Consumer complaint received 2021-04-17
Company: U.S. BANCORP
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with customer service

Complaint:
I had a XXXX XXXX XXXX XXXX that I sold in XX/XX/XXXX. In XXXX of XXXX I sold the business property where all my bills got sent to. My XXXX had made arraignments to have the bills sent to my house. I did not get any bills sent to my house so I figured she was still getting them. I did not use the card as frequently because as I stated I sold my XXXX. In XXXX I was out of state and tried to use the card it was denied. I called the card company ( XXXX  XXXX  Visa ) Elan Financial Services to find out why it was denied. They stated I was 32 days past due. I said how can that be I have not received any bills and why did you not call me or email me surely you have to have by business number, this is a business card. The card was taken out in XXXX when I purchased the business from my partner and became an LLC. They said they called the number on file several times. I asked them to give me the number they called. It was not any number I recognized. They got abrupt and said well we called that number several times and left a message and the card was on hold till they received a payment. I had my bank account number and routing number and paid it in full electronically. I called the number they had on file a machine answered with this message Hi Im XXXX I am not at home please leave a message. I recognized the voice of my ex-wife. We have been divorced for over 18 years and had no way of knowing her phone number. I called the card company and spoke to a supervisor ( XXXX ) telling him the facts of the case and asked how did my ex-wifes number got put on as my credit card contact number. He did not seem to give a damn and said I should have realized that I was not receiving any invoices. I said there was the confusion with the address change you could have called my business number or sent the bill to either the old address or the new one, you did neither and arent you the slight bit curious how my ex-wifes phone was used as a contact number. His response yea thats strange. I have been in contact with Elan many times to straighten this out. I asked that all the invoices be sent to me either through email or mailed to me so that I can review them. All they did was mail me a total amount owed without any break down. I called again on XX/XX/XXXX to find out why I have not received them. I talked to a person named XXXX and she said she could not email it but would mail me and fax them to me. It has been 4 hour and still no fax. 
I have paid these bills in full yet I have no way to verify if they are legitimate. This has been a nightmare I have always paid my bill on time every month religiously. I am asking the CFPB to step in and hold Elan responsible to correct this and to clear up what ever damage was done to my credit rating. I feel very wronged by this and feel powerless they seem to hold all the power without any responsibility or liability. 

Thank for your consideration in this matter, XXXX

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