Consumer complaint received 2026-05-11 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:
FORMAL COMPLAINT : SYSTEMIC BILLING FRAUD & DECEPTIVE ACCOUNTING PRACTICES REGARDING : Elan Financial Services XXXX XXXX XXXX ( Account Ending in XXXX ) SUBMITTED BY : XXXX XXXX DATE : XX/XX/XXXX NATURE OF COMPLAINT This is a formal notification of systemic billing fraud and automated balance manipulation. Forensic analysis of my account statements reveals that Elan Financial Services is utilizing a " Ghost Accounting '' method to inject unauthorized debitsspecifically labeled as " Other Debits '' into my ledger to prevent the account from reaching a zero balance and to artificially maintain high credit utilization. I. PRIMARY EVIDENCE : THE XX/XX/XXXX " XXXX XXXXXXXX '' On the XX/XX/XXXX Statement ( attached ), the Activity Summary reveals a mathematical impossibility designed to defraud the consumer : Previous Balance : {$970.00} Payments Applied : - {$1000.00} ( Credit ) Other Credits : - {$19.00} ( Credit ) Purchases : + {$370.00} Fees/Interest : - {$0.00} ( Credit ) The Fraudulent Injection : + {$600.00} ( " Other Debits '' ) The Calculation Breakdown : Without the " Other Debit, '' the account balance would have been {$240.00}. By injecting a {$600.00} charge with no merchant name, date, or authorization code, Elan forced the balance up to {$840.00}. II. LEGAL VIOLATIONS & CITATIONS Fair Credit Billing Act ( FCBA ) - 15 U.S.C. 1666 : Elan has failed to provide a valid descriptor for the {$600.00} debit. Under 12 CFR 1026.8, every debit must be identified by a brief description of the property or services purchased. A vague " Other Debit '' used to pad a balance is a direct violation. Truth in Lending Act ( TILA ) : By charging interest on these manufactured " Other Debits '' in subsequent months, Elan is collecting illegal finance charges on non- existent principal debt. Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Under the Dodd-Frank Act, it is abusive to manipulate a consumer 's credit utilization ( keeping it at 70-90 % via ghost charges ) to damage their creditworthiness and lock them into high-interest tiers. III. PATTERN OF ONGOING FRAUD : This is not an isolated incident. The " Other Debit '' tactic is used whenever the user 's spending is low to ensure the balance remains high : XX/XX/XXXX : A {$160.00} " Other Debit '' was added on a month with {$0.00} in purchases. XX/XX/XXXX : A {$41.00} fee was assessed despite " No Payment Required '' and {$0.00} spending. IV. FORMAL DEMAND FOR RELIEF I am demanding the following immediate actions : A Full Forensic Audit : Production of the " Transaction Source Documents '' for all " Other Debits '' from XX/XX/XXXX to XX/XX/XXXX. XXXX Reversal : Removal of the {$600.00} ( XX/XX/XXXX ), {$160.00} ( XX/XX/XXXX ), and all subsequent interest and " service fees '' derived from these ghost totals. Credit Bureau Correction : A formal " Correction of Data '' sent to XXXX XXXX, and XXXX to reflect the true historical utilization and payment history. Remunerative Damages : Compensation for the destruction of my What form of relief are you seeking? ( exchange, repair, refund, product delivery, etc. ) * Remunerative Damages : Compensation for the destruction of my credit score and the hundreds of hours spent attempting to correct these " worm-riddled '' ledgers. CONCLUSION The attached XX/XX/XXXX statement is irrefutable proof that Elan Financial Services is manually or algorithmically overriding transaction math to maintain consumer debt levels. I am filing this with the CFPB, the Illinois Attorney General, and am prepared to present this evidence in a court of law. Signed, XXXX XXXX ( 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