Date Received: 2020-02-24
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: Filed dispute for refund not provided as a result of merchant not providing the service paid for. Received a request for information in mid-XXXX and supplied the information. Received letter dated XX/XX/2020, my case was closed due to not receiving information. Called, they said info received. Case manager called me and left message. Two attempts to call back were not returned by case manager. Spoke to general customer service who requested additional details which were provided. About one week later received letter saying case is closed due to insufficient information. However, as described all requested information has been provided.
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: 2020-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: As a young consumer, I opened my first credit card with, what would become Elan Financial Services, in XXXX. I did this to build my credit score and become a financially responsible adult. I utilized the card for many years without any issues. On XX/XX/XXXX, I learned my credit card with Elan Financial Services was closed after a decade with the company. When I called in, I spoke to three different people, the last was a manager named XXXX ( refused to provide last name ) employee id XXXX. I was informed that my relationship was ended due to inactivity, however I never received notification of any form that my card would be closed if not used, nor that it actually had been closed. Upon reviewing my credit report I learned that it was closed and had a drastic negative impact on my credit score. Throughout my decade long relationship with Elan, I never had any payment issues or derogatory marks. I have never had any issues or negative marks from any other financial institution I have a relationship with either. When I asked why I wasnt informe d, XXXX simply told theyre not obligated to inform me, but they do inform clients sometimes, no reason was provided as to why I wasnt one of those lucky clients. I asked XXXX how Elan operates in the best interest of their clients, as a financial institution should, she told me they make the best business decisions and they dont tell their clients how they act in the best interest of their clients. Even if Elan did not want to maintain the relationship because they were not making money off it, I shouldve be informed so I could act accordingly. Elan severely deteriorated my credit score with this one move by closing my oldest line of credit, simply because I was not one of the lucky clients that they sometimes inform of impending closure. All clients should be treated equally and fairly by the financial institution that they entrust their financial health and wellbeing to. Elan may have discriminated against me as a female minority, or simply because I was a young consumer when I started the relationship. Whatever the reason I was not one of the lucky clients that get informed, Elan willfully acted against me as their client and my financial health.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 175XX
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Can't contact lender or servicer
Subissue:
Consumer Complaint: I applied for a personal loan on US Bank website. It was unsuccessful because it said there's no branch near me. However, ever since my unsuccessful application, US Bank has sent me soliciting email, one per day, every day. Please ask them to stop sending me this email.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29715
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-24
Issue: Applying for a mortgage or refinancing an existing mortgage
Subissue:
Consumer Complaint: My US Bank mortgages was being refinanced with another provider. It was reported as late once. That is incorrect. I have NEVER been late. I contacted them and I was told it doesn't show any late payment. It was closed because it was refinanced with another lender. I've gone back and forth with this. I'm frustrated.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 55411
Submitted Via: Web
Date Sent: 2020-02-24
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Trouble during payment process
Subissue:
Consumer Complaint: XX/XX/2019, a check was cashed by the mortgage company I was then charged a late fee stating the check was not received, was informed they put it a holding account. The next month I sent two checks one for the payment and an additional one with instructions to apply to the holding account to have those funds taken out of hostage. On the back of both checks and on statement the were informed on what was to be done. They cashed the checks but did not follow instructions and continue to hold my money hostage. I refuse to send additional funds to remove my hostage account because they do not follow instructions. My payment has been made several times and they won't apply it to the account and continue to charge a late fee, when it was NEVER late. Also, not being told I've been called, I DO NOT have to answer calls I do NOT recognize the number Of!!!!!!!!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NE
Zip: 685XX
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-23
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had an open credit card account at US Bank. It was charged off for non-payment. However, I made a repayment agreement with US Bank to pay off the debt in 12 monthly installments. I was told that this information would be reported to the Credit Bureaus ( XXXX, XXXX, and XXXX ) regularly and accurately. I was also told that I could not be given written confirmation of this agreement. I have made the payments agreed upon. ( The agreements I made over the phone can be found here as I recorded my conversations while located in the state of New York : https : XXXX? XXXX ) However, US Bank is still reporting that I have not paid any of these accounts as agreed. I made an attempt to dispute this information with both the Credit Bureaus and US Bank on XX/XX/2020. I was told by US Bank that they have reported this information accurately and that I am not entitled to have my credit reports updated with the payment agreement information or showing that the payments have been received in full and on time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10013
Submitted Via: Web
Date Sent: 2020-02-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-22
Issue: Closing an account
Subissue: Fees charged for closing account
Consumer Complaint: US bank closed my account over a {$36.00} overdraft fee that US bank refuses to refund. When I received the check from US bank when I go to cash the check at XXXX to avoid US bank XXXX told me I had to cash it at US bank so I did. when I arrived at US bank to cash it I was charged {$7.00} for my money that US bank closed and when I asked for a receipt that the check was cashed US bank refused to give me a receipt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 43015
