Date Received: 2020-12-20
Issue: Fraud or scam
Subissue:
Consumer Complaint: I obtained several Digital Prepaid Visa cards [ XXXX XXXX XXXX ] through the XXXX rewards program, and all of the cards would be applied to my digital wallet via their website where I can view the cards and balances and transactions. I currently have six cards active and have been using and viewing the cards balances online. Recently I used one of the cards to a XXXX XXXX application for XXXX. After I entered the information and XXXX accepted it. I went to log into my XXXX account again to check my balance and was surprised to find that the card disappeared from the list of prepaid cards. If I did not specifically look for that particular card I would not have noticed it disappeared from the relatively large list of cards that I have. I am currently contacting the company regarding this but no one is picking up the phone currently. But this is a huge breach of trust a financial company can inflict upon a customer, to remove a card without any notification or clue or email, so that the customer will not notice and take action because it is not listed in their account anymore and easily unnoticed from the list of cards they currently have. Such a company can profit out of this because they will obtain all the funds on the card once it has expired in 6 months all without the customers knowledge. Such a practice must be reported and brought out to light or financial companies will take advantage of customers trust through practices such as this in which customers have no control over.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19120
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: US Bank after 12 + years of banking no issues.We had used 0 % offers and paid them off before they went to a high % rate.In XX/XX/XXXX I saw the accounts from online showing XXXX balances 0 payment due.Because I was at another location on a job without my books with me .THE CREDIT CARD was with two different numbers same card US BANK CALLS IT CENTRAL BILLING. The offers we had used before had a number attached SO I THOUGHT THIS NUMBER WAS A NUMBER TO A XXXX XXXX promotion low % as in the past. I only had access to what the computer showed and the balance was XXXX with line of credit.So when he used the Credit card and we sent payments next statement I assumed this one is paid off.LIKE WE HAD DONE IN THE PAST. In the first part of XXXX I had been finding out the payments were not doing anything BECAUSE THE REAL STATEMENTS after I HAD CONTACTED THE BANK TO SEND the statements that shows the real amount due.I could not make since of why a late payment or fee for over the balance was being added.To find out no low % offer huge credit with a 22 % rate two separate statements same card two different numbers .ONE SHOWS XXXX OWED NO FEES DUE NO BALANCE other shows no charges only a amount that was charged and a balance with now minimum payment due.In XXXX I wrote the CEO office in hopes of getting help.After 10 letters sent emails also, only the same letter came back Not address any of the REAL ISSUE.The payments in XXXX were made even doubled.After I had exhausted every effort a compromise was offered 4 % without lowering the balance.On two cards that had been converted by the bank to this system.You can see the paper we were sent.NOTHING SAID ABOUT TWO DIFFERENT NUMBERS ONE CARD. XX/XX/XXXX I accepted the offer for the COVID HARDSHIP thinking when they spoke it was going to be as they said it would.THE payments would not be forgiven just put on the end of the loan.YET the compromise given by a XXXX NEVER being able to speak to him again after he had given his direct # We sent in payments and one was to be for both of the cards.Yet no one would call back and i said what about this hardship offer NO RESPONSE My husband is on the card and could not hear well.So he gave permission to allow them to speak to me.THEY WOULD GET PERMISSION THEN TRANSFER AGAIN AND WE HAD TO DO IT AGAIN.So they suggested I get power of attorney .We did that in XXXX finally was able to get a notary .Sent it in to all of the places they asked us to mailed .emailed to ceo office.copy of driver license passport statements social security letter .They sent it back i have letter they could not find the account.THIS IS IMPOSSIBLE.After not being able to be sure of what they were doing .THERE WAS letter to say we are reversing a payment .see the copy DOESNT MAKE IT CLEAR WHAT THAT MEANT SEND IT BACK TO MY BANK OR WHAT? meanwhile i made another payment this is all in XXXX TO XX/XX/XXXX .So the XXXX payment comes on these two different cards with four number two per card. Shows a amount of {$660.00} min payment and {$1500.00} was sent when the XXXX and XXXX payment was not supposed to be billed with the hardship.AND the credit was {$70000.00} ( XX/XX/XXXX ) No one gave any explanation AGAIN ASKING for DURABLE POWER OF ATTORNEY THAT HAD BEEN GIVEN TO THEM in XX/XX/XXXX this was XXXX XXXX STILL TRIYING TO GET HELP they send letters cant get through on the phone the online for the account we had used for a lot of years said we had to call. AT THIS POINT I GAVE UP AND I DONT BELIEVE ANYTHING THEY SAY.Statements are not correct with what was told to us.And to send money that is not being used as they said it would be used, refusing to answer how a card can be made to look like one thing .WHEN IT IS REALLY BEING USED AS A HARD MONEY LOAN.THERE is no way to deal with them.THEY MAKE YOU TALK TO ONE PERSON ON ONE CARD ANOTHER ON A DIFFERENT CARD.PROMISE A SUPERVISOR WILL CALL BACK AND THEY DONT.Now i get a lot of calls.That i don't take anymore.I have asked for as senior associate that has access to all of the cards.A communication group for CEO has sent letters that are wrong .THEY CANT EVEN GET the numbers straight to the cards or the fact PAYMENTS WERE MISAPPLIED OR the card was a hoax to make you believe in central billing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92646
Submitted Via: Web
Date Sent: 2020-12-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-19
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: I participated in an account opening bonus program for XXXX dollars when I opened an account and make a direct deposit. But there's no bonus applied on my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 681XX
Submitted Via: Web
Date Sent: 2020-12-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Elain Financial Services didnt give me credit on my account for the month of XX/XX/2020. As factual proof of payment for the month of XX/XX/2020, I provided Them with my citizens bank statements showing multiple payments being made via automatic pay for the month of XX/XX/2020.
