Consumer complaint received 2022-01-15
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am challenging and disputing that I am the owner ( their records show that I am a joint owner along with my husband, who passed away XXXX months ago ) on a XXXX XXXX XXXX. On XX/XX/XXXX, I called The credit card company to inform them that my husband passed away. They told me that I am a joint owner and responsible for the account balance. I immediately disputed that with them. ( Please note that my social security number is not on their records. They only had my husbands social security number. As of approximately XX/XX/XXXX, they have removed my husbands name and social security number from the account, probably after verifying that he passed away. Now they have me listed as the only owner and no social security number on the account ). At the time of my initial call the payment due XX/XX/XXXX was outstanding, I informed them that I would not make that payment, which I did not feel that I was responsible for, until I heard from them after they researched my inquiry. If at that time they could prove that I also applied for the credit card I would make the payment. I told them that I never applied, or provided my signed authorization to be a co-applicant or joint owner on this credit card. At some point my husband gave them authorization for me to be an authorized user only. I believe when the information was entered into their system, the data was incorrectly entered as a joint owner instead of an authorized user. I immediately filed a dispute through XXXX Credit Bureau, The credit card company responded back to XXXX that the account remains as is. I never received any written acknowledgment from The company directly pertaining to my initial inquiry to them on XX/XX/XXXX. I have continued to call the company to continue to dispute this, I have been transferred to many departments, I hope they have notated the account accordingly. On XX/XX/XXXX, I requested a copy of the application or document showing who applied for the account and more importantly that I applied, for my review. On XX/XX/XXXX, I decided to make payments on the account after discussing with a supervisor in the complaint department.I told her that my concern was if I make payments and it is confirmed that I am not an owner of the account that I will not be reimbursed for the payments made. She assured me that if what I have stated is confirmed that I would be reimbursed for any payments made. On that day, I made the XXXX and XXXX payments in the amount of {$310.00} over the phone with the supervisor. I also told her that I was concerned if the payments were showing late/past due on my credit report and if so would they correct under the circumstances. She said their records did not show that a late payment had been reported to the credit bureaus. I thought that was strange if they reported to the credit bureaus on a monthly basis, but she assured me of this. The company did waive two late fees on the account. On XX/XX/XXXX, I called in and made the XXXX payment in the amount of {$180.00}. I finally received a letter from Elan dated XX/XX/XXXX which says that due to the age of the account the information is not available. Their records show that the account has been open since XX/XX/XXXX. On XX/XX/XXXX, I called in and made the XX/XX/XXXX payment in the amount of {$190.00}. I continue to make the payments so their is no negative impact to my credit. On XX/XX/XXXX and XX/XX/XXXX, I received two Emails from XXXX Credit Bureau to review my report due to recent changes. My credit report now shows that the credit card company has reported a late payment, I believe this was reflected as of XX/XX/XXXX. As a result of the late payment, my credit score has dropped by XXXX points. I called the company on XX/XX/XXXX to discuss this and asked if they would submit an XXXX or whatever needs to be submitted to the credit bureaus to remove the late payment information. I was told that they do not do that but I was provided with a telephone number to call and dispute. I assumed the number was to their dispute department. I called the number, explained the history of my complaint, provided the representative with all of my personal information only to find out at the end of the call that they are not a part of The company. The number given to me was to a Credit Repair company and they requested a hefty fee to challenge this on my behalf. I told them that I was not interested and now concerned that I have provided them with my personal information. They assured me that my information is confidential and protected. I am disappointed that the representative with the credit card company did not tell me who the company was when they gave me the phone number. At this time, I am requesting that the credit card company review their records again and all of the information that I have provided and remove me from the account as the owner. I should not be responsible for the account balance. Also, to update my credit report accordingly and to remove any late payment and any negative impact. I am also requesting to be reimbursed for the payments made to date which totals {$690.00}. Again, I need to point out that my social security number is not on file because I never applied to be a co-applicant or joint owner on the credit card. Sincerely,

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