Date Received: 2020-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-07
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: I have noticed that ELAN FINANCIAL SERVICES have placed an inquiry on my XXXX credit file dated XX/XX/2020. As you probably know, Credit Reporting Agencies treat inquiries as a statement of fact and will not allow a consumer to dispute them. I requested both ELAN FINANCIAL SERVICES and XXXX to verify these inquiries. Since it is against federal law ( Fair Credit Reporting Act -- 15 USC? 1681b ) for an entity to view a consumer 's credit report without a " permissible purpose, '' I am writing to inquire as to their alleged purpose, for doing so since I did not apply for employment with their organization nor did I request credit from their organization. Based on the evidence in my possession, this inquiry was performed under false pretenses as described in the clear language of the law. 15 USC 1681n ( a ) ( 1 ) ( B ) states, in part, " in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure are { { {$1000.00} } }, whichever is greater ; ''
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63031
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I am missing 5 payments from my reliacard and they will send me an email saying money has been loaded on it and it never has been. Its not even in the summary theres nothing
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 155XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: My social was stolen in XXXX in XXXX Georgia I did my police report and I call the 3 bereus to tell them. But yrs Past and it got worse. Now I got hack all my account information my emails my phone numbers. They have take car loan student loans and personal loans. Im tired of this night mare I have not be able to used my benefit of my social for 20 yrs and the only thing I get is call just to pay bills that are not my .. I want a solucin and get reward for the yrs I lost I disbute a lot of account but in the 3 bereus they have not erase nothing that they closed. I call and they never respond so they can help me more so they can take out the information that I have not used. My social is lock. My email have been hack XXXX XXXX XXXX everything is hack they have all my information. Is a night mare
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2020-08-07
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: I opened a dispute back in XXXX with XXXX regarding Elan Financial, for whatever reason, the past due payment was removed from my report. A couple of days ago I noticed Elan Financial once again reported the same past due issue once again. I explained to them that subsequently to the migration from XXXX XXXX XXXX which I had set up with autopay, the bill became late and I was unaware. It happens that Elan Financial did not carry over my autopay and although they made numerous attempts to contact me via postal and email ; it is my argument that the envelopes and email were generic by design. I will attach email examples in this complaint. The irony is Elan Financial waited till the bill was passed 30 days to contact me via phone. Once I received the phone call I immediately paid, which I would have done if they would have contacted me sooner. I attached an image of the emails I received from XXXX originally and the generic emails I received from Elan which subject line do not refer to XXXX. As you will well notice Cardmember Service is practically any spam email and postal mail one receives on an average week. I phone call would have solved this issue especially since I was a new member. If this would have happened because I just plain forgot to setup autopay or just did not care about making a payment I would understand.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33177
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: On XX/XX/XXXX, and XXXX charges from XXXX XXXX XXXX XXXX were on my account. I did not see them til around the middle of XXXX due to the fact I do not use my credit card that often so didn't open my bill upon its arrival. My daughter who pays my bills immediately called the company and got them to close the account and issue new ones unfortunately they only issued one to her mine never came. That was the XXXX statement when we saw them closing date of XX/XX/2020. We called the company and talked to a XXXX on a conference call in the fraud department and he said there are other charges from a car rental I am assuming you have not been anywhere else would like me to get rid of those also and we said yes. So on the bill closing date of XX/XX/2020 the charges had been removed we had a new account and assumed everything was taken care of. Imagine our surprise when opening the new account bill dated closing date XX/XX/2020 there was a charge from XXXX rent a car in XXXX Fl for XXXX on XX/XX/XXXX posted to the account on XX/XX/XXXX. This time my daughter called the company and we did a conference call so they knew she could talk on my behalf and talked to a XXXX who assured me after explaining what was going on they were all removed and she kept saying its marked as fraud why is it there. What was confusing to us and no one can give us an answer on is how those charges were able to be put on our new account. So again we assumed it would be taken care of silly us upon opening the statement dated XX/XX/2020 it was still there so we called again on XX/XX/XXXX because we were able to be together in my daughter 's car spoke to a XXXX in the fraud department who after hearing of our situation and veifying my information immediately put us on hold for 10 mins and then someone called XXXX got on the line and put me thru the 3rd degree asking me questions that no one had ever done to me before since I am XXXX I got a little confused and my daughter tried to help and the woman said he must answer where my daughter said well he won't know that answer because i don't even know that answer. Once she listened to us she said yes there is fraud i can see that my daughter said do you see the one from XX/XX/XXXX she said yes I will get it taken care of and we will change your account number and send you new cards. Unfortunately the XXXX statement came and the XXXX rent a car charges from Oklahoma have been removed they were XXXX but not the XX/XX/XXXX. So my daughter has now been checking it online and they have not yet removed the one from XXXX nor have they sent us new cards. We wrote a letter and sent it to them and have yet to hear from them and I will now be marking my statement disputed and only pay those charges that I owe. My daughter has locked the account so no one can use it also. In addition I will be reporting this mess to the Wisconsin Fraud dept if I can figure out where that is and may try the XXXX police department because it is definitely theft.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 531XX
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Problem getting a card or closing an account
Subissue: Don't want a card provided by your employer or the government
Consumer Complaint: I received a Relia USBank Card that was generated by Unemployment Insurance of XXXX which I did not request. I contacted them and they told me to file a Fraud complaint I did. XXXX The XXXX Attorney General told me to call the fraud unit with Unemployment Insurance which I did left a message today. I have also called Relia Card and been put on hold waiting to talk to someone now. XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80247
Submitted Via: Web
Date Sent: 2020-08-14
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Took or threatened to take negative or legal action
Subissue: Threatened or suggested your credit would be damaged
Consumer Complaint: I contacted the payday loan company in 2017 and agreed to pay off the debt. We agreed that I could settle the account for {$300.00}. The accounts shows that I paid full payment but it still shows derogatory on my credit reports. This is really hurting my chances to establish credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75071
Submitted Via: Web
Date Sent: 2020-08-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
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 US Bank Cash Rewards card and my XXXX credit card were compromised. The fraud investigation departments have completed the investigation and concluded that I authorized the transactions I reported as fraud. This is completely unacceptable and incorrect. Both accounts were closed at my request. Now both companies are reporting to all 3 credit bureaus that my accounts are charged off as ( bad debt ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91104
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-08-06
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I have 4 hard inquries on my XXXX Report from the company Us Bank Deal on XX/XX/2020.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75241
Submitted Via: Web
Date Sent: 2020-08-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A