Consumer complaint received 2026-02-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: RI

Complaint narrative:
Company : Elan Financial Services Product : XXXX  Signature credit card ( ending XXXX ) XXXX Bank : XXXX XXXX XXXX  XXXX : XXXX XXXX Nature of Complaint This complaint concerns systemic dispute-handling failures, processing of charges while a card was locked, assessment of fees and balance inflation during active disputes, and retaliatory conduct by Elan Financial Services XXXX 

The conduct implicates the Fair Credit Billing Act ( XXXX ), Regulation XXXX, FCRA duties, and UDAAP standards. 



Summary of Issues XXXX. Charges Processed While Card Locked The card was manually locked to prevent further transactions. Despite this : Recurring charges continued to post. 
An XXXX transaction was disputed and credited. 
An XXXX agent admitted : We allow recurring charges to go through even when the card is locked. 

This contradicts the consumer-facing purpose of a card lock and creates security misrepresentation concerns. 



XXXX. Arbitrary Dispute Handling When asked why the XXXX dispute was granted, an agent stated : It just wasnt enough for us to care. 

This suggests : Non-standardized adjudication. 
Lack of evidence-based review. 
Indifference to statutory dispute obligations. 



XXXX. Improper Credit Bureau Reference An XXXX agent referenced my XXXX  dispute activity directly, stating : What are you going to do, file another claim with XXXX? 

This demonstrates : Internal awareness of protected credit-bureau disputes. 
Mocking or coercive posture tied to dispute activity. 
Retaliatory tone during an active billing dispute. 



XXXX. Cease & Desist Interference Cease & Desist submitted : XX/XX/year> ( XXXX PM ). 
A phone-number change notice was issued that same day ( XXXX PM ). 

Key facts : No authorization was given for contact-information changes. 
Changes interfered with dispute access and account management. 
XXXX & XXXX restricts contact, not account structure. 



XXXX. Account Inflation During Dispute During unresolved disputes : Fees continued accruing. 
Minimum payment increased. 
Balance inflated to {$2000.00} on a {$2000.00} limit. 
Available credit reduced to {$0.00}. 
Missed-payment alerts issued. 

Under XXXX XXXX XXXX disputed amounts should not trigger penalty escalation or coercive balance inflation. 



Harm Financial : Accrued penalties and fees. 
Increased minimum payment. 
Over-limit balance. 

Credit : Artificially elevated utilization. 
Risk of derogatory reporting. 

Procedural : Obstructed dispute resolution. 
Interference following formal notice. 



Requested Resolution XXXX. Removal of all fees, penalties, and balance increases assessed during active disputes. 
XXXX. Correction of account balance to reflect exclusion of disputed amounts. 
XXXX. Confirmation that no derogatory reporting occurred during the dispute period, or correction if it did. 
XXXX. Disclosure of dispute-investigation files and call recordings. 
XXXX Review of card-lock processing practices and dispute adjudication standards.

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