Date Received: 2023-11-01
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XX/XX/2023 I spoke with someone named XXXX who was supposed to fix this.XXXX I just spoke with someone by the name of XXXX who was very rude so I had to ask for her supervisor manager name XXXXXXXX who I then reported this wrong error on my credit report. He said it was nothing he could do XXXX. Inform me that they navigate this credit report of XXXX. This is hurting my credit score by doing this. I understand if they don't want to give me a credit increase. But they have no reason or no right to report my credit score at XXXX if my credit score is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 070XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Trouble during payment process
Subissue: Private mortgage insurance (PMI)
Consumer Complaint: In early XX/XX/2023, we request PMI cancellation from US Bank and during the initial stages, it was explained a property valuation would be conducted via a Brokers Price Option ( BPO ) and the process would commence once a written request, along with the property valuation fee, was collected. The US Bank representative stated the process could take up to 120 days ; however, if approved, PMI payments would be retroactively refunded to the process initiation date ( mid XX/XX/2023 ). The valuation report was completed and dated XX/XX/2023. Initially, our PMI cancellation was rejected due to inadequate property valuation. I requested reconsideration and received the valuation report and instructions on how to request reconsideration. I determined the comparable properties ( Comps ) submitted by the BPO were inadequate and did not accurately reflect the square footage, as well as other significant features of our home. Additionally, the valuation included real estate listings and Comps, although the instructions provided by US Bank stated only Comps should be included. The submitted reconsideration was granted utilizing appropriate Comps, via a letter from US Bank dated XX/XX/2023. We subsequently received a refund check for {$1100.00} and six days later another check for {$450.00}. I inquired from US Bank regarding the amounts because in totality, both didn't equal the refundable amount due. The letter from US Bank dated XX/XX/2023, stated PMI was cancelled effective XX/XX/2023 and the {$1100.00} check reflected the PMI provider surplus amount and the {$450.00} was for a mortgage insurance disbursement from the escrow account. As confirmed in the aforementioned letter from US Bank, our PMI was cancelled on XX/XX/2023, although, we continued to have PMI disbursements collected from our 2023 XXXX, XXXX and XXXX mortgage payments, totaling {$1300.00}. I contend these payments are immediately due from US Bank.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20020
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: Hello, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX ELAN FINANCIAL SERVICES CREDIT CARD # XXXX OPENED ACCOUNT ON XX/XX/2006, ACCOUNT CLOSED THIS CARD SHOULD HAVE BEEN OFF MY REPORT, ALSO I DON'T HAVE THIS CARD ANYMORE. I CALLED ELAN FINANCIAL AND THEY SAID IT'S IN COLLECTIONS, THEN THEY SAID IT'S CLOSED, THEN THEY SAID THEY DON'T SEE ANYTHING. THIS COMPANY IS STOPPING ME FROM GETTING CREDIT CARDS FROM DIFFERENT COMPANIES. I HAVE BEEN CALLING ELAN FINANCIAL FOR XXXX WEEKS, TRYING TO CLEAR THIS MATTER UP. PLEASE HELP ME OUT. I KEEP GETTING TRANSFERRED TO DIFFERENT NUMBERS, BACK-TO-BACK.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 482XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problems receiving the advance
Subissue:
Consumer Complaint: I applied for a loan and was denied I contacted their underwriting department to fix a false and misleading denial of my unlimited credit based on title 15 subsection 1611 they have refused to fix this issue and is in violation of this title under federal law I have tried everything when I call they transfer me to the wrong department every time just trying to avoid me the company is U.S BANK
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: BE ADVISED, this is not a refusal to pay, but a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for verification or proof of my mailing address, Nor is it a request for statement copies or your published copy of your card member service agreement, but a request for VALIDATION made pursuant to Fair Debt Collection Practices Act, 15 USC 1692g. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against and your client for the following : violation of the Fair Credit Reporting Act, violation of the Fair Debt Collection Practices Act, and Defamation of Character ( per se ). If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity shall CEASE and Desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-31
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: ELAN FINANCIAL SVCS Last reported XX/XX/2023 {$4400.00} Open balance {$16000.00} Balance is XXXX and company will not correct reporting
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-10-31
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-01
