Date Received: 2020-08-26
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: I have sent various letters to request an explanation as to why Elan Financial has closed my account. My account was always paid up to date and never late. I went through their customer service and they said that the decision was made based on a letter where I advised them that taking action against me due to age, religion, sexual preference and nationality is illegal. The company didn't respond just advised that they had decided to close the account. This action has harmed me due to closing a account that I had always paid in time and was one of my longest used cards. I should not be discriminated based on the factors they provided and never responded to the fact that I placed a complaint with CFPB. They actually verbally told me that they will make me pay the price for complaining to your organization and they did so by closing my account to hurt me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95747
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: On XX/XX/20 I was browsing around my US Bank app and stumbled apon the monthly maintenance fee for my checking account ( silver package ), it said click the link to find out how to avoid the monthly maintenance fee. I proceeded to investigate and it stated my account would be free if I had direct deposits greater than {$1000.00} each month, at this point I was very upset because my direct deposits have been well over {$1000.00} each month for the past 5 years I've been a customer. I went to my local branch to sort this matter out and come to find out they got rid of my account package 2 years ago and i was never notified and they continued to withdraw money out of my account. The branch was only able to refund 3 months of service fees which I believe is unacceptable! My own bank has been stealing money from me for 2 or more years. Monthly maintenance fees are {$6.00} multiply that by 24 and thats {$160.00}, and if I've been wrongfully charged for 5 years thats {$410.00}. I also tried to contact customer service myself and ended up with the same results they are only able to refund 3 months. This is wrong and I'm reconsidering banking with US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92507
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I have contacted US Bank regarding an entry they have listed on my credit reports. In a recent letter that I received from them dated XX/XX/20 regarding this reporting, they said they have reviewed the information and determined it was accurate. This is impossible because I have never had an account with them. I have never applied for an account with them. Never. I have asked for them to produce any documents with my signature showing that I have applied for credit with them. They could not do this. I have asked them to provide their method of verification which I have a right to request. They can not provide any methods. They also do not respond within the 30 day time frame as allowed by law. I also understand that I have the right to file a lawsuit against them requesting damages up to {$1000.00} per violation that has occurred. I am going to do so if this entry is not deleted from my credit files within 15 days of this complaint. This is my last goodwill effort to get this matter handled before I file a lawsuit and go to court.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37421
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-26
Issue: Problem caused by your funds being low
Subissue: Overdrafts and overdraft fees
Consumer Complaint: Us bank did not reply to the right dispute they took 4 bounced check fees out of me when only 1 item bounced
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 439XX
Submitted Via: Web
Date Sent: 2020-08-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: I submitted an application to refinance my condo in XX/XX/2020 with US Bank. I have not closed on this loan yet. They ordered the wrong appraisal and had to do another appraisal which took many weeks. I still have not received a copy of the appraisal. I have not received a conditional approval. I had to order a condo questionnaire and they gave no guidance as to the type questionnaire to order. No form was sent to me. I ordered the approved US bank condo questionnaire and it cost {$300.00} and now they are asking for a different form. Again with no guidance. I am at a loss as to my next step. I have asked for the supervisor to call me on several occasions and no calls.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: Reli card/Us bank sent a card to my previous address. Due to me filling for unemployment compensation How ever the card Was stolen and use fraudulently. I sent all information and documentation to the contrary!! And they admitted to the mistake! And sent me a provisional credit for half of what was stolen.Over {$4000.00} was stolen from me! THEY made the decision to only return half. Please help totally robbed then victimised!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 190XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Getting a line of credit
Subissue:
Consumer Complaint: Usbank fraudulently declined my loan. I have audio recording from my conversation with us bank. They admit they declined my loan because the yrequired additional information from me. However, they never reached out to acquire any additional information, They used this to falsely decline my loan. They lied several times about contact my for information which they did not. Phone records prove this. Additionally, there fraudulent behavior has impacted my credit score, as they did a hard credit pull priuor to fraudulently declining my loan. This has lowered my credit scored and negatively impacted me. UsBank has committed a clear case of fraud, and they refuse to remove the hard credit pull.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 803XX
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: Kroger-US Bank has been sent letters following my husband 's death on XX/XX/2020 asking them to close the account. On the XXXX statement, I contacted the two entities on the statement, XXXX XXXX ( XXXX XXXX XXXX XXXX for {$7.00} and White pages for {$5.00} ) and asked them to cancel services and paid the statement to US Bank but contacted US bank by letter and asked them to close the account. Yet I received another statement from US Bank at the end of XXXX and again in XXXX with the same recurring charge for XXXX XXXX XXXX XXXX, which had they closed the account as requested could not have posted and resulted in yet another charge on the Kroger-US Bank account. I sent letters in fact aon XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and also responded to their letters telling me in essence that I had no authority to dispute any charges and though they received a certified copy of his death certificate and a copy of the will registered as a legal document here in XXXX Texas, they continue to this day to send letters addressed to my dead husband requesting that he call them to discuss. I have spoken to representatives in several areas at US Bank and have received no resolution. I would like for them to close the account and stop permitting XXXX XXXX submit charges for XXXX XXXX XXXX XXXX. I have contacted XXXX XXXX but have received nothing more than a phone message directing me to their website and to date they have not responded to the message I have left on their website.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77304
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-25
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Elan Financial Services has placed an account on my 3 credit bureaus that is not mine. I am a victim of identity theft. This account is not mine. A hacker stole my personal information from the dark net because of the XXXX Data Breach
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33433
Submitted Via: Web
Date Sent: 2020-08-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I started receiving PA unemployment / Pandemic relief benefits on XX/XX/20 thru direct deposit. Then received notice that due to suspected fraud I would be receiving payments via Reliacard. I have not received a card or payment since XX/XX/20 ( over 3 months ). Finally got in touch with Reliacrd, and discovered there was a type-o on my mailing address. Corrected that, then the representative informed me I would receive an email in 5 days to tell me how to proceed. Its been over 8 days and I have not received the email, nor can I get in touch with a Reliacard representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 184XX
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A