Submitted Via: Web
Date Sent: 2020-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Fraud on checking account ending in # XXXX. Two checks one {$24.00} the other {$360.00}. Those companies are unknown to me. USBank ordered me to close the checking # XXXX and debit card # XXXX. Was told to open a new checking and new debit card or leave USBank. Completed per their directive under duress new account # XXXX and debit card # XXXX. I am severely XXXX 8 XXXX with XXXX and XXXX in my body. XXXX XXXX XXXX. Legally XXXX. Instructed to change Social Security deposit, small pension deposit, any automatic payments from creditors. I spent endless hours on the phone with fraud hotline with their staff unable to find my claim. I got a ride to the branch and filed affidavits of fraud on checking # XXXX and debit card # XXXX. The branch manager XXXX removed my son from joint checking because he was not their to sign a card, yet he was on the checking for many years with me to help pay emergency bills during hospital stays. Now he can not do that put down as only a beneficiary and crudely told you have to die. My son is XXXX in XXXX risking his life and not there to sign a card. BUT THE 800 ONLINE TOLD ME THEY COULD OPEN A JOINT CHECKING AND PUT HIM ON THERE AND MAIL NEW CHECKS WITHOUT SIGNATURE CARD. Then recently more fraud shortly after receiving a new checking account ending in # XXXX and debit # XXXX. Somehow someone got a hold of my debit # XXXX and charged {$100.00} and {$50.00} two different charges through XXXX, N, Y. I had to pay for a ride to transport me to the USBank. I was issued a new debit card # XXXX. This card does not allow me to pay my bills due to a small allocation of funds despite my transfer from savings exceeding the USBanks limit. The USBank told me they need to hold my funds because it was better for me to receive interest on savings rather than spend my funds on BILLS! I have been forced to make calls to the branch and fraud hotline daily spending 3 to 4 hours a day. MY HEALTH HAS BEEN AGGRAVATED AND EXACERBATED and my doctor is recommending i be hospitalized as my XXXX levels are between XXXX and XXXX for a XXXX XXXX with XXXX XXXX. USBank conned me into staying with them under the guise of hidden false benefit much like a haggling huckster. XXXX the Branch Manager with other employees except one shows much laziness and incompetence of which my son and I have paid the price.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92260
Submitted Via: Web
Date Sent: 2020-02-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Problem with a lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: I had just got home from work on Friday afternoon XX/XX/2020 when I checked my online checking bank account at U.S. Bank to find that there were three charges that I did not make, two on XX/XX/2020 and one charge made on XX/XX/2020, that had just processed out of my account. As soon as I saw these charges on my account I immediately called U.S. Bank fraud department, immediately cancelled and deactivated the current card in which these unknown transactions took place and instantly was reissued a new debit card and new PIN. I will also state that at no point in time was my debit card or account linked to these purchases lost or stolen at any point. I physically had my debit card with me on both XX/XX/2020 and XX/XX/2020 as well as every day prior. I will attach my Estatement from U.S. Bank with the three charges. One debit purchase charge made on XX/XX/2020 was for XXXX # XXXX XXXX XXXX XXXX XXXX CA for {$400.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$180.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$200.00}. Attached are the serial Numbers and as well as purchase numbers. I currently have two jobs and have documentation ( two time cards ) stating I was working both jobs from morning until night on XX/XX/2020 and as well as I was working the morning/afternoon on XX/XX/2020. I will also attach two letters from Cardmember Services from U.S. Bank stating an issue of provisional credit as well as the letter stating a denial of said provisional credit. In these letters there are times stated for each of the amounts taken out. The {$400.00} charge was charged at XXXX XXXX on XX/XX/2020. I have cameras at the current apartment I live at. I will be willing to get security footage of being home from work before XXXX XXXX and not leaving my apartment until the early morning ( around XXXX XXXX ) on XX/XX/2020. The times stated for the two ATM WITHDRAWALS on XX/XX/2020 are XXXX XXXX and XXXX XXXX. I have documentation that I am willing to obtain stating that I was working from roughly XXXX XXXX until XXXX XXXX on XX/XX/2020. I will also attach the documentation from U.S. Bank with the provisional credit that was credited back into my account the PIN CLAIM APPROVED amount of {$780.00} on XX/XX/2020 and what day and time that transaction went through as well as the documentation of the date and time they took out the provisional credit once my claim was denied. Along with U.S. Bank taking out {$780.00} as a Miscellaneous Adjustment Debit on XX/XX/2020 they had also charged my account two {$36.00} charges on XX/XX/2020 that I would like to dispute. I did not make these three transactions stated above. I have documentation stating this was not me. I have never given out my PIN number, account number, card number, or any personal information regarding to myself or any of my banking accounts. I would like to dispute and file a complaint on U.S. Bank as they are accusing me of fraud that I did not partake in. I have also filed a local police report for fraud taken place in the amount of {$780.00} as well as {$72.00} from U.S. Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92054
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2020-02-21
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: My social security number has been stolen and is circulating on the deep web. I have reached out to US Bank and many others about this situation to get the accounts removed from my credit report but nothing has been done. I am a victim of fraud and identity theft and now my credit has been tarnished what once was a XXXX credit score is now in the 400 's because some how my information got out and someone took advantage of it. I am looking to get these accounts removed so I am able to continue with my life and be able to get approved for a car, house, etc. This has almost ruined my life but I hope we can come to a resolution.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85209
Submitted Via: Web
Date Sent: 2020-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A