Date Received: 2020-05-04
Issue: Trouble using the card
Subissue: Trouble getting information about the card
Consumer Complaint: I have been trying to activate my XXXX. I have been trying to get a customer rep. to see what is going on. Every time I try and call, I get put on hold for hours and then I get cut off! This has been going on for weeks!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 804XX
Submitted Via: Web
Date Sent: 2020-05-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: To Whom it May Concern : I am writing this letter to notify you of a continuing violation of the Fair Credit Reporting Act ( Section 609 ( a ) ( 1 ) ( A ) ) committed by US Bank. After several acts of disputes and letter submissions made on my end, each attempt proved futile. At times, some of the requests made were not even acknowledged with a response. As I attach some of the articles in this compliant evidencing correspondence that took place, it is unequivocally clear that I never made a refusal to pay, but gave notice that the claims alleged were disputed. Due to their negligence, noncompliance, and refusal to delete UNVERIFIED information from my consumer file, it has cost me tremendously in regards to employment opportunities, residency approvals, loan/credit line approvals, and administrative fees for the dispute process.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44143
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: XXXX account was linked to my US Bank account and was overdrawn .. also my credit card was used while for an unauthorized transaction. Identity was stolen. Photo ID, birth certificate, and social security card from my break in at my house. And documents where stolen from my vehicle that was towed after being arrested. Also XXXX account was linked to bank account where unauthorized transactions where made. Numerous XXXX phones .where stolen and account was hacked with invalid software. XXXX phone XXXX account had been hacked and stolen. XXXX account been hacked
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40216
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: on XX/XX/2020 my company gave me a paper that says for employees of XXXX : COVID-19 SEPERATION and I was temporially unemployed I filed for unemployment and received notice in the mail I was approved for one year but I never received a card to get my benefits it shows on line that they paid loaded it on confirmmy card but I didn't receive one my confirmation number is XXXX claimant id XXXX the two weeks I am owed for is XX/XX/2020 confirmation code XXXX the second week is XX/XX/2020 and confirmation code is XXXX send me my us bank card or please direct deposit my money to my bank the information is on my application for unemployment
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 433XX
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: DO NOT CLOSE THIS-IT IS NOT A DUPLICATE. I GOT A LETTER FROM US BANK RE : FRAUD THAT WAS COMPLETED.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 601XX
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-03
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: 3 months ago, I opened a checking account with U.S. Bank. The term was for me to get {$350.00} bonus after direct-deposting for 3 months. After 6 months, U.S. Bank did not provide me the credit as promised, so I closed the account. First, U.S bank charged me {$36.00} for closing the account. Then they closed it and sent me a check with my remaining balance. Now, after a month of closing, they suddenly stated there were pending transactions at the time I closed the account, and now they are posted. And because I had no balance on my account, they charge me {$36.00} fee for each transaction causing me to be overdraft for {$200.00} in fees and {$43.00} in transactions. This is clearly a crime. How could a bank is allowed to operate based on fraud like this? How could they not see pending transactions at the time of closing until a month later? Are they doing fraud on customer. This needs to be looked at.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91770
Submitted Via: Web
Date Sent: 2020-05-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: When reviewing my credit report in XX/XX/XXXX I noticed a new credit card with a balance of {$14000.00} with Elan Financial Services and contacted Card Member Services and filed a fraud claim. This was denied by card member services as a representative for Elan Financial Services I have attached a copy of the original dispute and their letter denying my fraud claim. They did allow me to close the account so no other charges could be made. I wrote them a letter explaining what the card was used for and then had to wait and see what would happen. Mr XXXX was making payments on time until XXXX of XXXX and at that time I received a late notice from the company. I then contacted XXXX XXXX XXXX, XXXX XXXX asking for their help with getting this late notice off my credit report and asked that they obtain proof from the company that I was responsible for this bill. I understood that by law when a dispute was filed that the company has to respond ... XXXX XXXX corrected some items on my credit report but I never received an answer from them or the company asking for some proof I am not sure how a company can send me a card I did not ask for to an address where I no longer lived, allow a prior authorized user to