Date Received: 2023-11-16
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: The advertised interest rate was not honored. I opened an XXXX XXXX XXXX account because of promised interest rate of 4.5 APY ( 4.4 APR ). However, the bank credited less interest for the month of XXXX. It was because of an issue on their system. It took few days to rectify the issue. During this period, I was given a very low interest rate. When I tried to contact the bank multiple times regarding this issue, they didn't respond as promised. Please find in the attached document that the APY ( 4.24 % ) is less than the APR ( 4.4 % ). This is because of the issue I mentioned above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94568
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
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/, my credit card was charged. {$240.00}. Also on XX/XX/, I was charged {$130.00} for my account being over its limit because of the unauthorized charge of {$240.00}. The credit card company who failed to protect my privacy information and having included in a data breach is Elan Finacial Services ( phone # XXXX ). On their website myaccountaccess.com they vow to protect my privacy from data breaches and also to contact customers with 24hrs if a customer is involved in one. Instead, over two weeks later I noticed that my card was used unlawfully with no awareness to my credit card company. I informed them of the data breach. No one from the company has ever contacted me in regard to the data breach who to inform me of what exactly happened. On XX/XX/, I was contacted by the credit card company for late payment for the amount of money that was unauthorized. This has put me in a negative emotional state knowing that I was wronged. Also, I do not trust this credit card company Elan Finacial Services for not being able to protect my privacy. They have also been horrible in reaching out to me to even explained what happened. I no longer want to be associated with this company anymore. Their Privacy act laws and consumer laws that protects me against data breaches. Someone please help! my fraud claims # XXXX was created on XX/XX/2023 for Elan Finacial Services
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 705XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: US Bank opened an account with ReliaCard Debit without my direct consent. This is, I was told, on request by my state ( OH ) agency to reimburse an insurance payment. I called and received no answer how they could open a bank account for me without my consent and knowledge, especially when I do not have prior or existing busuness with them, neither am willing to have one.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44120
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: The loan application number for the loan is XXXX I applied for a car loan and was denied by ( US Bank ) on XX/XX/2023. To this day I have still not received an adverse action letter explaining the reasons for my being denied. I was forced to reach out to the company directly, over the phone, to get the specific reasons because they still have not come in the mail. After calling the company to figure out my reasons for denial, I was extremely concerned. My denials came from reasons such as Utilization, credit age, and a few other alarming things. The reasons why they have denied me credit are prohibited basis. Seeing that this is not a " Special Purpose Credit Program '', pursuant to 12 CFR 1002.6 b ( 1 ), I can not be denied credit based on a prohibited basis. I am also fully operating in good faith by requesting a simple extension of credit, which is my right pursuant to 15 UCS 1691 ( a ) ( 3 ). Seeing that my being denied credit is based on prohibited basis, this has now become discrimination. This discrimination has caused me a grave deal of stress and anguish, damaging my mental health, my morale, and the well-being of my family. I am fully aware of my rights in consumer credit transactions, and seeing that I am operating in good faith, and I do not fall under anything listed in 15 USC ( c ) there is no reason for me to be denied credit other than pure discrimination. I attempted to reach out to the underwriter on my case directly to discuss this however I was denied access because as they stated, " I am a member of the public ''. The loan application number for the loan is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94589
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-16
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: Unauthorized Credit inquires from multiple places that are unknown of
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 131XX
Submitted Via: Web
Date Sent: 2023-11-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I received a Visa Debit Gift Card on XX/XX/XXXX for {$470.00}. On XX/XX/XXXX I had a balance of {$310.00} on the card and the card stopped working. After calling customer service I discovered that someone else was attempting to steal the card because that person requested a replacement card, which apparently was issued and made my card stop working. I had to send in documents to the gift card company to verify I was the true owner of the card, and a new card was sent to me in XXXX. However, the balance on that card was only {$310.00}, the {$5.00} fee was not returned. I could not activate this new card, as the security code on the back did not work when I entered it on the website or by phone activation. On XXXX I called Customer Service again and they issued me another new card and charged another fee of {$5.00}. On XXXX I called about the fees and they only refunded XXXX of the {$5.00} fees. My new card has been working, but my balance is still off by {$5.00}. On XX/XX/XXXX I called customer service and asked about the {$5.00} fee. I was told I would get a result in 10 days. The fee was not reversed. I called customer service again on XX/XX/XXXX and I was told all fees have been reversed and the person hung up on me. I called again, and talked to another person in customer service who would not give me their name for security purposes. They told me the fee could not be reversed because a new card had been issued and fees can not be reversed once new card is issued. I asked to talk to a manager and then they hung up on me. My current balance is {$5.00}. I did not want to zero the balance in case the card would be closed if that happened. My balance should be {$11.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97471