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I am the agent on behalf of XXXX XXXXXXXX XXXX. I have the capacity to contract but I am facing significant issues with Elan Financial Services who is owned by U.S.Bank.Elan Financial Services has been negligently violating a number of my rights under the United States Constitution.I 've expressed to them that all bills are the obligation of the United States which is shown in the United States Constitution Article 1 section ( 10 ), Article IV. I've also expressed that the Federal Reserve Act Section 16 also states that bills are the obligation of the United States. As well as 18 usc 8 stating that bills are in fact the obligation of the United States.Additionally 15 U.S.C. 1601 lets me know the informed use of credit which protects consumers from unfaircredit billing and credit card practices.I 've also expressed that the Bill of Exchange Act 1882 states that all bills are billsof exchange and gives a step by step guide on how to endorse bills. Elan Financial Services received my first notice on XX/XX/2023 which was my claim of credits notice. I also gave specific instructions for the CFO to apply the principals balance to the principals account for each and every billing cycle for set off.Elan Financial Services received in the notice my letter of instructions, endorsed bill, durable power of attorney, and a copy of the Federal Reserve Act Section 16 showing their violations. After Elan Financial Services received my first notice I got a response letter dated XX/XX/2023 stating that my endorsed bill/ negotiable instrument had no meaning and that I am still liable to pay my account. As a result of non compliance I sent my second notice that was received on XX/XX/2023 which was the Opportunity to Cure. This notice contained all of the contents that were in the first notice along with Federal Reserve Act Section 29 which emphasized tier two. I waited five business days and did not receive any response or set-off to my account. Again, after non compliance I sent Elan Financial Services a third notice which was my Notice of Default packet which contained all the contents that were in the Opportunity to Cure notice along with Federal Reserve Act Section 29 with tier three emphasized. I waited another five business days once they received my final notice and I still did not get a response or set-off to my account. At this point Elan Financial Services is blatantly ignoring my clear direct instructions as the original creditor to this account and agent of the principal. I have done everything in my power to handle this matter civilly but Elan Financial Services refuses to accept my endorsed bill/ negotiable instrument to satisfy the principals account. As a result I am being extorted and I have not been able to fulfill my agent duties and obligations to XXXX XXXXXXXX XXXX I the agent am submitting this complaint in efforts to rectify this situation which is a direct attack on the U.S. Constitution and receive a full set off for XXXXXXXX XXXX account for each and every billing cycle.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 770XX
Submitted Via: Web
Date Sent: 2023-11-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Problem with a company's investigation into an existing problem
Subissue: Was not notified of investigation status or results
Consumer Complaint: I am writing to complain about a " late payment '' reported for my FidelityRewards credit card on my credit statement. I made substantial efforts to make the reported payment on time, but the payment mechanism implemented on the card services website was misleading and poorly implemented in a number of ways. In the end, the fourth payment attempt, which was successful, was four days past the 30-days-late mark after three attempts I made to make an ACH payment.
I believe that the delay was substantially the fault of Elan or their agents as follows :
1 ) Their website only requires that an account number be entered once, and it is not visible to be checked. Other sites have users enter an account number twice to make sure that the two entries match.
2 ) The site states that the account number will be verified, but that does not seem to happen until the payment is actually attempted. Other online payments I've made identify an incorrect account number immediately or within a day. Verification was not made for months on my initial auto-pay setup.
3 ) Notification of a failed payment was extremely slow. Failure of the initial autopay setup was only reported to me 2-3 weeks after the failure. From the time my next payment attempt was entered until I received notification that it had failed was 2-3 weeks. I immediately made yet another online payment, this time successfully, but it was four days beyond thirty days late.
4 ) The website clearly stated, " Thanks for your payment, '' when I made an immediate ACH payment online. I have attached a screen grab of that page ( the second page in the attached file ) made recently with a small test payment. I considered that to be confirmation that the payment had been made.
