Date Received: 2020-05-16
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2020 I applied for the ppploan through usbank. I went through the entire process I provided all correct documents per usbank XXXX underwriter. A couple weeks passed and I got a notification my ppploan was approved and was given a plp number. From there I signed my documents and was advised my loan funds would be transferred to my account. At this time there was a issue with my business account, due to usbank online system. I then applied for another account online and a few days later I got 4 debit cards for all different accounts well I thought this is odd so I called XXXX cs and told them I was confused. Long story short because off this error on line multiple bank accounts were approved and opened under my name. I spoke with the branch manager regarding this and I explain it was my intention and I didnt understand how then as we were talking i told him that I kept having to refresh my screen bc my Internet was off and on well that supposedly was the reason so many accounts were opened not used just opened. So usbank decided that they wanted to close my account even though my account was at a positive balance. With my bank account suddenly being closed this cause my transfer from my ppploan to get rejected so a Sba rep reached out to me and I requested that funds be transferred to my external account. I was told it wasnt a problem and that my information was submitted and funds would be in my external account by next day. I was so happy because I finally my employees can be paid. Next morning comes and no funds in my external so I emailed the rep letting her know few days passed and she emailed me again saying my external bank rejected my transfer I didnt understand why because I just opened it. so in the middle of all this during the weekend a us rep called me and said I was approved for a business platinum checking so I thought wow they decided to open a account the rep provided me with my account number as well. So being that I needed to transfer my funds I advise the rep I was working with if she could please transfer it to my us bank checking she again said it has been sent over and funds will be in my account at latest by morning. Well it didnt get transferred so by this point Im upset because I was expecting to be able to pay my employees. The last message I got from the rep was she was looking into it. A few hours later I check my account and it shows my ppploan was paid off. I started crying because what was I suppose to tell my employees. I was being mis led in a few ways and my loan shows paid off but I never received it. I retired contact the rep and no answer. Then finally I talk to the branch manager He said that my ppploan was paid off and usbank isnt going to transfer my loan funds. So basically I got approved usbank wouldnt send me the funds and then paid it back to my ppploan and I am just stuck. I explained to the branch manager and he understood but it was usbank choice if I didnt need the ppploan I wouldnt have applied my ppploan was looked at and put together by a us bank staff then XXXX approved it. Usbank left me in debt with my employees they didnt have no reason why they were doing this. Still make matters worse I was told to reapply but I can because only one ppploan per tax id and since us bank shows paid off I am not eligible to apply again. I dont think this is fair
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94534
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Found credit card on XXXX that I never applied for. Reported it to XXXX. I still do not know what this elan card is. What is it and why is it on my report XXXX did not address this inquiry Who put this card in name?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29649
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-16
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/2019 I opened an e-mail link that took me to a website for a financial service. ELAN financial service. When I spoke to the rep she was extremely misleading and told me the wrong information. I was under the impression that I was hring a credit repair company to help me with my score and to help me repair my credit during a very hard time. I was going through a divorce. I told the rep that I had no problem making the payments and that I had just fallen behind because my wife and I could not settle our financial differences and that all I needed was help reaching out to my credit card companies to help me remove the late payments. I was under the impression that this rep would have my pay what ever fees I needed to in order to have these late payments removed. I later found out that this was not at all the service that they were providing when all of my accounts were closed down by my banks. I never received a single letter from these people and when I tried to resolve it with the manager I was not able to get anyone to understand that they completely mislead me and severely affected my credit score.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 105XX
Submitted Via: Web
Date Sent: 2020-05-16
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I spoke with the USBank : CONSUMER RECOVERY DEPT. regarding the error in reporting of my payment history. I specifically called regarding the reported 60 day late payment status showing on my XXXX credit bureau report, and most recently all 3 bureaus. The bank representative, XXXX, confirmed the error in reporting on the call at XXXX XXXX PST, as a result of the return of the check payment presented. She further stated if I provided a copy of my bank balance on the date of the presentation of the payment of the minimum payment due, that it would be corrected in the reporting. Lastly, she requested a copy of the NSF check to show that the presentation and return had in fact occurred. I still have not received such proof. I followed up with the Bank Recovery Dept., faxing the requested letter and proof documenting that the error was a result of the {$1200.00} payment return NSF on XX/XX/XXXX, and noted on XX/XX/XXXX ; to XXXX. Detailing : USBank XXXX XXXX XXXX XXXX Acct. # XXXX XXXX XXXX XXXX The information has not been corrected on my behalf by USBank. This is my second experience of incorrect reporting, as shown in complaint XXXX about US BANK NATIONAL ASSOCIATION. I have tried to correct this matter directly without a third party, and it appears to not be possible.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: XX/XX/XXXX I called Elan Financial Services and I spoke with XXXX-CSR about paying off my {$300.00} secured credit card. I was advised by XXXX that she could not discuss my account as it is no longer open and due to a system update she is unable to accept any payments or see any account information including balances. She stated to call back in 2 weeks to see if the account has been updated. I advised XXXX that I had spoken with someone in XX/XX/XXXX at Elan Financial Services who advised that no account information can be given at that time and to call back. Per that representative multiple customers accounts have been in the system update status since XX/XX/XXXX. There is nothing that can be done on their end to assist me. XX/XX/XXXX I called Elan Financial Services and I spoke XXXX again about my account balance. She advised that my account is still in the system update and she is still unable to provide any account information. Elan Financial Services advised their customer service representatives to tell all customers with outstanding balances that accounts are involved in system update and to call back at a later date Explained to XXXX I have been trying to pay this balance for months with no success. All 3 credit bureaus are being updated and showing that I am 90 days delinquent and I am unable to resolve my account with Elan Financial Services or have my credit reports updated. XXXX understood but stated she is unable to assist me and to call back in two weeks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 231XX
