Date Received: 2020-08-11
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My credit card with the account number ; XXXX XXXX XXXX XXXX was fraudulently used at a merchant named ; XXXX *XXXX XXXX XXXX XXXX GA in the amount : {$2100.00}, {$2000.00}, {$2100.00}, {$2200.00}, {$2200.00} and according to the card terms and agreement, as I customer I am covered with 0 % fraud liability but my account was shut down and Elan financial Services are asking me to pay the amount of XXXX one also my account was shut down because they claimed I didn't responsibly handle my credit card properly which is no where in the agreement. I lost my card during the XXXX XXXX XXXX protest in XXXX, my wallet and ID And other credit card were stolen and this is something I don't have no control over. I am being treated unfairly and I feel intimidated/ discriminated against cause if I were to be a white customer I believe this situation would have handled a little differently.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2020-08-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: I have had ( credit card ) charges denied three times in three weeks. Our bill is paid in full each month, so it is not due to our behavior. US Bank is becoming overprotective and seems to think everything is going to be a fraudulent charge. I have spent many minutes on the phone getting my card " unlocked '' when I have done nothing wrong! US Bank is clearly more interested in holding on to their money than they are in my being able to use my credit card consistently. Approximate dates of denial of charges : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX They agreed to have text messages sent to me when this occurs so that I can quickly say " Yes, that is my charge, '' but today 's denied transaction gave me no such message. THE PROBLEM IS THAT THEIR IS NO INCENTIVE FOR US BANK TO CHANGE THEIR BEHAVIOR. I can be penalized for MY mistakes, but they are not being penalized for theirs.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97123
Submitted Via: Web
Date Sent: 2020-08-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: Hello, I have written the letter below and mailed to the Disputes department at Elan Financial Services. I have tried to resolve this matter with them over the phone, but they insisted the only path was sending physical mail to their disputes department. I have concern that because I can not speak with them, and there is no formal guidance on the matter of customers impacted by COVID-19, that they will not handle my dispute properly. I am therefore opening this CFPB complaint concurrently with my mailing my dispute to Elan Financial Services in the hopes that the matter will be handled appropriately given my circumstances. Letter to Elan Dispute Department : Date : XX/XX/2020 Concerning Account Number : XXXX XXXX XXXX XXXX Dear Elan, I am writing to dispute the credit bureau reporting on my credit card account XXXX XXXX XXXX XXXX. I opened this card account a few years ago with my ex-partner, XXXX XXXX, and applied jointly with him in order to help build his credit. Although I am noted on the card as a liable account owner, the card was solely used by my ex-partner, so he therefore managed the payments on the card. During the COVID-19 pandemic, he allowed the card to go delinquent. I became sick with COVID-19 and was hospitalized for several weeks while the card was in its delinquent status. I have attached a note from the doctor that cared for me during my stay. Because I was hospitalized, XXXX acted without my knowledge and chose to settle the account in the month of XX/XX/2020 for less than the full balance due. This resulted in a charge-off status appearing on my credit bureau for the unpaid portion of the balance. Prior to the pandemic, I had an XXXX+ credit score, and it has now dropped to around XXXX. I have less than 10 % credit utilization on about {$25000.00} in open credit line. I have never missed credit card or mortgage payment until this pandemic while I was hospitalized. I unfortunately found out about the XXXX card settlement as I was preparing to apply for a mortgage to purchase a new home so I can put my daughter into a better school district. As I said, I do not use this card, but I understand that technically I am liable for the debt. I also understand that the credit card debt is settled in full, but I am still enclosing a check payment for the remaining balance. In return, I am asking that Elan consider the unique circumstances I have faced due to my XXXX XXXX and XXXX. I would like Elan to reverse the charge-off status and settlement status on the card account, so that my credit bureau does not show that this account charged off and settled. Im hoping that you will understand the situation, and clear this negative reporting that is now appearing on my credit bureau report. Although I hope Elan can resolve this for me, time is of the essence for me. I therefore will be filing a Dispute on the account with all three major credit bureaus. I will also be filing a complain with the CFPB to ensure that the response to this situation is appropriate given the unique circumstances of the COVID-19 pandemic. I am not sure that all financial institutions will handle their response to this pandemic the same, so to avoid confusion I want to notify the creditor, credit bureaus, and consumer financial protection bureau to ensure this situation is handled correctly. Thank you, and please contact me at XXXX with any questions. Best regards, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19116
