. At this point I concluded that US Bank had no intention of dealing fairly and honorably with me and I informed them that I would be lodging a complaint with the CFPB and the XXXX. XX/XX/XXXX : As I file this complaint today, no one from US Bank has called to rectify the loss I incurred as a result of my reliance on XXXX XX/XX/XXXX statement to me and her statement may have been captured on a recorded line. For privacy reasons I have not attached any bank statements. Also please note that page 9 of the US Bank consumer disclosure document did not upload after numerous attempts. The cover page of the disclosure did upload however.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94602
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was flagged for fraud by usbank reliacard and my account was locked until I uploaded a picture of my ID and a selfie I did that and since my address is different on my ID they want me to upload a a picture of a bill with my current address I do not have one I have a current ID social security card and a birth certificate
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 801XX
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Charged fees or interest you didn't expect
Subissue:
Consumer Complaint: On XXXX XXXX, XXXX I met with banker XXXX at XXXXXXXX XXXX XXXXXXXX, XXXX, OR XXXX and received a HELOC. I received no counseling about loan, was nervous and stressed, and asked banker 3 times is there any out of pocket expenses to this loan if I never use the loan. " no '' she replied 3 times. People in waiting area to see XXXX, I felt rushed and we talked for a while then she had me sign all the documents. I did not have the opportunity to read all small print but trusted XXXX because she promised there is no OOP expenses with this loan. On XX/XX/XXXX I called US bank to close this HELOC account because I knew I could not afford to pay any advance payment interests, therefore I must close the account. The banker said he'd close the account and I would receive a letter to that affect. On XX/XX/XXXX, I rec 'd bank letter dated XX/XX/XXXX, XXXX stating I owed an " outstanding balance '' needed to be paid before they close my account. I rushed on XX/XX/XXXX, feeling very stressed, to local US bank at XXXXXXXX XXXX XXXX XXXX, OR XXXX at XXXX XXXX, spoke with banker " XXXX '' who told me I owed {$550.00} in order to close account. I told her I was never advised of any such fees, and if I'd been aware I would NEVER have signed the loan papers in first place. She innsisted I owed this, I asked for supervisor, but none were there.. I told XXXX that I was having chest pain and felt like I was having a XXXX over this demand for {$550.00}, my face was bright red, she noticed this, and said : '' I'll get in touch with a supervisor, there are only a few who are in charge of many banks each, but you go home and rest and we will call you today. I have not heard a word since from anyone at us bank.I contacted my MD because I felt a XXXX was imminent due to stress of that large sum of fraudulent money being demanded. XXXX also told me that penalties and fees will continue to accrue daily until you pay the amount needed to close your account. I have been house bound, sick in bed since then, spending energy contacting US bank for assistance, getting no help after several calls. I've been researching how to handle this very disturbing situation and I've found HELCPA 1988, and HOEPA 1994 " protects consumers with potential financial shortcomings, including lying, coercion, taking advantage of a lack of financial experience ''. I'm XXXX y/o, my income is at the poverty level. " Interest rates, payment terms, & miscellaneous charges must be disclosed with the loan application and before the first transaction ''. per HELCPA. Today is XX/XX/XXXX and I'm sick i bed from this enormously stressful situation. I plan to go to Small Claims Court if possible. Please help me with this injustice and lack of Equity in business.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97501
