Consumer complaint received 2021-02-02
Company: U.S. BANCORP
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
My name is XXXX XXXX. I live & work in XXXX as a front line worker in a very busy hospital. I only mention this cause it has a direct affect on my issue. 

I had a credit card with my bank. XXXX bank in XXXX. The credit card company XXXX bank uses is Elan financial services. 

In the Beginning of last year 2020, around XXXX, I payed off this credit card in full 100 % paid off. After the card was payed in full I then canceled the card. Cut the card into a million pieces and throw it away. I got rid of this credit card because of money. During Covid it has been very tough for me & my wife to get by. Yes am working but she is not. So every dollar counts. This is the reason for canceling the card so there would not be a bill every month.

Months later, around XXXX, a website company XXXX, that I was using for a website needed to be renewed. The credit card I had canceled was listed so XXXX charged that card. 

These charges should never have happen. The card was canceled. Elan financial services should have informed XXXX or the charge should had bounced back to Wix or they should have informed me. They did not. instead The charge Went through so I was charged almost {$300.00} on a credit card I already canceled. 

When I received the bill from Elan financial services I called them directly and was told they can not do anything. That the chargers went Through because that is the card that was on file and even Though I already canceled the card it didnt matter. The only way I could cancel was if I contacted XXXX to cancel the chargers. 

I did. I called XXXX and for days & days in XX/XX/2020, I had to fight with XXXX about canceling these chargers. Again being a front line worker it was extremely difficult To step away from my busy job at the hospital to make these phone calls not only with XXXX but with Elan financial services Finally XXXX agreed and canceled all charges. I spoke with a manger who explained that all chargers would be dropped. I then contacted Elan financial services and let them Know. I thought I was cleared from this but I was not. 

Few weeks ago I received a bill for {$24.00} from Elan financial services A fee the credit card company is staying is left over from the charges XXXX charger. A charger that should had never happen. Elan financial services is telling me that I must pay this bill or they will continue to hit with late fees. Even though I told them the mistake XXXX made and even though I told them XXXX is going to refund the {$24.00} they still want there payment from me. 
I called Elan financial services and explained my situation. Instead of just canceling this fee. A fee that should never have been put on a canceled card, they told me I had to pay it. Nothing they can do. 

I feel like am being scammed and squeezed by Elan financial services over {$24.00}. A way they can keep charging me and getting money from someone who truly needs every dime I make to Survive. 

Even thought XXXX is going to refund the {$24.00} they are still charging me These fees should be canceled and I should not have to pay any more money to Elan financial services Please help A front line worker tried of being scammed.

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 monetary relief