Consumer complaint received 2022-06-01
Company: U.S. BANCORP
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
My name is XXXX XXXX, I am writing this letter to inform you and come to a resourceful resolution for both of us. During XX/XX/XXXX, I opened a Line of Credit with one of the Bankers to help me pay my mortgage that I also had through U.S. Bank for that month. 

All was well, but unfortunately in my personal life a few short months after, I had faced some hard times and was unable to keep up with my obligation of re-payment at that time. It wasnt until approximately XXXX when I had not only moved to another state ( North Carolina ), but my finances were in a much better place when I started to receive correspondence about this repayment/collection. 

It wasnt until XXXX when this item started to cause me issues, ( buying a home, preparing for XXXX XXXX ) when my wife and I were beginning to get our affairs in order to buy a home for our growing family of four children, we were not eligible for the USDA Loan because of this Line of Credit was keeping my score at stand still pace of XXXX and for the USDA loan, it required a XXXX credit score. The lender we were working with was helping us and was able to verify the information above once he pulled my credit score. 

It was then when I spent several months off and on trying to get a hold of the appropriate person/department within U.S Bank to try and get some assistance regarding this and get a resolution so my family and I could not only look to buy a home, but I had gotten to the halfway point of becoming a XXXX XXXX within the XXXX XXXX XXXX to serve my community. ( Which Ive now completed ) When I finally reached the appropriate department and told them the above story and the representative told me that they could assist with payment, I was relieved, my hope to provide my growing family of XXXX ( including myself ) by buying a home was going to come true, and then I could begin focusing my serving my community as a XXXX XXXX, but that dream was short-lived ; I was told by the representative and if Im not mistaken, a manager within the Recovery Department that -U.S. Bank : Line of Credit ( Acct XXXX ) for {$1000.00}, but more like {$1100.00} with past due fees could not be paid or at least the phone representative couldnt take payment due to the North Carolina Statute of limitations. 



This letter is a last-ditch effort in hopes of making a dark situation in my life into a light one, as Im now a XXXX XXXX and pursing a full-time career as a XXXX in XXXX with my family through XXXX XXXX XXXX XXXX XXXX 

Could you kindly guide me in the steps necessary to write my wrong and make a payment or remove this from my credit, which then, the credit reporting laws will ensure that bureaus report only 100 % accurate credit information, and Ill be able to not only put this multiple year issue behind, but begin my journey with my family serving in the ministry and my community.

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 non-monetary relief