Consumer complaint received 2023-02-06
Company: U.S. BANCORP
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hello, Ive had an issue with credit abuse concerning Elan Financial Services XXXX XXXX XXXX  dating back to XX/XX/XXXX. Since I have not been able to get any resolution from either Elan Financial Services or XXXX XXXX, Im forced to write to XXXX XXXX XXXX  XXXX. 

My issue is certainly not for a lack of trying to resolve my situation. Ive even had an in-person meeting with our XXXX XXXX Manager, XXXX XXXX XXXX XXXX To which of no avail of a resolution. 

For background, I've always paid what bills Ive owed on time with never any issues. 

To start from the beginning of this injustice on the behalf of Elan Financial Services XXXX XXXX XXXX dating back to XX/XX/XXXX. On that date I switched to my current credit card company, XXXX XXXX XXXX Services. Taking what balance and bills I had left due on my now previous credit card company, Elan Financial Services XXXX XXXX XXXX, to transfer a total amount of {$990.00} over from Elan, to XXXX. Further stopping any payments due including for the following month which would have been XX/XX/XXXX and so on to Elan Financial Services and XXXX XXXX. Following I made a call to get the reinsurance from an automated voice from Elan XXXX XXXX that I had no more payments due moving forward and with that it was all in the further hands of XXXX. 

Five months after my transfer to XXXX everything was going swimmingly with a credit core of XXXX. Only to check my credit score on XX/XX/XXXX through XXXX and XXXX using the XXXX XXXX app. To find that my score had dropped XXXX. Going from an impressive score of XXXX of never paying late, down to XXXX. 

Upon seeing this that night I immediately went on to find out what the issue was. Ive never had any problems paying either on time or my bills. The following day being XX/XX/XXXX I called one of my creditors, XXXX. Only then preceding to find out that Elan Financial Services had put a claim on my credit reports. On that same day after receiving nothing from Elan Financial Survives prior. I got a blank envelope with a letter stating to call an unknown XXXX ( XXXX ) Number from XXXX XXXX. 

Even after getting confirmation from both Elan Financial Services and XXXX XXXX from their automated system that every bill and balance that I owed was nothing more to them. Somehow there was an incorrect payment of {$27.00} from the following months bill that would have been due on XX/XX/XXXX dating back to XX/XX/XXXX. 

Within those five months from transferring over to XXXX. Elan Financial Services previous to this had not even sent me so much as letter, let alone a phone call or email to give any form of notice as to this payment of {$27.00} to their card member service. Upon finding out this out, not only was the amount not paid for from that following month. But also continuing late fees for said balance were added to make a total of {$120.00}. 

Without further hesitation on that day being XX/XX/XXXX I paid the balance of {$120.00} to Elan Financial Services. So to no longer have anything else due to their card member service. 

On XX/XX/XXXX I put in a dispute over to Elan Financial Services and XXXX XXXX  for the incorrect billing of the the initial {$27.00} and the three late fees of another {$27.00}, {$29.00}, {$31.00}, and three minimum interest charge fees of {$2.00} each adding to the total amount of {$120.00}. I put in this dispute with the accompanying support of an employee of Elan Financial Services named XXXX. Who stated that it was indeed their error as she went on to apologize. She as well told me that I should write a letter of dispute to Elan Financial Services. 

Upon doing so I was told by Elan Financial Services and XXXX XXXX that was indeed in the right of not owning for all of those months due that they stated. As of that statement by them they gave me my money being the {$120.00} back in the from of a check ( to which I have proof of ) to right their wrongs of falsely charging me. 

On XX/XX/XXXX being my next credit report update. For a brief period of time on that day. The dispute that was made on my credit score from Elan Financial Services was fully and rightfully taken off. Only for some unknown reason sometime later that day to have another dispute from Elan Financial Services back on my credit report. Making me go down almost the same amount of points to the high 700s, to the low 600s.

To my otter shock thinking this whole debacle was over and done with. I sent another letter to Elan Financial Services a day or two after in conferment as to why another dispute had been made by them. 

I then received a letter back from Elan Financial Services ( To which I proof of ) dating XX/XX/XXXX. On that letter it was stated that I did not call their automated service to see if I still owned anything to Elan Financial Services back on XX/XX/XXXX. As well as stating there was no bank error on their part despite what I was told by their representative, XXXX. But they originally only gave me back my money because, after admitting they were wrong, and I quote ; As a gesture of our appreciation for your business, we reversed all late payment fees and interest charges, and, on XX/XX/XXXX, you were issued a credit balance refund check in the amount of {$120.00}, per your request, as you had credit reporting for the account. To which on that letter it processed to state nothing more as a reason to why another dispute was put on my credit score and I have not gotten a clear cut answer still, even today. That dispute will now be on my credit report for the next five years even after they stated they were in the wrong of falsely changing me, giving me no insight that that amount was due, taking off the dispute, and giving my money back! 

A couple of months went by and in late summer of XXXX. I sat down with our XXXX XXXX  XXXX Manager, XXXX XXXX XXXX. Who told me to get a copy of the check from Elan Financial Services. Only to get denied twice from Elan Financial Services as to get not only a copy of said check. But any proof that it exists at all. Thankfully I have a XXXX XXXX  transactions and reversal statement that I kept for physical proof. 

I sit here now almost a full year later with no resolution to this unfair injustice on the behave of Elan Financial Services and XXXX XXXX. Through out the year I have spent time and energy sending multiple letters, making phone calls, and having in person meetings back and forth between Elan Financial Services, XXXX XXXX, and XXXX to only still come up empty handed. 

Thankfully, I have a full file of paper work, letters, dates, and proof of everything that has transpired in the past year. That I will be more than glad to show as proof if needed. 

I thank you for taking the time out of your busy day and schedule to read about my situation. As I hope you and or your organization can help me finally put this nightmare to rest and fully get this wrongfully accorded dispute from Elan Financial Services and XXXX XXXX off my credit report so it may rightfully go back to where it additionally was as this is fully effecting my credit in an unjust way that is holding me back.

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 non-monetary relief