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: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: US Bank has placed lates on my credit report with no attempt to resolve the delinquency, This appears to be some type of credit parking. Just placing the late and delinquent amount on a consumer 's credit with no intention to contact me. They are also charging me late fees and a {$20.00} fee each month since XXXX. In XX/XX/XXXX I used my ATM card thinking I had money in my checking account and took out {$300.00}, they approved the charge and gave me the money. I did not know that I did not have the money in there because this is not an account I used often, but an account I had some savings in and had needed for a 2nd mortgage i opened over 10 years ago. They used some type of over draft account I had and was not aware of this. In XXXX I sold my home and US Bank was notified. I also put in a forwarding order with the bank. I moved to paperless statements at some time as well. I had no need to access statements for US bank because I was not using their service. Well today when I accessed my account online I saw the delinquency and immediately paid it. They made no attempts to help me resolve the delinquent account before they parked this delinquency on my credit report and charged me over {$130.00} extra, which was paid. My phone number has not changed and no calls or messages have been left for me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 956XX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This is a complaint about Fidelity Credit Card services ' dispute department, and in particular, about interactions with them on XX/XX/2020. I spoke with some people, XXXX and XXXX, who were extremely helpful, and I would like to commend them and encourage Fidelity to put them in charge of this whole area. The problem lies in their Case Processing department, which I am concerned is engaging in deceitful practices. They claim to have contacted me to request additional information, and to have closed disputes when I failed to provide it. But what they actually did was to call me from a number with no caller ID, ( XXXX ) XXXX, and hang up on me when I answered the phone without speaking, and on the basis of this mark their logs as having made an attempt to reach me. The only way I figured out that these calls were coming from Fidelity Case Processing was by spotting the same exchange number in another Fidelity employee 's direct-dial number. My understanding from my conversation with XXXX and XXXX is that the hang-up caller is named XXXX and is a manager in case processing. This behavior is at a minimum unprofessional. I would also like to mention that this number is set up to provide either false or incomplete information when calls are placed to it : it says " the number you have called is the caller ID number for US Bank and XXXX XXXX XXXX ''. This may suggest that Fidelity Disputes Case Processing has adopted a deceptive strategy to contact consumers in a way that allows them to claim to have contacted consumers to seek additional information while concealing the fact that they need information, and then using this to justify closing disputes rather than helping consumers. Obviously I can not say for sure that this is strategic deceptive behavior, but it seems to me that this is the kind of thing a careful regulator with consumers ' interests at heart should be concerned about.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07470
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: I had a credit card account with Elan Financial Services. I got behind on this account, and Elan closed the account in XX/XX/2017. I later paid off the balance in full. However, Elan has kept the phrase " {$1400.00} written off '' as part of the Current Status. This is very misleading since I paid it off years ago. I have disputed this with Elan multiple times, and they will not change it. From a credit reporting perspective, it essentially did me no good to pay off the account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40299
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-18
Issue: Closing on a mortgage
Subissue:
Consumer Complaint: I opened an HELOC account with US bank that has currently XXXX balance. When I opened the account Banker told me if you do not carry any balance on this account you can close the account anytime without any penalty. I talked to couple of times already and paid a small amount they charged to my account ( as annual fees of $ XXXX which was also not told by the banker when I opened the account ). After I paid the account asked them to close the account and they promised me account is closed. They repeatly told me your HELOC account will be closed, nothing to worry as you ahev now XXXX balance on your account. I thought the account has been closed as promised. I tried to refinance my mortgage through another lender ( XXXX XXXX ) and during