5 ) I was only able to speak with " collections '' personnel at the " customer service '' number, and they were unhelpful in resolving the issue.
Here is a timeline of events : XXXX XXXX : Fidelity forced us to close our checking account and open a new one, requiring autopayment to be set up again XXXX : I attempted to set up new checking account for XXXX XX/XX/XXXX XX/XX/XXXX auto=payment listed on statement {$220.00} XX/XX/XXXX =============payment due date XX/XX/XXXX XX/XX/XXXX payment reversal {$220.00} XX/XX/XXXX date on paper notification from Elan / Fidelity Investments XXXX receipt of paper notification XX/XX/XXXX payment thankyou {$220.00} XX/XX/XXXX XX/XX/XXXX payment reversal {$220.00} XX/XX/XXXX date on paper notification from Elan XX/XX/XXXX ============= payment due date XX/XX/XXXX receipt of paper notification XX/XX/XXXX payment thank you
Given my urgent, sincere, and repeated efforts to make payment and the difficulties of doing so with Elan 's website XXXX I believe that the delay in payment was substantially caused by Elan. My record of XXXX late payments to Elan for many years and XXXX late payments to any creditor for many years should indicate that I take these obligations very seriously and am very responsible. This one reported late payment has lowered my credit score, as well as my wife 's, and both of my sons ' by XXXX points each. I am motivated to strongly pursue this case if this attempt is not successful. It is unfairly damaging our finances.
I did request help with this from Fidelity Investments. They reported reaching out to Elan and said that Elan would be sending me a letter in late XXXX. It has been a month since then, and I have received no communication from Elan, so I feel forced to take the step of making this complaint. I also had several phone conversations with Elan, who stated that they would not speak to me about this credit reporting issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-29
Issue: Getting a credit card
Subissue: Delay in processing application
Consumer Complaint: On XX/XX/XXXX, I applied online for a for a US Bank Altitude Connect card ( application # XXXX ) and for a XXXX Bank XXXX XXXX XXXX card. Both applications were placed under review, so on XX/XX/XXXX, I called in to check if any additional information was needed. I was advised that my business credit card application looked good and was already with the underwriting department for processing. Regarding the consumer credit card application XXXX, I was advised that the Customer Authentication Department would need more information, so I asked to get transferred. The agent from the Customer Authentication Department claimed that the residential address provided in the application XXXX was a business address. I explained to her that I usually provide my business address as mailing address for convenience purposes so as not to receive mail at home, and then provided her with my residential address, XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, as it shows on my credit report since XXXX. It is worth highlighting that the business address that I use as mailing address, XXXX XXXX XXXX XXXX # XXXX, XXXX CA XXXX, is already on file with US Bank, and has already been verified by US Bank 's Customer Authentication Department, upon approval of my business checking account, on XX/XX/XXXX, application # XXXX. On that occasion, I was asked to fax in the EIN Confirmation Letter for my business to the Customer Authentication Department, which I did on XX/XX/XXXX. The EIN Confirmation LetteXXXX from the IRS shows my business address on file. So there should be nothing odd about the addresses provided : residential address which matches my credit report, and business and mailing address that match my EIN Confirmation Letter and the information on file with US Bank. Then she claimed that I had stated 3 different addresses on my application XXXX, when I only had provided one address, the one on file with US Bank for business and mailing purposes. At this point I wondered what was wrong with this agent, making inaccurate observations of the data. Why would she do that? In any case, this was not a good sign, she seemed to be biased against me, and I began to feel bothered. She then came back and asked me to fax in a very long list of documents : - valid government issued ID. - social security card. - lease of mortgage of my home. - federal tax return of the last 2 years. - bank statements of the last 2 months. - EIN Confirmation Letter for my business. I was shocked. I explained to her that I had already provided US Bank 's Customer Authentication Department with the EIN Confirmation Letter for my business 1 month earlier ( fax sent on XX/XX/XXXX ), which resulted in the approval of my business checking account, but she seemed not to care, disregarding the review performed by her peers 1 month ago, and insisting I would have to fax it again. I refrained myself from making any comments on the spot, but I was obviously bothered by the situation. The agent wanted to verify/have documented every single piece of single information provided, even the information already verified/documented by her peers. I found