Consumer complaint received 2020-07-28
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This account has a number of concerns that have been presented yet not handled. I received a condescending response to my concerns from XXXX no last name disclosed with the office of the president which I hope is not true because the level of service provided here and lack of decorum was so bad I had to write a cease and desist that he continued to violate. 

Now getting to the actual concerns I initially advised that this account was said to have been XXXX  out in late XX/XX/XXXX despite having two separate conversations and call logs reflecting as such US Bank claims it never happened Im imagined it. 

I was disputing the amount owed they said they place an active dispute on file and escalated and I was not responsible for the dispute balance but keep in mind interest would XXXX XXXX continued to accrue on the account during the dispute process. The other reports past due 30 days again we go back on the round and round. After being psssd around from rep to rep supervisor to supervisor each of which offering different information none of the information aligning with the other they put the account on a 2 month billing cycle extension for Covid 19 as part of their disaster assistance for consumers that also does not Happen and I get two additional reporting making it 90 days past due. 

The account was paid off in full at the end of XXXX within the 90 days and physically cleared my bank account onXX/XX/XXXX. The company has been furnished with proof of such and acknowledged such yet no amended has been made to any of the above least of all XXXX. 

During my initial dispute process XXXX was also added as past due on my credit profile. A copy of my credit profile, payment receipt were sent in verifying the information of such. I was called a liar in a lot of non so round about ways by this XXXX at the Office of The President claiming my disputes and allegations that contact was made never transpired. I advised because o felt as though I had exhausted every reasonable recourse as a consumer if I could not get the proper correction I would have no other direction but to seek legal remedy. 

XXXX takes little regards in any concerns and just reminds me of the arbitration process and gives a number. Keep in mind I am not a customer of 6 months that was late three out of 6 months. I am a customer of 7 years that has never once been 30 days late. Ive never not communicated despite having been called a liar multiple times indirectly by XXXX which is started to become slander I have furnished the credit reporting that shows the account was in fact reporting late for XXXX and amended at US Banks request though XXXX states it was not. My allegations do to speak that calls were made and not properly notated is verified by extension calls logs and multiple witnesses the callback from the Supervisor advising the account was in fact on extension for XXXX and XXXX was on speakerphone with colleagues. 

Additionally the account was paid off completely in XXXX just to be done with the account altogether because of the terrible service so clear there was XXXX financial issues preventing me to pay I continuously advised my ongoing dispute and when I paid on a recorded line US Bank I again stated I 100 % dispute the validity of this remaining balance and request monies paid be returned upon conclusion of my disputes. 

After 7 years I can assure you I didnt start being late not only to pay everything off completely in the same month you XXXX are alleging I am 90-120 days late. NO Not happening what in fact happened is that your company failed to process the extension as promised, you are relying upon notes that may or may not have been input correctly based upon your own correspondences alone you are not reflecting 13 calls, any letters once so ever. You also called me 3 times in the month of XXXX alone reconfirming each time that the account was absolutely in extension with XXXX payment due. 

Your response is that you verified multiple times with my prior responses what you did was resend me the same condescending correspondence you sent the first time with little regard to customer service or actual proper service. You took a baseline overview and your position towards a customer regardless of their circumstance was honestly terrible. I paid this account in full during a pandemic during a time which your company stated it was extended and was failed to be so this notion that the information reported to the credit bureaus is accurate is completely false and could not be further from the truth. The service was so bad during service with you and after that I even said I would be willing to forego 6+ years of positive history just to be done with US Bank completely and you couldnt even do that. The FCRA does not require you to report any any means it only requires that any information be reported be 100 % accurate in which despite your allegations and assertions is 100 % not so again it was disputed for XXXX and XX/XX/XXXX no payment said to have been due XXXX and XXXX were extended for Covid and failed to be applied also have multiple inbound and outbound call logs that you claim never took place that I will include my case if you continue to fail to just do the right thing. 

Additionally you have many instances of the same circumstance online so clearly its a routine problem. Whats more likely that somewhere in the chaos and communicating with over 8 different reps during a pandemic that someone made a mistake which is ok as long as you own it and make it right or that a customer that has over 6 years of positive history whom is capable of paying off the entire account right then and there just miraculous shifted course and became 90-120 days out of nowhere with no worries in the world except the opposite is true Ive communicated so much prior to during and after it almost completely eliminates any margin of error on my part to be considered because I clearly care very much and this is honestly insane and highly disappointing. I can honestly say I am done with all things US Bank as a result of this if this is not rectified. This is terrible!

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