Consumer complaint received 2020-01-04
Company: U.S. BANCORP
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Elan Financial is trying collect money on a XXXX XXXX Rewards card that I have never received or applied for. And my rights to dispute and settle debt have not been explained. I have no access to this account. I can not look up and review the history online. This is an account that was closed 10 years ago and should have long been paid off by now. It had been sold off a few times ... causing issues in payment and access. All other account holders have online digital access to their accounts and can download information and history. I can not. 

After the phone call today on XX/XX/2020 with Elan Financial and the way the representative 's behavior changed by my wanting further information, leads me to believe that there is something going on with this account, how it is marked, cataloged, how much I have paid over the life of the account as it changed company hands over the years ... like one company wrote it off and then sold it to another company or it is in a " retired '' bundle, but they are still pursuing this, which is why I do not have access ... and it is a ghost account being carried over. I am not explaining this well ... but it seems to be in a " greyed out area. '' When asking further questions, the rep accused me of fabricating to her ( no idea about what ) in reference to obtaining a settlement amount because I continued to ask questions after being told a settlement price. Also, after telling me a price, she asked me what amount I would agree to pay. Then told me that I could not offer another price because the system would reject it, because she already told me what the system said. I asked why she asked me for my offer and she said that it was in the next page of her script.??? 

This led me to believe that something is wrong, and I probably need a trained advocate to communicate on my behalf. But I was hasseled and told that the offer may not be there if I did not agree to something and make a payment today, when I wanted time to review. I had been asking how the options would ultimately be reflected on my credit report ... would it say paid as a agreed, would 'catch up ' payments be marked in default until the account was current ... and she said that Elan could not provide this information, that I had to call the credit bureaus. And I explained that a credit bureau says it only reports what it recieves from financial institutions, so Elan should know how it will report this. And this led to more accusations that I was creating storylines. The more I inquired, the more upset she was. Then she hung up. 

Note, I have never had any other problems with any credit account accept for this one. Going back 10 years .... it is just this account. And my credit report will reflect this. I think there is something wrong with this debt being transferred over. Elan is telling me this is my former XXXX account, but that was a former card from something else. I called Elan a while ago, inititally thinking credit card fraud. Now I think there is something wrong that I am not given online access. I do not maintain checks with my bank because everything is digital, so I am supposed to call Elan once a month a pay by phone.??? When I can not see anything from this original balance. If it was a real account, I believe I would have online access. Receiving a bill means nothing.

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