Date Received: 2020-12-17
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I have over XXXX in my account and literally haven't been able to touch none of it the card company us bank relia card the customer service team is hands down the worst known to history of XXXX I can't buy XXXX it's blocked I tried to get milk blocked wait 24 hours everyday can't take all the money at once I mean I'm so upset I don't know what to do nobody helps all they do is hang up cause they think that's easier then helping the problem
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97219
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: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: Elan Financial Service Account number XXXX Account status Closed Date opened XX/XX/2016 Credit limit {$1000.00} This account does not belong to me and is currently involved in litigation. This account is incorrectly placed on my credit report causing harm to me. I have reached out and disputed the accuracies of this account. I demand this 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: AZ
Zip: 85202
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: There are unknown hard inquiries on my credit report. Im requested the verification of the inquiries and the method of verification. On XXXX XXXX, 2020, ELAN FINANCIAL add a hard inquiry on my credit report per XXXX. But companies did not provide the following proof : Permissible Purpose My written authorization Proof that I personally initiated these inquiries. To my knowledge, I have not signed any documents authorizing your organization to view my credit history therefore, your inquiry into my credit report violates the Fair Credit Reporting Act, Section 1681b ( c ) : Transactions Not Initiated by Consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55448
Submitted Via: Web
Date Sent: 2021-01-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
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: After XXXX XXXX XXXX lied about every aspect of their business, history, and proposed service, ghosted every attempt to contact them, refused to provide any service or correction to proposed service whatsoever, ghosted me every time I called, I filed a dispute against the initial deposit that was charged to my card to reserve their truck in SF the weekend we discussed for a move, a truck they neither owned or ever owned according to the XXXX XXXX XXXX. In fact, further DD on XXXX showed that they were a new business only recently registered before my initial contact, that a previous business name had nothing but XXXX, XXXX and upcharge complaints, that very little was legitimate about them. When I asked US bank ( XXXX ) whether I need to worry about the dispute or chargeback, they said not whatsoever. Knowing I needed to contract for another moving service and postpone my move for more than a month, I called XXXX again to confirm that I should and could do that, and they reconfirmed the efficacy of the dispute chargeback, at which time I extended my rent ( a little over $ 4k ) and contracted for relocubes from XXXX {$2800.00} and moving services at my place ( {$400.00} ). Last week, US bank sent me a letter to say they were reversing the dispute chargeback. They were vague about the reason why but included an estimate that XXXX had provided to them. It was created after the initial deposit had been made, which includes language and terms that were never agreed to, confirmed, or signed. In fact, even with the copy of invalid terms, XXXX has not performed a single task or service listed. Their service level and my dealings with them are detailed in another attachment letter. I truly feel they're a temporary entity created just to funnel customer acquisition to partner firms engaged in rogue moving scams. Every real ( they created XXXX fake reviews before the business was even registered as a business ) review on XXXX since has confirmed this. US Bank 's action not only makes little sense, their inconsistent messaging and reversal costs me an additional 5k+. The decision to walk away from XXXX and stay an additional XXXX XXXX months XXXX XXXX XXXX factored in original US Bank decision and the risk of being taken XXXX and XXXX, but I was happy with that decision ( paying the add'l rent and overlap ) to avoid a brush with a criminal organization. US bank 's decision to reverse the dispute not only costs me a deposit which I received nothing for except headaches and stress, it also cost me all my overlap costs because it was the primary factor for deciding to do it in the first place.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-17
Issue: Getting a line of credit
Subissue:
Consumer Complaint: My bank 's website has an option to apply for a " basic loan '' as they call it. I applied for it, and the denial said that I did not have enough automated deposits recently on my checking account. Is that legal to require deposits to be automatic? That seems weird to me if my deposits are regular but actually use a branch in person rather than automatically. So that if someone deposits a paper check instead of ACH then they don't get a basic loan, I guess. I know I have other problems with my credit, but this reason seemed unfair to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98031
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: My name was legally changed in XXXX. I have been trying for months to get Fidelity to change my name on my credit card. All of my other credit cards updated my name long ago. I also asked them to please address me by my correct name in our correspondence, since it's rude and hurtful to call me by the incorrect name. They persist in addressing me by the wrong name in correspondence despite my requests. This is especially frustrating because our correspondence on this issue has dragged on for months at this point. There is no good reason for them to use the wrong name when messaging me once I have pointed out that it's inaccurate and hurtful. Additionally, they have not provided me with the means to change my name. They first told me I would need to fill out paperwork they sent to me in the mail. It took about a month for the paperwork to arrive at all. I sent it back immediately and then they sent me a new credit card with my old ( incorrect ) name on it. When I followed up with them about why they sent me a new credit card with the incorrect name, they informed me that I hadn't provided evidence of a legal name change. They had not previously requested such legal evidence, despite the fact that we had been corresponding for 2 months at this point. I had filled out the paperwork they sent me about a month prior, and that paperwork never made any mention of wanting legal evidence of a name change, and therefore also didn't describe what they would accept as legal evidence of a name change. I've attached here a photo of the paperwork they sent me ( by mail, with about a month 's delay after I requested the name change ) and that I completed related to the name change, which demonstrates that they did not request any legal evidence or describe what such evidence might entail.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02139
Submitted Via: Web
Date Sent: 2020-12-17
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Advertising and marketing, including promotional offers
Subissue: Confusing or misleading advertising about the credit card
Consumer Complaint: Hi, I have a finance background and am concerned with some behavior I have witnessed from Fidelity in the last few months. Fidelity has a partnership with Elan financial to offer credit card and balance rollovers. I replied to a teaser of 18 months with 0 % APR. The balance rollover didn't go through ( they claimed for some unknown reasons ) and I tried to call multiple times to fix it. It took many hours to get them on the phone. Even just to activate the card took hours collectively to fix the issue ( I gave up 30 minutes on hold several occassions since they provided no information about wait times or my place in line ). This is a deceptively low level of service only revealed to customers after they open the line of credit, and I think they just wanted to have me open the account without fulfilling their promoted offer and end of the deal. Further, they used my Fidelity investment account information to make the offer to me, so I tried calling that branch and they said that they can't help me at all and it's all Elan. I told them about the impossible hold times and they didn't care. I find this behavior borderline bait and switch and believe this could harm some consumers. Today, I was able to make progress on this issue, but it collectively has taken many hours of my time and seems borderline. Only because of my persistence and understanding was I able to navigate this. Note that I am not worried about their holding up their end of the deal for me, as much as I am worried about other customers. I am persistent and have wasted much time fixing this, but I doubt this will be true of their other customers. If the barrier is systematic this strikes me as a problem. ( I acknowledge I could have gotten incredibly unlucky in my interaction with them ). However, their online reviews seem to suggest they have a history of this. For example : XXXX XXXX XXXXXXXX Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90046
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
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: In XX/XX/2020 Elan Financial reported a late payment on my credit. XXXX credit card services switched banks and Elan financial took me off auto pay when they took over. They called me 33 days after my payment was due and I immediately paid it. They even took off the late fee and assured me it wouldnt be a problem. They also mentioned with Covid-19 they had some deferred payment options. When it hits my credit they tell me sorry you were late. Not taking into account they took me off auto pay. Their response was we mailed you a letter even though I have relied on autopay for 6 years! Not fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91737
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: The account in discussion is US Bank Account # XXXX the issue at hand is a late in XX/XX/2020, I was sick with XXXX and was unable to make the payment or call to defer the payment. As soon as I was able I did make the payment immediately. Along with that I had fee waived which means a financial accommodation was made for.. According to the CARES ACT if any accommodation has been made no late pays may be reported to the consumer reporting agencies. If you fail to make the correction this may make you liable for willful negligence ( FCRA 1681 ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-12-16
Issue: Trouble during payment process
Subissue:
Consumer Complaint: US Bank repeatedly mails me statements that do not reflect my payments, which are always sent in on-time. They threaten late fees when it is apparent that they simply jump the gun and prematurely send out statements with a double balance. My monthly amount due is {$1400.00}, but more than once, US Bank has sent me a statement for {$2900.00} because they are too incompetent to wait 2 days for a payment to arrive before they generate another statement. The new statement then threatens late fees for not paying on time, when I always pay on time AND I overpay my principal. This results in me having to take time out of my day to deal with their frustrating automated telephone menus and long hold times to get a new, accurate statement generated and verify that these crooks actually properly processed the payment I sent on-time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75023
Submitted Via: Web
Date Sent: 2020-12-16
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A