closing cost dsclosure document they have an item US Bank {$400.00}, I got surprised after seeing this. Called US bank again and I was told if you close the HELOC within 3 years of opening the account you have to pay {$400.00} of penalty. This was also not disclosed by the banker during opening of the account. These are the deceptive practices US bank is using to extract money from customers. Please take action against the banks who are involved in such deceptive practices. This is really bad for consumers, even though we do not owe any money to bank, they are penalising customers unnecessarily by using these kind of deceptive practices. They told me these are the agreement I signed. Bankers need to disclose all these information that is on the contract during opening of the account to consumers. This was not done in my case.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-12-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On Sunday, XX/XX/2020, at approximately XXXX XXXX, I tried to withdraw {$60.00} from my checking account. The machine took an extremely long time but looked like it would ultimately dispense the cash. However, at the very end of the process, the electronic receipt appearing on the screen said, " Reversal '', and the cash was NOT dispensed. My account was charged {$62.00} ( which includes the merchant {$2.00} fee ), along with an additional {$2.00} which US Bank claims it charges for using a non-US Bank machine. Please note that this consumer realizes full well that ATM machines actually SAVE banks money by taking on the role of tellers. They should be paying us to use the machine. US Bank 's electronic system FAILED to note that it was a " Reversal '' ( I'm sure that electronic message had to have been communicated ) and DECIDED to take the money out of my account officially 48 hours later. The 24 hour delay ( it should have taken only the usual 24 hours to post ) meant that a dispute filing was also delayed for that time. No provisional credit has yet been issued, despite the infinitesimally small amount, and the only thing they will say is that I have to wait AT LEAST 10 business days. They are USING my cash, so will I then get the interest they are making on it while they hold it?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 985XX
Submitted Via: Web
Date Sent: 2020-12-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: On XXXX XXXX I paid {$100.00} for a XXXX with XXXX XXXX XXXX. Unfortunately it was not a XXXX, the dr did not even look at the area I wanted the XXXX XXXX done on, did not answer questions, this was not a XXXX. I sent an email with questions and concerns to XXXX of XXXX XXXX XXXX on XX/XX/2020. XXXX replied on XX/XX/2020 stating that they would issue me a full refund for {$100.00}, did not want to work with me on my XXXX. See her email below which I have attempted to share with US BANK for dispute claim : From : XXXX XXXX Sent : Thursday, XX/XX/2020 XXXX AM To : XXXX XXXX < XXXX XXXX> Subject : Re : Additional questions XXXX, After speaking with Dr. XXXX and staff, I believe it would be mutually beneficial to terminate the physician/patient relationship between our office and yourself and that you locate a new physician for treatment. You may contact our front desk and we will issue you a full refund for the {$100.00} consult fee you paid to your original payment method. Sincerely, XXXX XXXX Manager XXXX XXXX XXXX ( XXXX ) XXXX I disputed the {$100.00} charge with US Bank on XX/XX/2020. US BANK issued {$100.00} provisionary credit and did not indicate that I would need to follow up with them, just explained that they would investigate dispute. On XX/XX/2020 US BANK to my surprise with no explanation reversed the {$100.00} provisionary credit. I called US BANK and spoke with a supervisor named XXXX who explained that I never provided completed form that they needed. I explained I never received any form to fill out. XXXX said he would send the form via US mail. I waited and the form never came. At this point on XX/XX/2020 I reached out to the dreaded XXXX at XXXX XXXX XXXX asking that she issue refund as promised because my dealings with US BANK were an awful runaround, dead end, nothing was being solved. XXXX said she would issue check if I removed negative review I posted about the XXXX XXXX XXXX. The check never came, she lied. I called US BANK again on XX/XX/2020 asking for the form, for ways to get my {$100.00} back and the rep told me my dispute had expired. I asked to speak with a supervisor and he said he would have one call me back. No one ever called. On XX/XX/2020 I called US BANK again asking for help with this dispute. I spoke with XXXX, a cardmember service rep and no resolution was provided, I am still owed {$100.00}, have not been given proper opportunity to provide proof that this dispute is valid.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 802XX
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A