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: i never applied for a loan or anything with this company
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10029
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX recieved a stack of documents disclosing thier " Get Tough Policly '' of how they meticulate thier policy of getting rid of me, slowly. Since the above date XXXX XXXX XXXX XXXXXXXX moved my direct deposit accounts to XXXX XXXX where I have a cash reserve and Secured credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 630XX
Submitted Via: Web
Date Sent: 2023-11-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: My complaint is against Elan Financial Services, who provides customer service for my credit card XXXX XXXX XXXX XXXX XXXX. {$4200.00} is lost in the XXXX system and hasn't been located/tracked down. My initial contact was a phone call on XX/XX/XXXX. I spoke to a representative in customer service to request a credit balance refund of {$4200.00}. The representative submitted my request and advised me that standard processing time was 15 days. I was to expect a paper check in the mail. I received a letter from XXXX XXXX dated XX/XX/XXXX. It states " Thank you for contacting XXXX XXXX with your credit balance inquiry. The requested credit balance refund of {$4200.00} has been issued electronically to the account from which the most recent payment ( XXXX ) were withdrawn. '' I also received the XX/XX/XXXX statement that shows I have a credit balance of {$4200.00}. There is a note in small print on page XXXX " Your account has a credit balance ... If you would like a check mailed to you in the amount of the credit balance, simply call us and speak to a representative. '' With these documents in hand, I made second contact as a phone call on XX/XX/XXXX. I spoke to a representative who explained that probably more time was needed for the XXXX transfer to settle and clear. I complained that I was told that I would get a check in the mail, not an XXXX transfer. XXXX, they told me to contact my banks and inquire where the refund was. Yet they couldn't tell me what bank institution they sent the money to. That is terrible customer service, not a resolution, by rejecting responsibility and blaming the banks. I made third contact as a phone call on XX/XX/XXXX. I spoke to a representative who again couldn't tell me what bank they sent the money to. Frustrated, I escalated the call and spoke to a XXXX XXXX. I told XXXX that I contacted each bank I use and they don't see and haven't received {$4200.00}. Each bank can't do anything without a tracking number. Elan Financial Services has me going in circles for no reason. XXXX submitted a request for a long tracer number for the {$4200.00}. XXXX said look for a letter in USPS mail from XXXX XXXX on envelope in XXXX days. The long tracer number can be used to track down the XXXX transaction. No letter came in the XXXX postal mail. No resolution was reached. I made more contact to the company as phone calls on XX/XX/XXXX and XX/XX/XXXX. I spoke to representatives who weren't helpful in this matter at all. I haven't received a letter from XXXX XXXX in the USPS postal mail. Each one reads the notes on the account and say an inquiry has been made for the long tracer number. I repeat that I have contacted each bank I use and they need a long tracer number to find {$4200.00}. On the phone call on XX/XX/XXXX, I spoke to XXXX XXXX who said the inquiry is noted to expire on XX/XX/XXXX for the long tracer number and they should have it then. I tell the Supervisor that I haven't received a letter from XXXX XXXX in the USPS postal mail. No resolution was reached. My last contact to the company was a phone call made today, XX/XX/XXXX. I spoke to a representative who again reads the notes on my account and tells me the worse news. The inquiry for long tracer number has been reopened because they can't find it. I explain that I am highly frustrated with their terrible service and escalating this matter with the government, Consumer Financial Protection Bureau. It is unacceptable that Elan Financial Services held the money, disbursed it into the XXXX system and now its lost in the system. They don't accept responsibility for an error made. XXXX system was created to be more reliable than mailing a paper check in the mail. Elan Financial Services needs to step up and know exactly where money is at times, track it down, and most importantly, how to deal with it if it gets lost.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-15
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: I ask that US Bank issue my escrow overpayment refund check be issued in my name only. I am divorced and my ex wife has no ties to my property per divorce decree. My mortgage loan payments have been paid only by me and my bank account. US Bank issued a check for my escrow refund with my ex wife 's name on it knowing I can not cash or deposit the check back into my account where the funds came from in the first place. I have a worthless {$990.00} from US Bank. It's my money and i want to be paid back for the overcharges they inflected on me for escrow. {$200.00} or {$300.00} extra is understandable but almost {$1000.00} extra is excessive. They want to pay me back with a worthless check. I want US Bank to cancel this check and issue me a new check with my name only on it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-11-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A