Consumer complaint received 2024-02-05 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: CA

Complaint narrative:
XX/XX/XXXX Received late payment-due notice from Elan Financial Services . I didn't recognize the card number ending in XXXX. Discovered later it was a card issued to me in XXXX from XXXX XXXX XXXX. I never activated the card and cut it up. According to Elan rep, XXXX, he said it looks like a replacement card issued in XX/XX/XXXX. To verify my identity, XXXX sent a text message to the phone # they have on file for the card. I never received the text because the number they have is XXXX ( he wouldn't tell me the whole number ). Area code XXXX is a Florida number. I have lived in XXXX CA my whole life, I only have XXXX area codes on every phone I've had. XXXX said it looks fraudulent and he would send it to the fraud department to investigate. Said I should expect a follow up in the mail. I was never contacted about the fraud investigation- only received more late payment notices. 


XX/XX/XXXX XXXX open letters/statements from XXXX XXXX XXXX XXXX I discover I started receiving statements for activity on this card in XXXX. I don't open things from XXXX in a timely manner because I don't do any transactions with XXXX except to let XXXX IRAs sit there. I see the card was being used in XXXX from XXXX, XXXX, XXXX. I've never been out of the XXXX, I've never had a passport. 


XX/XX/XXXX I visit my local XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, CA XXXX, and talk to XXXX XXXX XXXX, XXXX, ( XXXX ) XXXX. She is very helpful and offers advice including filing a report on XXXX. The next day I send her XXXX, XXXX XXXX, XXXX, an email expressing my appreciation for her help. 


XX/XX/XXXX I file an Identity Theft report on XXXX. Report # XXXX. 


XX/XX/XXXX Not hearing anything I called Elan again. I was told that the fraud investigation was closed and it was " not found in my favor. '' I asked why I was never notified and was told that a letter was sent to me. I dispute that claim ; I definitely open anything from Elan as soon as I see it. I was given the name and phone # of the investigator and the case # : XXXX, XXXX, ext. XXXX, case # XXXX. I called and left a voicemail for her to call me back. Never received a call back. 


XX/XX/XXXX Interesting timing, after I call and ask to speak to the investigator assigned to my case, I receive a Settlement Program Offer of 65 % of the current balance. Balance is {$10000.00} ; settlement is {$6700.00}. These are clearly fraudulent charges. I will not settle for charges I never made. I'd like to know what sort of investigation they did to determine that I'm lying. What investigation took place that shows I went to XXXX and used that credit card? I've never left the country in all my XXXX  years of being on earth -- I've never had a passport. How could they do a full investigation without interviewing me?

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