activate this card with a {$15000.00} limit and allow him to change the address and phone number/ I had never received a card, statement, phone call, email from this company before they activated this card making sure I could not stop this the first month. So basically they gave {$15000.00} to someone who makes {$800.00} a month with SS and was 72 years old and said go have fun but when the first late notice came they sent it to me, Ive been told by many sources that I will end up being responsible for any balance left and this card is now once again 90 days late and I have received another late notice Where did the credit card company get so much power that they could do all of this without any notice to me. Where is their due diligence to the primary card holder and how hard would if have been to ask Mr XXXX for my information so they could tell me I had a new card and what my phone number and address was.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98632
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Problem when making payments
Subissue: You never received your bill or did not know a payment was due
Consumer Complaint: I had a credit card with US Bank. The credit card was opened XX/XX/XXXX and closed on XX/XX/XXXX. I no longer have the card. It says i owe {$290.00} on it and it was charged off. I keep having a derogatory 30 day late payment on my credit report every month up to the current date of XX/XX/XXXX even though the account was closed on XX/XX/XXXX. I've contacted the bank and their credit card services the see how I can resolve this but no one can find my account or how if I have a balance how to pay it so this will stop. Ive have not received any letters or bills stating an amount owed they just keep posting it to my credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 371XX
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX Elan Financial Services XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MS XXXX To Whom it May Concern at Elan Financial, This letter is to dispute your company reporting me to credit services for late payment as I was not at fault. I have also attached a letter from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, the bank through which I have the credit card, supporting my good standing as a customer since XXXX. I have had a credit score of above/around 800 for sometime now and am furious that an error on the part of Elan financial has resulted in my score being lowered significantly especially as I would like to purchase a new home soon. XXXX XXXX XXXX XXXX switched to using your company to service their credit cards sometime around XX/XX/XXXX. Since then I have had a plethora of challenges with the credit card which include not receiving my new credit card for months, the new credit card I received not working, payment not going through to Elan financial from XXXX bank, Elan financial having my incorrect address, etc. I have a new baby, mother with XXXX health and returned to work from XXXX leave at the end of XXXX so having to add calling Elan financial on account of errors of Elan financial to my list of things to do has caused me additional stress. I have been with XXXX since XXXX using them as my main bank account, for various car loans, refinancing a mortgage and my credit card. I have never had an issue with any services from XXXX until they partnered with Elan financial for their credit cards. When I called XXXX multiple times to express my concerns about Elan financial they confirmed they were receiving multiple complaints from customers since partnering with Elan financial. As your records indicate, I called Elan Financial on the following dates ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ) for various issues such as not receiving my card, your company not recording the correct mailing address for me, payment from MITFCU not sending to Elan Financial ( when Ive never had an issue with any payments from XXXX going to any other company ), etc. I called on XX/XX/XXXX to speak to someone at Elan Financial about the late payment fee. She told me it would be removed, there would be no reporting to credit agencies and that there was an agreement between XXXX and Elan Financial that there would be no late fees charged and not reporting to credit bureaus during the 90 day conversion. This agreement on no late fees or credit bureau reporting is also referenced in the attached letter from XXXX. When I noticed my credit score drop I immediately contacted Elan financial on XX/XX/XXXX at XXXX. I spoke with a person named XXXX who said I could only mail ( not fax or email XXXX my dispute request to the address listed at the top of this letter. I expect this to be resolved immediately by Elan financial contacting the credit bureaus to remove this error that has resulted in significantly lowering my scores so I do not need to take further action. My contact information is below should you need to reach me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02368
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-05-02
Issue: Problem getting a card or closing an account
Subissue: Trouble getting, activating, or registering a card
Consumer Complaint: i filed for unemployment on XXXX and i never received a card or my unemployment benefits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15317
Submitted Via: Web
Date Sent: 2020-05-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A