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: In XXXX, I recieved a gift card of {$500.00}, drawn on US Bank, as a first place prize that my daughter won in an art contest. When we decided to use the card, we were told that the card already had two large purchases on it totaling {$440.00}. We had never used the card and it was still in the packaging it came in. When I contacted US Bank, I was told that they would investigte the charges. Ultimately, they could not confirm where or who made the purchases, so they sent us another seperate gift card for the remaining balance of {$56.00} which we used. On XX/XX/XXXX I recieved a letter from US Bank advising me of an " unredeemed gift card '' and if wanted to claim these unredeemed funds, that I needed to respond by XX/XX/XXXX which I did. I still have not recieved the check from US Bank, for have I gotten any further communication from them. When ever I call the bank, there is no one to help and they are not even able to access any information about the card for me, this inspite of the fact that they sent me a letter indicating that I had an un redeemed balance of {$440.00}. The CSR 's at US Bank, ask me what kind of card it is which is VISA and they then proceed to transfer me to them, but they are not able to help either. US Bank has a gift card customer service department, but whenever I'm transferred to it or attempt to call them directly, the call gets dropped. I have been trying to resolve this issue since XXXX, but gave-up on it when I realized that US Bank had no real incentive to help me. However, when I received the letter on XX/XX/XXXX, I thought that perhaps they realized that the card had never been used and still has balance on it. Again, I never used the card and had no idea of how or when the card was used. I would greatly appreciate any assistance that you can provide to me in resolving this matter. Thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WV
Zip: 26505
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
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: I am a victim of identity theft. Due to the Corona Virus Pandemic, we are all facing which has me sitting still at home and I saw the recent news about the multiple XXXX Data breaches. I decided to look at my credit reports from the 3 major credit bureaus and found that someone had used my Identity. I have no idea how the theft took place. I also have no knowledge of any suspects. I did not receive any money, goods, or services as a result of identity theft. I contacted the Credit Bureau and told me to file an Identity Theft Report which I am doing. I appreciate your effort in getting this matter resolved. Thank you. Please let me know if you need any other information from me to block this information from my credit report. Thank you.
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: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-10
Issue: Trouble during payment process
Subissue:
Consumer Complaint: In response to complaint XXXX : US Bank agreed to waive all late fees that had been applied to my account. I was assured this would be corrected by Thursday, XXXX. I logged into the payment portal tonight and I see they have applied another late fee, I can only imagine in retaliation to my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22192
Submitted Via: Web
Date Sent: 2020-08-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: XX/XX/20 received a USBank Reliacard. It shows a balance of {$11000.00} in UC Benefits. I did not apply for UC Benefits I am retired for 7 years. I believe someone has Applied for these benefits illegally. Can you please help me with this problem. Unfortunately I had to activate the card to find out any info about it. I have not made any withdraws on this card and I don't intent to. Please help me with this problem. XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 151XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I had an unemplyment card i used for about a month and had a problem with a purchase and disputed. They sent me a new card which had aboyt XXXX $ on it and transfered after i activated my card and went to use my money it then told me i had a negative XXXX. Its a prepaid card and in my list of dos and donts it clearky says no overdrafting allowed and no negative balance at any time. Im XXXX pregnabt and doing this shooping for.baby beforee i cant and theyve made it hard to even eat.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 706XX
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-09
Issue: Problem getting a card or closing an account
Subissue: Trouble getting a working replacement card
Consumer Complaint: I just need a new unemployment debit card
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76013
Submitted Via: Web
Date Sent: 2020-08-09
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-08
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a loan with ELAN FINANCIAL SERVICE. I have always made my payments on time. For some reason I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX and ELAN FINANCIAL SERVICE with no successful resolution. XXXX, XXXX, XXXX only reporting me late. There was definitely an error on their part.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 794XX
Submitted Via: Web
Date Sent: 2020-08-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A