Consumer complaint received 2018-04-14
Company: U.S. BANCORP
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
My name is XXXX XXXX. I work as a XXXX XXXX in an XXXX XXXX. I wanted to retire in one year and be able to travel. I lost my husband 39 years XX/XX/XXXX I only have one income coming in to my household. Currently, my credit score that had been almost perfect all these years is now at XXXX due to US Bank and XXXX XXXX causing A default on the loan where I bought a camper. I purchased a XXXX XXXX  XXXX XXXX camper on XX/XX/XXXX. That was one bad decision that I regret deeply. I took the camper camping first week in XX/XX/XXXX that weekend it rained and it rained inside the camper in three different locations. XX/XX/XXXX I returned my camper back to XXXX  XXXX  of XXXX XXXX and they said that they did not want to check the camper out for leaks that all new campers typically leak. I left the camper with XXXX   XXXX on XX/XX/XXXX. XXXX XXXX reported that they did not find anything wrong with the camper and I needed to come back And pick the camper up. I refused to go and pick up the camper because I felt like XXXX XXXX should compensate me for a camper that Leaked in three different places, the first time that I took it camping. Meanwhile, I write reports to the XXXX XXXX XXXX and they told me to take XXXX XXXX to small claims court. The whole time I notified U.S. Bank know that I did not have possession of the camper XXXX  XXXX  had possession of the camper. However, after months of me refusing to make payments on a camper that leaked and XXXX XXXX would not say my camper had a leak. XXXX XXXX would not negotiate with me. Therefore, XXXX XXXX  and US Bank in cooperation with each other charged off my loan. Keep in mind I sent in records I sent documents to US bank and their consumer affairs person she would respond back by writing me a letter back insinuating that XXXX  XXXX should be making the payments on the loan. 
U.S. Bank and XXXX XXXX or in collaboration against me in saying that I default ed on this loan. Now the loan is in collections and they are asking for {$26000.00} for a camper that has set out in the open at XXXX XXXX for four months. The camper is in bad shape and you can see where XXXX XXXX re-sealed the camper and when I went to pick the camper up it had a flat tire the bolts on it had rusted and you could tell that it had been out in the weather. I spoke to XXXX in the loss prevention team and tried to negotiate a price on the camper and to keep my credit to the good but he would not negotiate with me. This camper is not worth {$26000.00}. XXXX XXXX and US Bank has made my credit bad when I only had this camper from XX/XX/XXXX to XX/XX/XXXX. I only used this camper one time and took it directly back to XXXX XXXX. XXXX XXXX   should have to compensate me and compensate US Bank. This is in injustice this is bad business with XXXX XXXX  and US Bank. As a consumer I was not satisfied with my camper. I have videos I have witnesses that will verify that this camper did leak. The purchase price of the camper was {$25000.00}. I have offered a price to XXXX who works on the prevention team. He has not tried to prevent this camper from being turned into a repossession. It would seem to be obvious that my situation is not of my doing XXXX XXXX of XXXX XXXX and U.S. Bank are just as much responsible for this situation as I am why should I pay {$26000.00} for a camper that typically leaks. 
I would love to rectify this situation and I'm going to do everything within my power to keep XXXX   XXXX  and U.S. Bank from ruining my credit. I have not received any letters from U S Bank telling me about my account being charged off. I called the bank and they told me I could no longer make a payment. The bank had charged off-the account and I wasn't even told that it was being charged off. All I'm saying if I was informed that it was going to be charged off I would have made an effort to bring up the late payments on the camper I wasn't even given a chance to prevent my credit from being ruined. Presently I am being informed that the camper will be repossessed and I will be responsible for the remaining balance. Considering this situation I am asking US Bank CEO President to intervene on my behalf and allow me some leniency. Allow me to keep my credit-allow me to negotiate a price on the camper. 

Tired, disgusted, frustrated, at my age caught up in a bad situation. 

Respectfully and sincerely yours, XXXX XXXX XXXX.

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