Date Received: 2020-06-08
Issue: Problem with a credit reporting company's investigation into an existing problem
Subissue: Difficulty submitting a dispute or getting information about a dispute over the phone
Consumer Complaint: My wife and I filed a chapter XXXX bankruptcy in 2019 in the XXXX District of California XXXX. XXXX XXXX XXXX was advised of this filing in writing and still refused to remove this information from our reports. By them doing so, has barred us from opening a checking account causing of to be unable to obtain our money and pay our bills.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 96001
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Fidelity Investments solicited me for a Fidelity Visa Card, which I have had for over a year and consistently paid on time. On XX/XX/2020, while on the Fidelity site, I directed payment of {$21000.00} to the credit card. The popup window gave me options for making the payment, and the default option was " Pay from this Account : Fidelity Investments -- Ending in XXXX. '' I elected the option to pay from that Fidelity account. On XX/XX/2020, I visited the Fidelity site and saw that my payment had been reversed and that a {$25.00} reversal charge had been imposed. I called the " XXXX '' number and spoke to a representative from Elan Financial Services, which manages Fidelity 's credit card operations. Elan responded that Fidelity had rejected the payment due to insufficient funds and that Elan had no responsibility in this case. I called Fidelity and was told that although the default menu gave me the option to pay from a certain account, there was insufficient uninvested cash in that account in order to cover the payment. I responded that the payment menu did not mention " cash available '' within the account, but only the specific Fidelity account with an account number. I noted, in contrast, that when a customer tries to use the Fidelity site to invest from a Fidelity account, there is a popup window that shows the cash available for investment, but there is no similar reference on the payment window for its credit card site. Fidelity denied responsibility, saying this was Elan 's policy, even though Fidelity 's name is all over the credit card site and you can not find Elan 's name unless you scroll to the bottom and read the tiny print. I suggested to Fidelity and Elan that the payment window should not refer to payment from a specific Fidelity account unless it clarified, as Fidelity does with online brokerage transactions, that a customer can only use the uninvested cash portion of a specific account, not the entire account as suggested by the popup payment menu. The payment window that encourages a customer to use a specific Fidelity account is misleading in that it does not clarify that the customer can only use the uninvested cash portion of the customer 's listed Fidelity account and also because it does not list the cash available as Fidelity does with brokerage transactions on its site. I asked both Fidelity and Elan to reverse the {$25.00} fee and they both refused, each claiming that the other was responsible. It would be interesting to know if the two institutions split these fees when they trap unwary customers like me. It is unfair for Elan to just respond that Fidelity is an unrelated party ( when the entire site refers to Fidelity with only a tiny reference to Elan ) and then disclaim Fidelity 's standard practice of telling customers how much cash is available for actions with their accounts. If Elan is inextricably intertwined with Fidelity, it should not be able to disavow Fidelity 's standard practice and collect a penalty fee that bears no relation to any damages to Elan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 189XX
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
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: XXXX was my initial complaint to cfpb disputing the charge on my credit card mentioned in my initial complaint. I disputed the charge and requested that they send me a copy of the credit card charge slip with my signature on it. Nowhere in the response from the credit card company, or in the response from cfpb that the case is now closed ; is there a copy of the charge slip. I had already paid the credit card company in full, including the disputed charge. So far they have not given any proof ( in the form of a copy of the credit card charge slip with my signature on it ) so far, their response has been a bunch of hogwash that I would prefer to call " XXXX '', without giving me the proof I requested, to validate the disputed charge. So I again repeat that the disputed charge is invalid, and a fraud by the credit card company. I am not claiming any fraud by the merchant, as the merchant did not show me anything on their computer records to show that there had been such a purchase by me, or a claim by them to my credit card. I place the blame and fraud solely on the credit card company. Besides recording this fraud against the credit card company, I do want cfpb to rule that the credit card company refund to me the disputed charge of XXXX XXXX and all the interest at the rate of about 25 % that they would have charged me on this disputed fraudulent charge that they have given no proof of in the form of the copy of the charge slip with my signature on the charge slip.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91750
Submitted Via: Web
Date Sent: 2020-06-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-08
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: I purchase a two {$500.00} US Bank Visa Cards on XX/XX/XXXX at XXXX in XXXX, TX. They did not activate. I have tried to call the number on back of the cards XXXX and customer service is unresponsive and it does not allow me to see the balance at XXXX.. Could you please have this activated ASAP. The phone number for customer service is XXXX. Both cards should have {$500.00} balance per the receipt.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75287
Submitted Via: Web
Date Sent: 2020-06-08
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: I have an Enterprise Bank Bonus Rewards Visa Card through Elan Financial Svcs where I make a {$39.00} minimum payment. I recently have gone through financial hardship and have been late on making a few payments when moving back home to get a job. It didn't help that they raise my APR to 25 % and the dates are inaccurately imposed on my credit reports. It states that it was opened XX/XX/2014 ( 5 yrs, 11 mos ago ) This has completely ruined my chances of getting financed for a home for me and my wife to start a family.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NH
Zip: 03038
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: I need to know if I got my card sent to me and if I have any money on my account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 16601
Submitted Via: Web
Date Sent: 2020-06-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-07
Issue: Problem getting a card or closing an account
Subissue: Trouble closing card
Consumer Complaint: Date : XX/XX/2020 Issue : Called through an automated call line to the operator. The operator who received my call put me on a 30-minute hold to " look up the laws in Colorado, '' by which he clearly intended to make sure I was forced to hang up, as he did not return to the line. I was not helped in closing the account, which I am continuing to try and do. I have set up direct deposits and would like to close the card so as to not incur the {$1.00} fine each year.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 80525
Submitted Via: Web
Date Sent: 2020-06-07
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: never recieved reliacard for unemployment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: LA
Zip: 70363
Submitted Via: Web
Date Sent: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-05
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 was shocked when I reviewed my credit report and found late payment on the dates below : ELAN FIN SVC : XXXX 2019
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02302
Submitted Via: Web
Date Sent: 2020-06-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-06-06
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Fidelity payment servers constantly crash, cause " service unavailable '' errors and why not? Fidelity make A LIVING OFF THE LATE FEES that they themselves cause. I was charged {$40.00} for a payment due on XX/XX/XXXX, as I was forced by Fidelity to make a payment on XX/XX/XXXX instead of the XX/XX/XXXX due date. The same thing happened on XX/XX/XXXX, Fidelity charged me {$40.00} for a payment due XX/XX/XXXX that was pushed out by Fidelity to XX/XX/XXXX. Fidelity must refund the {$80.00} ( {$40.00} + {$40.00} ) for illegally pushing payments past the due date.
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: 2020-06-06
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A