Date Received: 2020-06-15
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: My debt was settled through XXXX XXXX XXXX The total balance was {$8200.00} and was settled at {$4700.00} which was paid off XX/XX/XXXX. I called XXXX XXXX XXXX and mad the. Aware that on my credit report US bank states I still have a balance of {$4700.00}. I also contacted US bank on XX/XX/XXXX and received a letter that has at the top current balance {$4700.00}. In the body of the letter it states that the account was settled for less than the current amount and several phone calls I have been told I currently owe {$0.00}. If I owe {$0.00} then how do I have a current balance of {$4700.00}. I also disputed it through all 3 credit agencies. At this point XXXX finished the investigation and said US bank information is accurate. I had for other accounts through XXXX XXXX XXXX and have paid all of my accounts and US bank is the only account stating I have a balance. Having a balance implies I owe them money when they made a settlement for a lesser value and is paid off. Thank tou
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32713
Submitted Via: Web
Date Sent: 2020-06-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I want to open a complaint against Elan Financial Services which is located your state. About three months ago it appears XXXX Credit Card went from Visa to Master Card. As it happens, I had set up auto-pay on my account to handle payments. Lo and behold, Elan Financial took over payments processing unbeknownst to me and it appears my auto-pay process was nonexistent. Now, to add insult to injury they called me after the 30 days but not before and they reported the late payment to the credit bureau. I have a stellar payment history with XXXX credit card and these people are known for this type of behavior. I was told that I needed to dispute their reporting of past 30 day due with the credit bureau myself and that they would not guarantee that Elan Financial would side in my favor, despite the fact that in the migration the autopay did not migrate. I was also charged several late fees and which some were removed but not all of them. Also, when I asked why I was not called on the phone and XXXX said that they would not call. However, they waited past 30 to call, coincidence probably not. XXXX said they initial send email and post mail, now when I check my emails under XXXX correspondence, I did not have any emails. Then, XXXX said that it might be under a different email, so I need to know that as well. It is my opinion and based on their reviews that Elan Financial is the business of destroying customer credit and charging late fees.
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: 2020-06-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-13
Issue: Trouble during payment process
Subissue:
Consumer Complaint: I called the USBank 's home equity department regarding an insurance issue and they said their insurance department will NOT talk to the customer directly and they refused to transfer me to the insurance department claiming it was " Company Policy ''. This Company Policy is appalling. How can I rectify the issue if they won't speak to me?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2020-06-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: U.S Bank reported our credit card account 30 days late on XX/XX/XXXX and 60 days late XX/XX/XXXX. There was an ongoing error with their mobile application which would state a {$0.00} payment before the due date. Same problem happened with our Equity line of credit in XX/XX/XXXX, which we disputed and U.S Bank acknowledged the error produced by the mobile application and agreed to remove the 30 day late remark. Attached is a letter from U.S Bank confirming the mobile application error which also affected our credit card account XX/XX/XXXX and XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91910
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: In XX/XX/2020, submitted billing dispute regarding a charge still showing for services cancelled and refund not yet obtained from merchant ( XXXX XXXX ). Company required I submit additional information which was sent back in late XX/XX/2020. Shortly thereafter, I received notice that the dispute was closed despite my sending the requested info and calling multiple times. After much complaining, Company ( US Bank ) re-opened the dispute in early XX/XX/2020. In late XX/XX/2020, I received a letter with documentation from the merchant that indicated my dispute was not valid and the charge would remain. I followed up with the Company, via letter on XX/XX/2020, advising that the documentation submitted by merchant was invalid as it was for an incorrect ticket number ( in other words, the Company submitted dispute to merchant ( XXXX XXXX ) for the incorrect ticket number ). The details of this were laid out in my letter of XX/XX/2020, further advising that if the charge remained valid on my account, that a complaint would be filed with CFPB, which is this complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 22204
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: Still waiting to receive unemployment benefits when I choose to use the unemployment debit card the ReliaCard on the screen that pops up I had already been issued an unemployment card on a previous account and that's where my payments would be issued an. And also told me to call the number immediately and I did and the lady I spoke with said I didn't have a card issued to me ever so I need to either they figure out what the previous account was and closed it cuz I've never gotten unemployment benefits before this is my first time and reapply for a new one or something.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55025
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Went in to Bank Branch to make deposit of a check I received from my attorney for {$10000.00}. Asked teller what the hold period will be on this deposit and she ignored and went ahead and made the deposit. I requested to talk to the branch manager who told me that there would be a hold on this check but never mentioned the number of business days this hold will last. The check was deposited on XX/XX/2020 at XXXX. As of today XX/XX/2020 there is still a hold on my funds which are not available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91016
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
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 just want to destroy the card and cancel the money. I DIDN'T file for benefits. I'm NOT unemployed & someone tried to steal my identity.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: ME
Zip: 040XX
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-11
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I was shocked when I reviewed my credit report and found late payment on my payment history coming from your company. I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02301
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-10
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: My wife and I had an Auto Lease Loan with US Bank ( via XXXX of XXXX ). The lease expired on XX/XX/2020 and the vehicle was returned and the end of lease paperwork sent to US Bank. However, they kept sending us bills post lease end date and did not acknowledge lease had ended until XX/XX/2020. In the meantime, a payment late has showed up on our credit history and attempts to get rid of it has been unsuccessful. Please help.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 46032
Submitted Via: Web
Date Sent: 2020-06-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A