Date Received: 2021-02-02
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: On XX/XX/XXXX, I called to inquire about my account because I was unable to use my accounts at a merchant. I was told that my accounts were closed for my protection because of a large number of purchases I made for my business at XXXX XXXX and some incidental purchases of gift cards. On XX/XX/XXXX, I received three letters from U.S. Bank indicating that all my U.S. Bank and Elan Financial Services credit card accounts had been closed. On XX/XX/XXXX, I sent a letter to U.S. Bank stating my concerns and requesting that my accounts either be reopened, or that I be paid for the rewards associated with the closed accounts. In late XXXX, I received a letter dated XX/XX/XXXX stating that U.S. Bank would neither pay my accumulated rewords nor refund the annual fee that I had paid. The losses U.S. Bank caused me through their adverse action are as follows : XXXX points awarded to my XXXX XXXX card, worth {$1100.00} when redeemed for travel at XXXX cent per point {$180.00} in rewards from my U.S. Bank XXXX XXXX XXXX XXXX, as of my XX/XX/XXXX statement {$400.00} annual fee I paid for the XXXX XXXX card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55305
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Hello my name is XXXX XXXX and my ex husband was receiving my unemployment benefits since XXXX and Im trying to get what I am owed. They told me to put up a couples of pictures to verify some things. Its for the XXXX card. He received everything and I didnt I have proof.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 432XX
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: My name is XXXX XXXX. I live & work in XXXX as a front line worker in a very busy hospital. I only mention this cause it has a direct affect on my issue. I had a credit card with my bank. XXXX bank in XXXX. The credit card company XXXX bank uses is Elan financial services. In the Beginning of last year 2020, around XXXX, I payed off this credit card in full 100 % paid off. After the card was payed in full I then canceled the card. Cut the card into a million pieces and throw it away. I got rid of this credit card because of money. During Covid it has been very tough for me & my wife to get by. Yes am working but she is not. So every dollar counts. This is the reason for canceling the card so there would not be a bill every month. Months later, around XXXX, a website company XXXX, that I was using for a website needed to be renewed. The credit card I had canceled was listed so XXXX charged that card. These charges should never have happen. The card was canceled. Elan financial services should have informed XXXX or the charge should had bounced back to Wix or they should have informed me. They did not. instead The charge Went through so I was charged almost {$300.00} on a credit card I already canceled. When I received the bill from Elan financial services I called them directly and was told they can not do anything. That the chargers went Through because that is the card that was on file and even Though I already canceled the card it didnt matter. The only way I could cancel was if I contacted XXXX to cancel the chargers. I did. I called XXXX and for days & days in XX/XX/2020, I had to fight with XXXX about canceling these chargers. Again being a front line worker it was extremely difficult To step away from my busy job at the hospital to make these phone calls not only with XXXX but with Elan financial services Finally XXXX agreed and canceled all charges. I spoke with a manger who explained that all chargers would be dropped. I then contacted Elan financial services and let them Know. I thought I was cleared from this but I was not. Few weeks ago I received a bill for {$24.00} from Elan financial services A fee the credit card company is staying is left over from the charges XXXX charger. A charger that should had never happen. Elan financial services is telling me that I must pay this bill or they will continue to hit with late fees. Even though I told them the mistake XXXX made and even though I told them XXXX is going to refund the {$24.00} they still want there payment from me. I called Elan financial services and explained my situation. Instead of just canceling this fee. A fee that should never have been put on a canceled card, they told me I had to pay it. Nothing they can do. I feel like am being scammed and squeezed by Elan financial services over {$24.00}. A way they can keep charging me and getting money from someone who truly needs every dime I make to Survive. Even thought XXXX is going to refund the {$24.00} they are still charging me These fees should be canceled and I should not have to pay any more money to Elan financial services Please help A front line worker tried of being scammed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11232
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-02
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went to a branch to deposit my check on XX/XX/XXXX with a teller and have had delays with my check due to what I believe was discrimination and retaliation. On the date of XX/XX/XXXX, I had a bank teller problem where she had treated me unfairly and I think she retaliated against me by " delaying '' my transaction and causing my funds to take longer than normal. It's been as of today ( XX/XX/XXXX ) that my check has still not cleared yet with the bank and I've called XXXX and XXXX to get a clear understanding of the hold time. The first customer service agent I've spoke to told me it was the branch that has the power to clear and hold a check longer than normal, then the second customer service ( on a different day ) told me it was their system that determines this which she said was too long because, and I agree with this being 11 days already. Now, before the institute responds with a rehears line, I've always deposit this financial institute check before for many years with US Bank and this check is a well established company ( XXXXXXXX XXXX ) that I have had for over 5 years as well, and this check was about the same amount as prior check amounts ( under {$1000.00} ) and I've never had a check bounce, decline or suspiciousness with a check nor my account. I've never had an overdraft or any fraud related suspicious activity with my 10 plus years with this bank. All of my accounts with US Bank is, and has been in excellent standings prior to this teller encounters which is why I believe was an act of retaliation and discrimination on that date and a person like her should not be in the banking profession mishandling Federal currencies any way she feels when she get upset with a customer. This 11 day hold is unreasonable and unprofessional when my checks always is 2-4 days ( at least from XXXXXXXX XXXX of a hold. And strangely this teller withheld my funds doing such a tragic event in world history that I guess she thought I would be like most and in dire need of money to survive during this pandemic.