Consumer complaint received 2020-02-06
Company: U.S. BANCORP
State: WA
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:
Id like to report a consistency of errors regarding my balance for my U.S. Bank credit card account. I first noticed the incorrect balances three months ago in XXXX when I reported my first dispute ( file number XXXX ) on XXXX XXXX for my XXXX. Then I realized that the balances for 3 consecutive months starting XXXX to XXXX have been wrongly reported and I been disputing them once a month and STILL have not received correct information reported on my credit score, even after submitting the disputes. 
The balance on my statement dated XX/XX/XXXX was at first very different from the balance reported from my U.S. Bank credit card account on XXXX. My statement balance is {$230.00} while XXXX XXXX reports a balance of {$380.00}. I submitted a dispute to XXXX for the inaccuracy of my balance on XX/XX/XXXX ( file number XXXX ). Later, on XX/XX/XXXX, a report balance of {$380.00} was reported on my XXXX and unfairly decreased my credit score on there too ( I have not checked XXXX, but you can imagine my worry and frustrations ). On XX/XX/XXXX, my dispute investigation was completed, however, it was still reported incorrectly. The new report balance is {$250.00} for XXXX assumed statement but I still have proof that my statement balance is {$230.00} as I stated on my dispute submission. 
Then on XX/XX/XXXX, my statement balance is a credit of {$190.00} because I overpaid and have received a credit for this amount on top of my credit limit. However, XXXX  reports a balance of {$370.00} reported on XX/XX/XXXX. I submit a dispute explaining that my statement balance shows $ XXXX because it is shown as a credit. After my dispute investigation was complete, nothing changed in my credit score or my balance for this account, though it was labeled completed. It is clear that this incorrect action comes from the U.S. Bank Credit Card Member ServicXXXX rather than XXXX XXXX/XXXX/XXXX/XXXX. 
On XX/XX/XXXX, a XXXX report for my U.S. Bank Credit card shows a balance of {$490.00} whereas my statement balance dated XX/XX/XXXX is {$140.00}. At this point, I am very tired of creating numerous disputes and want to take immediate action by reaching out to U.S. Bank Credit Card Member Service as well as submitting an investigation with XXXX. Card Member Service should consider incorrect credit reporting a very serious issue. I have tried to call U.S. Bank CB Disputes but I receive an answering machine that refers me to call XXXX, XXXX and XXXX   or file a dispute in writing to U.S. Banks Card Member Service. I am still waiting to hear from my latest dispute that I submitted on XX/XX/XXXX for XXXX statement balance. 
My biggest concern is that I recently noticed these wrong reportings for three months behind, but I am unsure how long someone has been wrongly reporting my balances. After disputing for three months, I am exhausted, and I would NOT like to dispute every monthly balance I receive on my credit score. And I would also like to include that this U.S. Bank credit card is a joint account and I hope to fix both, my husbands and my credit score reportings.

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