Consumer complaint received 2020-11-04
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I have been a good customer with Fidelity for over 15 years. During my time with them I decided to get a credit card from a Visa provider with the name of6 Elan Financial Services which I used as my main personal and business purchasing source. Due to our country 's trouble over the past year I had some issues paying all my bills but always stepped up to the plate and at least contacted them. I was given a personal individual by Elan who I was in contact during some hard times but we completely understood what my only options were. I assured her that I was selling some property which has been in my family for a 150 years just to get through my family 's financial problems. I first sent this message directly to Elan " On XX/XX/2020 at XXXX XXXX the following message was sent : I am almost able to pay a lot more then the monthly payment. I am selling some property and just listed it this week. Please try and hold off a little longer I beg you. Things are very hard right now and my family is struggling. I am selling property that my great grandfather owned and it has our family in torn places right now. The piece I am selling has a 850 year old oak tree and it tears me apart for having to sell it. The world is at a place where people don't understand why they are having to stay away from each other. But I am sure that we all will be ok soon. I will start contacting you every week with an update but I am sure it will be gone soon and I will have the money to pay you back. I'm one of the most creative people in this world but nothing needs creating. My homes are very unique and I have to get back to the place I belong ... .Thank you and God Bless '' and then talked with my agent assuring I would have it paid very soon. again she assured me I would not have my account closed. On XX/XX/2020 I paid my account up to date and was relieved. Well, so I thought. To this day it still shows I can use my card with everything showing as if it's still working. What I am very upset with is I am almost XXXX with no retirement in site and a credit score that went from XXXX to XXXX in two months because due to the closing it shows I am 269 % over my credit ability. I want justice and I want the stimulus money our government gave to this company. I also want our country to bring back service6 and help to all of us. People must stop relying on computers when it comes to emotions and when a person agrees with another person it must be followed to their understanding of what the issues are based on our governments verbal presentation on our problems. We need to get our live6s back to remain a human compassionate world or we all shall be blamed for destroying what god created. When a computer has the power to govern the laws placed on a companies policy with no feelings allotted for human error I promise you everything you see happening now is a small pain compared to the one which will come from our mistakes which deletes one human from caring about another. People may think whatever they want but one thing all of us do is cry when we are sad and smile when we are happy. Look around because no one is smiling and it is just the beginning of so many tears. Thank you I'm complaining about Elan Financial Services who neglected our governments rules due to the covid-19 Pandemic. XXXX XXXX XXXX. I've attach screenshot showing how my account still says I have available funds on card. Shows you how much these companies are in business with each other.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation