Consumer complaint received 2024-04-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: IL

Complaint narrative:
XX/XX/XXXX Associated Bank Elan Financial Services XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Minnesota RE XXXX ASSOCIATED BANK CREDIT CARD LAST FOUR DIGITS : XXXX ELAN FINANCIAL SERVICES AND XXXX XXXX XXXX RE : CLAIM ID : XXXX and CASE ID NUMBER : XXXX I, Ms XXXX XXXX XXXX XXXX XXXX ( never married life ) [ declare, certify, verify or state ] under penalty of perjury under the laws of the United States of America , that the foregoing is true and correct.

First and foremost, I want to thank the Supervisor who I spoke to regarding, XXXX XXXX XXXX XXXXXXXX XXXX ( never married in life ) reporting difficulty I first experience while in XXXX XXXX, XXXX when I tried to book an XXXX  on XX/XX/XXXX. 

On several attempts my daughter XXXX XXXX XXXX and I attempted to transmit a payment to pay for an XXXX while staying at an XXXX and was directed as having a US

BANK CREDIT CARD.XXXXI, XXXX XXXX XXXX XXXXXXXX XXXX ( never married in life ) attest to the fact, I have never applied for a XXXX XXXXXXXX XXXX CREDIT CARD. Additionally, it was never communicated to me when I applied for an Associated Bank Credit Card that it was a subsidiary of XXXX XXXX XXXXELAN FINANCIAL SERVICES . 

Moving forward, while I was in XXXX XXXX, XXXX, I, XXXX XXXX XXXX XXXX, contacted Associated Bank, spoke with a Customer Service Representative who stated my closing date was the XXXX of the month, after not being able to book an XXXX with my Associated Bank  Credit Card, that continued to tell me to LOG INTO MY US BANK CREDIT CARD. I continued to dispute this matter and requested to speak with a Supervisor, who also stated my closing date was the XXXX of the month, until I stated I had a statement in my presence that stated different. That is when the Supervisor XXXX stated the closing date was the XXXX of the month. Please listen to all recorded phone call. 

What was appalling was the Supervisors attitude when I was explaining to her the difficulties I was currently experience while I was attempting to book an XXXX with my Associated Bank Credit Card. I requested for all phone calls to be listening too. More specifically, before speaking with Supervisor XXXX, I, XXXX XXXX XXXX XXXX, has spoke with a customer service representative from Associated Bank, who stated my balance was estimated to be approximately around {$430.00} not including foreign fees. Please listen to all recorded phone calls. 

Just as important, after speaking with a male customer service representative on XX/XX/XXXX XXXX XXXX. I spoke with a late night Supervisor, XXXX who stated Associated Bank would not request a phone recording calls for this incident. To find out differently is a serious issue that needs to be thoroughly investigated. Especially, when identity theft is involved. 

I, XXXX XXXX XXXX XXXX, experienced while in XXXX XXXX XXXX where my Associated Bank  Credit Card would not transmit. Specifically while in XXXX, after using it at a XXXX XXXX XXXX, located on the XXXX XXXX XXXX XXXX. I experienced several incidents where my Associated Credit Card would not transmit while in XXXX XXXX and while in XXXX XXXX, XXXX. 

Listed below is the Transaction I am currently disputed with Associated Bank Credit Card. 









After speaking with XXXX, from Associated Bank o XX/XX/XXXX, it was brought to my attention XXXX XXXX, charged a {$6.00} Foreign Fee. 

On XX/XX/XXXX, XXXX XXXX XXXX, I, XXXX XXXX XXXX XXXX, spinster ( never married in life ) with a witness my daughter XXXX XXXX XXXX, who can attest to the fact, we made it to XXXX XXXX XXXX XXXX  IN SUFFICIENT AMOUNT OF TIME FOR ME TO GET ON THE FLIGHT I BOOKED WITH MY ASSOCIATED BANK CREDIT CARD. Additionally, XXXX XXXX XXXX XXXX, was sent an XXXX XXXX XXXX XXXX to her XXXX Cell phone. Phone number XXXX that the XXXX XXXX XXXX XXXX XXXX XXXX would not allow me to use in order to board the flight out of the XXXX XXXX XXXX XXXX. 

The front counter closed on XXXX XXXX XXXX XXXX as well as the XXXX was turned off. It was open when both my daughter and I got off the elevator. XXXX XXXX XXXX XXXX, daughter can attest and witness this fact. Again the security guard witnessed my XXXX XXXX XXXX XXXX  that was sent to me by XXXX XXXX, but would not allow me to board the flight with it. 

According to XXXX XXXX TERMS AND CONDITIONS, XXXX XXXX IS IN VIOLATION OF THEIR TERMS AND CONDITIONS. 

I DID NOT HAVE ANY CUSTOMS TO DECLARE, or report to military service authorities or quarantine authorities. 

I, XXXX XXXX XXXX XXXX, attest to the fact, I did not CANCEL MY FLIGHT with the Merchant. XXXX XXXX. 

More importantly, no one was at the front counter to assist me. Nobody attempted to assist me or my daughter. I was literally left stranded after XXXX XXXX charged my Associated Bank Credit Card that is affiliated with Elan Financial Services as well as XXXX XXXX XXXX. 

XXXX XXXX, has not reached out to me or attempted to resolve this issue with me at all. My daughter, XXXX XXXX XXXX, can also attest to this fact, who can also attest to the fact, I, XXXX XXXX XXXX XXXXXXXX XXXX ( never married in life ) could not transmit my Associated Bank Credit Card to book an XXXX on XX/XX/XXXX XXXX XXXX, XXXX XXXX with my Associated Bank Credit Card that continued to state I had a US BANK CREDIT CARD THAT IS AFFILIATED WITH ELAN FINANCIAL AND XXXX XXXX XXXX. 

As I stated to the Supervisor on XX/XX/XXXX, XXXX XXXX XXXX  is in partnership with XXXX XXXX XXXX who I currently have homeowners insurance with as well as the VACANT LAND IS INSURED UNDER MY CONDOMINIUM HOMEOWNERs POLICY. XXXX XXXX XXXX, has both my social security number and my daughters social security number when we had a XXXX XXXX XXXX insured with them. XXXX XXXX XXXX was taking an automatic monthly payment fro car insurance from : XXXX XXXX XXXX XXXXXXXX XXXX Checking Account that is tied to XXXX XXXX XXXX XXXX XXXX Credit Card, that is linked to XXXX XXXX XXXX XXXX Cell Phone. 

More importantly, before I, XXXX XXXX XXXX XXXX, left to go abroad with my daughter, XXXX XXXX XXXX, I personally went to a XXXX XXXX XXXX XXXX office, located in XXXX XXXX XXXX, Illinois and paid two months of homeowners insurance with my Associated Bank Credit Card in the amount of {$66.00}. 

It is on record with Illinois Department of Insurance XXXX XXXX XXXX fraudulently placed two claims on my insurance report. COMPLAINT NUMBER : XXXX. I, XXXX XXXX XXXX XXXX, attest to the fact, I filed a formal complaint with the Illinois Department of Insurance. As well as with the Federal Trade Commissioner. Federal Trade Commissioner Complaint Number : XXXX In closing, I would like to mention I gave XXXX Support team access to my brand new XXXX Cell phone to attempt to retrieve the XXXX XXXX sent to my Apple Cell Phone by XXXX XXXX. XXXX XXXX team was not successful in retrieving the XXXX XXXX  SENT TO ME BY XXXX XXXX Allowing me to board flight XXXX. Leaving me stranded. Forcing me to book another flight with another air carrier. Enforcing my daughter, XXXX XXXX XXXX, to charge on her XXXX XXXX Credit Card {$800.00} in order for me to to fly out of the XXXX XXXX XXXX XXXX. XXXX XXXX XXXX XXXX XXXX Credit Card was also used when she and I booked an XXXX to stay in XXXX XXXX. XXXX XXXX XXXX, also used her XXXX XXXX Credit Card while touring in XXXX XXXX and in XXXX XXXX, XXXX. Whoever is cloning or should I say hacking into my daughter and my confidential credit file is causing serious problems for myself and my daughter. 

When I returned home from being abroad, I was sent a letter by XXXX XXXX, that someone had used my identity with a XXXX XXXX credit card and made charges. I was not held liable. 

Additionally, prior to going abroad, I went to XXXX XXXX XXXX of Deeds with my daughter XXXX XXXX XXXX, as a witness and had a [ XXXX ]. An XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX ) Pursuant to XXXX XXXX XXXX ET. XXXX recorded. For both properties. The property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX and the XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, Illinois XXXX. Document number : XXXX. After continually being fraudulently solicited stating I had applied for and was approved for an XXXX XXXX XXXX XXXX FOR {$36000.00}. I decided to research the [ XXXX ] to find someone incorrectly scanned into XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ] to a third party vendor. The [ XXXX ] was assigned to a XXXX XXXX XXXX, who is affiliated with XXXX XXXX XXXX  AND RECEIVED A MORTGAGE ASSIGNMENT FROM XXXX XXXX XXXX. 

I also would like to mention XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, located in XXXX XXXX XXXX, Illinois are also affiliated with XXXX XXXXXXXX XXXX as well as with the ILLINOIS XXXX XXXX XXXX. I, XXXX XXXX XXXX XXXX XXXX ( never married in life ) have never applied for a {$36000.00} XXXX XXXXXXXX XXXX. 

Needless to say, while I was out of the country my LAND SURVEYOR, who I have worked with contacted me via email and stated a PLAT OF SURVEY WAS ORDEREDIt definitely was not me. More horrific, when I returned from out of the country the front door lever locks of my townhome located at : XXXX XXXX XXXX, XXXX XXXX XXXX, Illinois had been broken into. I have had to place confidential passwords on bank accounts, loan accounts, etc. I have not applied for any sort of mortgage loan. I have not applied for a loan on the VACANT LAND THAT IS PAID FOR IN ENTIRETY. I have not applied for any type of credit since XXXX of XXXX. When, I transferred my Associated Bank Credit Card Debt and assumed transferred the DEBT with with a new XXXX XXXX  Credit Card. I currently have two XXXX  CREDIT CARDS.

All evidence of documents will be uploaded as I was advised when I telephoned the Consumer Protection Bureau on XX/XX/XXXX and spoke with XXXX, who advised me to file all three complaints separately. Associated Bank, Elan Financial and XXXX XXXX XXXX. 

XXXX of XXXX, I, XXXX XXXX XXXX XXXX, received a letter in my United States Mail Box from Elan Financial stating the charges had been reversed back to my Associated Bank Credit Card. I immediately telephoned Elan Financial regarding this matter. I spoke with a young lady who stated her name is XXXX, who stated she was located in the XXXX XXXXXXXX XXXX XXXX What I noticed on the letter was only the CLAIM ID : XXXX was listed on the letter not the CASE ID NUMBER : XXXX. Requesting for all telephone calls to be thoroughly listen to support my case. Letters of evidence attached. 

In closing, I also would like to mention an Associated Bank Banker from XXXX, Illinois contacted me on my New XXXX  Cell Phone. The Associated Banker contacted me by telephone from telephone number : XXXX. Associated Bank Banker, stated he was giving me a courtesy call regarding me opening up a bank account with Associated Bank. I have spoke with XXXX regarding me opening up a Business Account banking with Associated Bank. He stated he would follow up with me. But to no avail, I have not heard back from Associated Bank Banker XXXX. Our conversation was about terms and conditions regarding Associated Bank Business Account policies. As well as a Foreign Entity in the state of Illinois. As I explained to Associated Bank Banker, XXXX, I would not have to have a Foreign Business Entity in the state of Illinois, due to the fact, I was not opening a store, a commercial business, and or leasing a space in the state of Illinois. My business was strictly an on line business. Please have all telephone calls recorded and listen to them. As always, thank you. 


Respectfully, XXXX XXXX XXXX XXXXXXXX XXXX ( never married in life ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Telephone number : XXXX Cc : Documents XXXX XXXX XXXX XXXX are uploading Letters from ELAN FINANCIAL Receipt of Documents mailed to ELAN FINANCIAL IMAGE OF LETTERS MAILED FROM XXXX XXXX XXXX, IL. 
FEDERAL TRADE COMMISSIONER - THEFT OF IDENTITY XXXX XXXX TERMS AND CONDITIONS ASSOCIATED BANK CREDIT CARD STATEMENT XXXX XXXX  STATEMENT OF XXXX ADDRESS MY DAUGHTER AND I WAS STAYING WHEN THE ASSOCIATED BANK CREDIT CARD WOULD NOT TRANSMIT XXXX XXXX RECORDER OF DEED [ XXXX ] XXXX XXXX XXXX XXXX XXXX XXXX  ASSIGNMENT STATE OF ILLINOIS COMPLAINT AGAINST 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