Date Received: 2020-08-24
Issue: Other features, terms, or problems
Subissue: Problem with balance transfer
Consumer Complaint: I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 212XX
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with monetary relief
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 have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.
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: 2020-08-24
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: The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... Please Help!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17112
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-24
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 18505
Submitted Via: Web
Date Sent: 2020-08-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I contacted US Bank about incorrect reporting of balance information through all three credit agencies. US bank claims to have charged off the account but they still collected interest for months after the account was charged off. It reports via all three credit agencies that the balance is {$3300.00} when the charged off amount was {$2800.00}. By law they can not continue to collect interest on a charged off account without disclosing that information to me which has not been done. Section 1692g ( a ) ( 1 ) of the FDCPA states that debt collectors must state " amount due '' when communicating. In addtion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court also addressed how debt collectors must communicate interest accrual to debtors. Neither of these have happened. When I submitted a dispute with each of the credit bureaus, I recieved notifications that nothing would be changed and the information is correct. I have proof via XXXX that the amount charged off and the amount US Bank claims I owe differ.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AL
Zip: 366XX
Submitted Via: Web
Date Sent: 2020-08-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I purchased a {$100.00} U.S. Bank Visa gift card at the XXXX XXXX XXXX, Virginia location on XX/XX/2020 and tried to use it about a month and a half ago only to find out it was drained ( fraudulently used ) .. I contacted U.S. Bank 's customer service at the same time and they told me a representative would call me to gather information. The representative called me and informed me that a letter would be mailed out to me to fill out and send back to them. The letter arrive a month ago, I filled it out the same day and sent it back. It's now a month later and NO replacement card has been shipped to me ... I contact U.S. bank via calling, social media, etc to no avail..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20147
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. I unknowingly believed I was paying the full amount on time. I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. The Fidelity user interface MUST clearly show past amount due, or late balance. I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. You may contact me directly at XXXX for further consideration regarding this complaint. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85044
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11375
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-22
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44145
Submitted Via: Web
Date Sent: 2020-08-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-21
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX XXXX and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 2. ELAN customer service explanations were uncaring and vague- no advise. QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX and XXXX XXXX that I see I am not alone ... ..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 34135
Submitted Via: Web
Date Sent: 2020-08-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A