Consumer complaint received 2022-10-12
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I XXXX XXXX am making this complaint against US Bank National Association for their abusive, deceptive, and unfair collection practices in the collection of extensions of credit. In a conspiracy with the consumer reporting agencies to cause a restraint of trade and commerce, this debt collector has engaged in racketeering activity. I have never given this company any consent to be in possession of my nonpublic personal information. I disaffirm any alleged agreement or contract between I, the consumer, and the original creditor, whether implied or explicit. This account is a billing error. 
I XXXX XXXX XXXX a natural person, consumer am aware that my consumer report is being used to conspire against my lawful rights. I have recently looked over account # XXXX and found some discrepancies fraudulently furnished and erroneously billed. As I just overcome Covid-19 illness, I have contacted US Bank National Association in association with account # XXXX. Not only has US Bank National Association omitted information regarding COVID-19 Cares Act, they discriminated against me without allowing account to be rectified. 

US Bank National Association has been put on notice XX/XX/2022 via certified tracking mailing United states Postal Service. According to United States Postal Service certified tracking systems, US bank National Association billing department, CFO and CEO, received notice XX/XX/2022 at XXXX ; XXXX, XX/XX/2022 at XXXX at XXXX. 
Upon receiving my letter of billing error dispute and breach of fiduciary duty for US Bank National Association, their Chief Financial XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX fail to honor my request and send documentary evidence of accounting. Under the Fair Credit Billing Act under section XXXX of XXXX XXXX, I am aware that a creditor must make appropriate corrections in the account of the obligor, including the crediting of any finance charges on amounts erroneously billed, and transmit to the obligor a notification of such corrections and the creditors explanation of any change in the amount indicated by the obligor. ( 2 ) any such change is made and the obligor so requests, copies of documentary evidence of the obligors indebtedness ; or ( ii ) send a written explanation or clarification to the obligor, after having conducted an investigation, setting forth to the extent applicable the reasons why the creditor believes the account of the obligor was correctly shown in the statement and, upon request of the obligor, provide copies of documentary evidence of the obligors indebtedness. In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed, or otherwise sent to the obligor and provides the obligor with a statement of such determination. 
( US Bank National Association ) has breached their fiduciary duty by disclosing negative information, not required by law, to disclose and operating in bad faith. I have never and would never consent to the disclosure of any negative information to any nonaffiliated third party. I was never provided an explanation of how this could negatively affect me or how I could opt out of the disclosure of my nonpublic personal information. 
It has come to my attention on XXXX that US Bank National Association has willfully engaged in sharing my non-public personal information with the consumer reporting agencies without my lawful consent. This has been proven that US Bank National Association has been unjustly enriched due to undue influence. Every payment made to this account was a result of threat duress and coercion. This fraudulently furnished negative information violates XXXX, FCRA, XXXX, XXXX, the XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX FTC XXXX and XXXX Act. 
US Bank National Association and the consumer reporting agencies are fraudulently reporting inaccurate information with the intent to defame my financial reputation as well as exhort repayment on extensions of credit. US Bank National Association has reported account # XXXX has been late 90-120 days and that indeed is inaccurate and false. Also I am aware that Pursuant to billing error 15 USC 1666 within 30 days an investigation of dispute should be the required time needed to complete the billing error dispute. This billing error was not resolved and violates the false claims act and is jeopardizing my consumer credit reputation with other financial institutions by fraudulently furnishing this alleged debt to coerce payment. Any payments made or future payments are a result of threat, duress, and coercion, due to undue influence. 
As a federally protected consumer, who does not need to pay, the creditor can not restrict, accelerate payment, close an account and or make or threaten any adverse reporting to any person about the consumer 's credit standing without resolving the billing error. 
Us Bank National Association reportedly closed my account on XX/XX/2022 without resolving the billing error dispute. Us Bank National Association conspired with Consumer Reporting agency to conspire and discriminate upon me for exercising my rights.

US Bank National Association along with the help of the Consumer Reporting Agencies are knowingly and willingly committing aggravated identity theft to collect on an extension of credit and punish me for non-repayment thereof. This is a violation of 18 U.S. Code 1028A and 18 U.S. Code 894 and everyone involved shall be held criminally liable for engaging in racketeering activity. 
I am aware that US Bank National Association reported to consumer reporting agency that account # XXXX was late XXXX days as well as closed my account without notifying me of such information. 
Under the FCRA, XXXX XXXX XXXX ( d ) ( XXXX ) ( A ) ( i ) states that because information solely as a transaction or experiences between the consumer and the person making the report should be EXCLUDED from a consumer report. XXXX Bank furnished account # XXXX was late XXXX days and that in fact is inaccurate due to the dates that certified tracking mail was sent out. Upon notification of tracking information, it has not been XXXX days since Billing error dispute resolution.

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