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: This all started last year when I opened an account with XXXX XXXX XXXX to pay for an extended warranty for 0 % APR ... Upon using the card 1 time for this payment, I put the card away and setup auto payment. I checked it every couple months but never more. Apparently in XXXX Elan Financial began sending us notifications that ELAN would be taking control of my XXXX account. The notification DID NOT come from XXXX it came from a financial institution I HAVE NEVER done business with. I threw the mail away accordingly. When the transfer was complete in XX/XX/XXXX/early XX/XX/XXXX, ELAN didnt bring over my autopay, never made any attempts to contact me other than mail that I threw away, and XXXX never said ANYTHING. The transfer CANCELLED my auto pay and I was never notified. 51 days later I received my first phone call from Elan notifying me that I was 51 days late on a XXXX, which I HAVE NEVER OPENED A XXXX, I only use XXXX ... this is when I learned about the transfer and how they SWITCHED MY CARD without my permission. They canceled my auto pay and they ruined my credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95829
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XXXX a fraudulent charge was made on my US bank debit card. I noticed the charge and called card services. The money was temporarily deposited back. XXXX I received a letter from card member services that the charge would be allowed and would be taken out of my account on the XXXX. I called on XXXX and was told to wait for a return call. Received a return call on XXXX, was told they allowed it because they had my contact info, I tried to explain my information had been stolen through a fraudulent website, the call cut off. I tried calling back several times finally left a voicemail. XXXX I called again was told it was still pending and wait for a return call, did not receive a return call and the money was taken out of my account on XXXX. XXXX I called again to try to speak with someone else, was transferred to 3 different people. Result of that call was for me to wait for a return call from someone else. Im just getting the run around and no help at all.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64012
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: The complaint concerns US Bank Credit Card. My mother passed away and I paid her final bill and realized she had unused points. On XX/XX/2020 I called the US Bank credit card customer service line and was told I could have the points transferred to my US Bank credit card but first I needed to close the account and then needed to call them back once I closed the account. I was transferred to that department and closed the account. I called back and spoke to a different person in the customer service department and she told me that BECAUSE I closed the account, I could no longer transfer points. I spoke to a supervisor who told me if I immediately faxed in the papers which showed I was the executor of the estate which I did on XX/XX/XXXX. I called back on approximately XX/XX/XXXX and was told it was never received and further the account was in " collections ''. This could not be as there was ( is ) a XXXX balance. I asked for a supervisor. This person said the fax was received and it would be 5-7 business days before the points ( XXXX points- with a cash value of {$340.00} ) would be transferred to my account. I called again on XX/XX/XXXX as I received a letter saying they needed the executor papers. I spoke to a customer service agent and then asked for a supervisor. He said he found all the papers and that the points would be transferred within 7-10 business days- there would be no further problem. I called today XX/XX/XXXX and no one seems to have or know anything. I spoke to a supervisor and he said basically there is nothing he can do. I am on hold now to speak to the supervisor 's supervisor but I hold no hope of anything being resolved as now they are saying they have no record of any of this except my call on XX/XX/XXXX to check on this. I was told to cut up my mother 's credit card, which I unfortunately did and now I do not have her credit card number. What can I do? I have spent many many hours on this, doubled my frustration because I have lost my mother and now I am being told there is nothing anyone can do.
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: 2020-05-20
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-14
Issue: Struggling to pay mortgage
Subissue:
Consumer Complaint: I was on XXXX XXXX XXXX so I called us bank my lender they said I qualified for forbearance which I wouldnt have to pay for 6 months the failed to tell me it would all be due at the end of the the 6 months then right after that coved happened and my hours were reduced so I lost income. Im worried about losing my home. Under cares act I was hoping to get some kind of help or modification to my loan so I could resume normal payments being a single mother of XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 622XX
Submitted Via: Web
Date Sent: 2020-05-14
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-15
Issue: Attempts to collect debt not owed
Subissue: Debt was already discharged in bankruptcy and is no longer owed
Consumer Complaint: XXXX XXXX XXXX XXXX sent me a vague letter trying to collect {$11000.00} for US Bank with Account number ending in XXXX. US Bank Debt with account number ending in XXXX was discharged nearly 2 years ago on XX/XX/2018. Bankruptcy discharge info is below. XXXX XXXX XXXX XXXX should have had ample notice that this is not a valid debt. Trying to collect it now is either careless and/or shady business practice that causes unnecessary stress on the victim and wastes everyone 's time. This should not be allowed and XXXX XXXX should be punished for making false/careless collection claims. My bankruptcy discharge is below. United States Bankruptcy Court XXXX XXXX of California Case number : XXXX Order of Discharge Chapter XXXX IT IS ORDERED : A discharge under 11 U.S.C. 727 is granted to : XXXX XXXX XXXX aka XXXX, XXXX Debtor 1 Discharge Date : XX/XX/18 Dated : XX/XX/18 By the court : XXXX XXXX XXXX United States Bankruptcy Judge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92653
Submitted Via: Web
Date Sent: 2020-05-15
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A