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60056
Submitted Via: Web
Date Sent: 2021-02-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Follow-up to complaint ID : XXXX. XXXX from Cardmember services left a voice message at XXXX EST on XX/XX/2021, four minutes prior to leaving his post for the day which was stated on his voice message ( XXXX XXXX departure time ) upon promptly returning the call at XXXX EST. A message was left for XXXX stating that the CFPB would be contacted again for the negligence and express judgment inappropriately passed by XXXX Elan Financial prior to speaking to their client. Elan Financial had additional questions that have gone unanswered yet a decision was made against the customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: Previous to XX/XX/2019, we received fraud on our checking account. US Bank advised us to close the account and reopen a new one due to this fraud, of which we did on XX/XX/XXXX. The next month we received a statement saying that we owed them XXXX for credit card/overdraft charges. They said that my husband, when he set up the account, set up for overdraft, when he thought if any overdrafts were to be coming out of his savings. He never signed for a credit card/overdraft protection. This was a special going on at the time and he never signed for it. He never noticed the few overdrafts going to a credit card, only that they were coming from his savings. The company can not prove that he ever signed for this. In the meantime, we have been trying to get help on the phone. When we could not get any help to resolve this issue, we wrote a letter to the President of US Bank. When nothing helped, we called one last time and they said someone would get back to us. A few days later, we received a letter stating that they had written off the {$1200.00} plus interest totaling {$2900.00}. We then called collections and they said to have our lawyer write a letter to US Bank of which he did and we are waiting to hear from them. In the meantime, a XXXX XXXX XXXX told me to write you and that ironically enough, sounded like the scam that XXXX XXXX did ( charged people with a credit card when they did not ask for one and sign up for a new account ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60050
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XXXX sold my mortgage in early XX/XX/XXXX to US Bank. I was informed to follow up with US Bank regarding making sure my property taxes were paid. I spoke with one US Bank rep early in XXXX and they did pay the city tax. I was assured they would pay the XXXX ( county ) tax by the end of the month when it was due. I called US Bank on XX/XX/XXXX and the rep said my taxes would be paid by the XXXX of XXXX. I called US Bank on XX/XX/XXXX and spoke to " XXXX '' in the tax department who said they needed to get approval to pay the late fees. She said to call back in a couple days for more information. I called US Bank on XX/XX/XXXX. I spoke to " XXXX '' in the tax department. He said the property tax in the amount of {$1400.00} which included late fees was paid the prior day. He said the transaction should show online with in 48 hours. I called US Bank on XX/XX/XXXX and spoke to the tax department supervisor " XXXX '' who said the tax was not yet paid and she would have to find out why it was not paid. She assured me the tax should get paid by midnight on the XXXX. I called US bank on XX/XX/XXXX. I spoke to " XXXX '' who said the tax was not paid. XXXX said they would have to get approval to pay any additional late fees and they would call back with an update.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70123
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Refund my damages ASAP.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80302
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-02-01
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Today I called the number that I looked up on the computer and they hung up on me a couple of time after I press the number 1 to disconnect my card..and its asking me for my card number but I dont have it cause I lost my whole wallet..hoping to find it around my house but I still havent found it..and then I logged into my unemployment account to see if I could get a replaced card through them that way but I stopped cause it wasnt working either.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44109
Submitted Via: Web
Date Sent: 2021-02-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2021-01-31
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: On or around XX/XX/2020, I contacted US Bank in order to close my credit card account with them. I was assured by the phone representative that the account will be closed and the {$60.00} annual fee refunded in FULL. I was expecting the refund of the annual fee to be offset against the charge I have made on XX/XX/XXXX, with the aim of avoiding having to deal with the nuisance of having to a check in the mail and deposit it. Unfortunately, contrary to the confirmation by the phone rep, the fee wasn't refunded and the account appears to not even have been closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10012
Submitted Via: Web
Date Sent: 2021-01-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A