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I am XXXX XXXX, and no one is either acting on my behalf, nor are they authorized to do so. Multiple/Many - Attempts have been made with the CRA 's to fix credit reporting done from US Bank, and then its ' resulting in my credit report having incomplete/inaccurate data on my consumer report. They are pointing back to YOU US BANK - accurate reporting is between you, the CRA and FCRA/FDCPA. These complaints are with FCRA/FDCPA and then using file standards in the data furnishing industry ( XXXX ) Each Tradeline - description 's of the account ( screen shots attached and so named ) ( XXXX ) - US BANK CACS CC # XXXX ( XXXX ) - XXXX US BANK ( CLOSED ) ( XXXX ) - XXXX XXXX - 1. XXXX - XXXX XXXX is inaccurate 2. Last Payment Made - is inaccurate 3. Payment History is Incomplete, then inaccurate 4. Balance/Rating History is incomplete inaccurate ( rating XXXX XXXX XXXX XXXX XXXX XXXX, is literally impossible ). 5 Balance History - no history of balance, what was due or paid - natural progression to what's claimed in impossible - innacurate and incomplete 6. Pay Status lacks a CLS 7. Date Closed isn't accurate and actually shows a payment ( ast Payment Made : XX/XX/XXXX ) 8. " Maximum Delinquency of 120 days in XX/XX/XXXX for {$300.00} and in XX/XX/XXXX for $ XXXX< '' - if true, would mean I don't owe your reported balance 9. Since reported delinquency - all history is gone 10. Is the account actually CLOSED - where is the CLS? 11. When CO - should BAL not be XXXX? Please complete/update/correct your reporting, or delete this inaccurate Tradeline. XXXX - 1. US BANK ( CLOSED ) - says its closed, in the descr - and, its really NOT 2. There is no account number 3. Available Credit says XXXX XXXX. Reported Balance - when Charge off - should it not be 0? 5. Debt to Credit Ration - should not apply to a CLOSED ACCOUNT 6. Payment/Balance/Rating History - is wholly incomplete, When adverse - all history to that date - was wiped out 7. Pay History - XXXX literally impossible, where is CLS? High Credit - Blank - no comments to direct to this field 8. Terms/Freq - can not apply to CLOSED accounts 9. Date of Last Payment, is inaccurate ( XX/XX/XXXX ) - DATE OF LAST ACTIVITY is then inaccurate 10. Then - DOFD is invalid ( XX/XX/XXXX ) - inaccurate, based on what's reported 11. Delinquency First Reported - is inaccurate ( I have reporting to show when ) 12. Charge off amount <> Balance 13. Date Closed is Blank Please complete/update/correct your reporting, or delete this inaccurate Tradeline. XXXX Account Info Account Name US BANK Account Number XXXX 1. Account charged off. {$1000.00} written off. {$1400.00} past due as of XX/XX/XXXX, please report how this occurred ( delta ) 2. XXXX - FCRA Date is inaccurate 3. XXXX has a CLOSED DATE - when is it? Payment/Balance/Rating History is inaccurate and incomplete 4. Balance History repeats itself - from XX/XX/XXXX to XXXX .... 5. Charge Off as of XX/XX/XXXX to XX/XX/XXXX 6. Dates mean everything -- - 150 days past due as of XX/XX/XXXX, XX/XX/XXXX 120 days past due as of XX/XX/XXXX 90 days past due as of XXXX XXXX 60 days past due as of XX/XX/XXXX 30 days past due as of XX/XX/XXXX, XX/XX/XXXX Please complete/update/correct your reporting, or delete this inaccurate Tradeline.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07039
Submitted Via: Web
Date Sent: 2021-03-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a complaint on XX/XX/2021 with XXXX after viewing my credit report and noticed that there was an account that did not pertain to me. I sent them an identity theft victim complaint and affidavit with my California driver 's license and certified police report from the XXXX XXXX police department to support my claim. They told me that they had forward my document to US Bank with account number XXXX as a fraudulent account that they would remove the account. This account is fraudulent and needs to be removed from my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95134
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-03-20
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: Ive never been delinquent nor missed a payment. I paid off the balance and received a notice that the APR was increasing to 23.49 %. When I called Elan Financial Services, they informed me that it was due to the credit bureau report. My credit score increased by XXXX points to XXXX in the past month. This is a good credit score and there were 4 credit cards paid off so my debt decreased. Why is the APR increasing? This IS NOT a new credit card. There is no introductory rates as Ive had it for a few years. I will be attaching proof of my credit score via my XXXX credit card, the letter received from Elan and a copy of my account. This is abuse of financial power. During a pandemic, Im being punished for paying it off. They can no longer collect fees from me so they punish me for it. They must be stopped. This isnt fair nor right. I also tried to view my credit score per the services available to me, however, it kept routing back to the same page, basically, Elan says you can view your credit score for free but dont have this function/process active!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20774
Submitted Via: Web
Date Sent: 2021-03-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A