this excessive, and of course, made me reconsider whether it would make sense to move forward with the processing of the credit card application. But things got worse. A couple of days later, I realized that some transfers that I had ordered from my personal checking account had been rejected. I then called in Customer Service and was advised that the agent from the Customer Authentication Department had put a HOLD on my approved and funded personal and checking accounts on XX/XX/XXXX. At this point, I was flabbergasted, annoyed and frustrated. How could possibly funds that came from bank accounts under my name, verified and linked on US Banks mobile app, be left suddenly out of my reach? Since XX/XX/XXXX, I have been unable to access the XXXX usd that I hold on my business and checking accounts at US Bank, nor even make any bill payment. This is excessive and not fair. While I appreciate XXXX Bank 's concern for customer 's security, I feel the steps taken by the agent of the Customer Authentication Department have been excessive. To keep it short, I checked in regarding the consumer credit card application, I successfully provided clarification regarding my residential address as the one matching on my credit report, but left the call with a laundry list of documents that I was demanded to fax in, including documents ( EIN Confirmation Letter ) that I had faxed to the same department 1 month ago to have my business checking account approved. I don't understand what the concerns of US Bank are and why my checking accounts got a HOLD. I would like to analyze the situation in parts : 1. Regarding my business checking account, active, approved and funded, the business address provided was verified by US Bank when I faxed in my EIN confirmation Letter on XX/XX/XXXX, which ended in the approval of the account. So I feel I do not have to fax the EIN confirmation letter again as requested ; instead, US Bank should check its records, find the EIN confirmation letter was faxed by me on XX/XX/XXXX, and lift the HOLD on the account. I do not find anything left to be verified regarding my business checking account, so I think the HOLD on this account should be lifted. 2. Regarding my consumer checking account, active, approved and funded, the residential address provided was my mailing and business address, which had already been verified by US Bank. If US Bank requires me to provide my residential address, I had already done so, XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX, as my credit report shows. So I feel there is nothing left to be verified regarding this account either, and US Bank should lift the HOLD on the account. 3. If there is any concern about my identity, I do not have any issues in faxing in my government issued ID and social security card, and the banking statements of the last 2 months, as requested. XXXX. Regarding the request to fax in my mortgage and federal tax return of the last 2 years, while I understand this request in the context of the consumer credit card application XXXX, I find it excessively intrusive for a credit card application and I do not feel comfortable sharing these documents. These information can be obtained from my credit reports as all other financial institutions I do business with have done. Therefore, if these documents will be essential for processing of the credit card application XXXX, I would rather have it removed. At this point I feel under the obligation to bring this to your attention, as this situation requires an immediate resolution. There is no good reason to have a HOLD on my checking accounts with XXXX usd on them because of a credit card application. I would appreciate receiving a call from a seasoned specialist from your Executive Office ASAP to have the HOLD lifted swiftly and to provide a proper resolution to the credit card applications. If such an immediate action can not be taken, please have my accounts closed immediately and my funds refunded by check to my mailing address on file or to the bank accounts the funds came originally from. I personally feel under the moral obligation to make this dreadful experience visible to you. I bet this is not the way you would expect your employees to approach a recently acquired new customer, an XXXX from an XXXX XXXX top business school. Of course I would like my case to be resolved favorably and swiftly, but most importantly I do not want anybody else to experience a situation like this. It is just not fair, nobody deserves to be treated like this. I look forward to hearing from you ASAP. Sincerely, p.s. find attached the fax I sent on XX/XX/XXXX with my EIN confirmation letter, which led to the approval of my business checking account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 917XX
Submitted Via: Web
Date Sent: 2023-10-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: The company in question Us Bank ran a hard inquiry on my personal credit report. this company was not give permission to run a hard inquiry on my personal credit report.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77373
Submitted Via: Web
Date Sent: 2023-10-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A