Consumer complaint received 2026-04-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
DATE : XX/XX/XXXX RE : Formal Complaint Systematic Billing Errors and Unexplained Charges Account Ending In : XXXX ( XXXX Platinum Card ) Disputed Amount : {$1000.00} ( Identified discrepancy for XXXX XXXX XXXX period alone ) To Whom It May Concern, I am XXXX XXXX, filing this formal complaint against Elan Financial Services, Account Ending In : XXXX ( XXXX Platinum Card ), for persistent billing errors, a lack of transparency regarding " Other Debits, '' and a failure to resolve documented mathematical discrepancies spanning the last XXXX years. Despite numerous prior requests for clarification, the creditor has failed to provide a line-item accounting of charges or rectify clear balance errors. XXXX. The " XXXX XXXX '' Discrepancy ( XX/XX/XXXX XX/XX/XXXX ) My analysis of the ledger reveals XXXX levels of overcharging. Level A : The Mathematical Failure Using Elans own reported figures, including the unexplained {$600.00} " Other Debit '' : Previous Balance ( {$970.00} ) + Purchases ( {$370.00} ) + Other Debits ( {$600.00} ) Payments ( {$1000.00} ) Credits ( {$19.00} ) Fees ( {$0.00} ) = {$840.00} XXXX Reported Balance : {$1200.00} Discrepancy : {$440.00} ( An " invisible '' charge with no transaction record ). Level B : The Phantom " Other Debits '' XXXX has steadfastly refused to identify the source of the {$600.00} labeled only as " Other Debits. '' Because they can not or will not verify this debt as required by the Fair Credit Billing Act ( XXXX ), this amount must be removed from the equation : Previous Balance ( {$970.00} ) + Purchases ( {$370.00} ) Payments ( {$1000.00} ) Credits ( {$19.00} ) Fees ( {$0.00} ) = {$240.00} Total Overcharge for this period : {$1000.00} ( {$440.00} math error + {$600.00} unverified debit ). XXXX. Pattern of Deception and Lack of Transparency This is not an isolated incident. My account shows recurring large " Other Debits '' ( e.g., {$480.00} in a subsequent period ) that are never explained. Furthermore, on XX/XX/XXXX, XXXX double-charged a {$160.00} payment. While XXXX was eventually reversed, the subsequent " Other Debits '' suggest I am being penalized with fees for the creditor 's own processing glitches. Unfair & Deceptive Billing Practices ( " Other Debits '' ) XXXX. Failure to Provide Transaction Transparency My statements from XX/XX/XXXX XX/XX/XXXX consistently feature a line item labeled simply as " Other Debits '' without a corresponding vendor name, transaction ID, or descriptive breakdown of the charge. This is a direct violation of XXXX CFR XXXX ( b ) under Regulation XXXX, which requires a creditor to provide a clear and conspicuous identification of each transaction on the periodic statement. By labeling these charges as " Other Debits, '' Elan Financial Services is intentionally obscuring the nature of the debt, preventing me from verifying its validity. XXXX. Denial of Dispute Information ( " Internal Information '' Wall ) Upon contacting Elan Financial Services to dispute these " Other Debits, '' I was informed by representatives that the specific details of these charges are considered " Internal Information '' and can not be disclosed to the consumer. This practice constitutes an Unfair, Deceptive, or XXXX XXXX or XXXX ( XXXX ). Furthermore, under the XXXX XXXX Billing Act ( FCBA ), when a consumer disputes a charge as a " billing error '' ( which includes charges for which the consumer requests additional clarification ), the creditor is legally obligated to conduct a reasonable investigation and provide a written explanation or clarification. Claiming the data is " internal '' while holding the consumer liable for the balance is a bad-faith evasion of these federal requirements. XXXX. Predatory Penalization & Statement Suppression I allege that Elan Financial Services has engaged in " Statement Suppression, '' a practice where electronic and paper notices are withheld for specific billing cycles, as documented in numerous consumer reports in early XXXX. This allows the bank to trigger automatic late fees and interest spikes on balances that were effectively hidden from the consumer. When these fees are subsequently bundled into " Other Debits, '' the consumer is left without a clear ledger to dispute. Legal References for your Complaint Legal Basis : 15 U.S.C. 1666 ( XXXX XXXX Billing Act ) : Requires creditors to acknowledge and investigate billing errors within XXXX days. XXXX CFR XXXX ( b ) ( Regulation XXXX ) : Mandates that every transaction must be identified by date and a brief description. A generic " Other Debit '' does not meet the " clear and conspicuous '' standard. XXXX CFR XXXX ( f ) : Requires the creditor to provide " copies of documentary evidence '' if the consumer requests them as part of a dispute. The " XXXX XXXX '' excuse is a direct violation of this provision. Request for Relief : I have sent regular complaints over the last XXXX months which have been ignored. I demand : A full forensic audit of this account dating back XXXX years. A line-item explanation for every " Other Debit '' over {$1.00}. The immediate removal of the {$440.00} mathematical discrepancy. A full refund for all unverified " Other Debits '' and associated interest/late fees. A full refund for all identified overpayments. As a resident of Illinois, I am prepared to pursue this matter through the Illinois XXXX XXXX XXXX XXXX XXXX XXXX XXXX if a resolution is not reached within XXXX days. Sincerely, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, IL XXXX XXXX XXXX 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 explanation