Consumer complaint received 2019-10-15
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:
Dear US BANK I am writing to dispute the following information that appears on my consumer report : Late payments based on fraud charge/possible intentional non contact regarding account Account Number or other information to identify account : Source of dispute information : Us Bank Type of disputed information : Late payments on unauthorized charge. Was not notified of late status. 
Dates associated with item being disputed : XX/XX/XXXX Explanation of item being disputed : Charge was not authorized by me. Subscription to XXXX XXXX   was cancelled and XXXX was sold. Account had to have been accessed and card was still on file. I was not contacted regarding the charge or any of the late fees. When I locked my card/filed the fraud I instantly got notification but not when the account was delinquent. Intentionally did not attempt to contact me to run the charge from $ XXXX- {$170.00}. The only way that I found out about this charge was when It hit my credit report and now they are refusing to remove the information from my report. 
I have had nothing but issues with this institution since XXXX. I put my paycheck into Us Banks ATM and THEIR piece of hardware malfunctioned and gave me a receipt stating my transaction could not be processed. I went into the branch and they did nothing for me, not even a provisional credit to my account so I could pay the rent that was due the following day. I had record of depositing this amount if not more every time I got paid and had the stub of the check. If I had not had friends who had money at the time, I would have been kicked out of my house to the street and US Bank did not care. 
After this I asked them to cancel my checking account because it pissed me off so bad. I was told I had to wait until the process was complete and my account was never cancelled like I had requested. I do not have any issues with my other financial institutions and am contacted if anything is late. My payment history is not questionable. 
So now this comes up in the middle of me applying for jobs that run credit checks, and here we go again with this institution. I called and even spoke to a supervisor and once again this institution does not care about the fact they are going to cost me more than the money value on the account even when I let them know I would pay for the fraudulent charges and just want the report to be fixed. Unfortunate and unsatisfactory that I have had to deal with issues multiple times when the simple solution would be to remedy the problem immediately. You can report that it was incorrect just like you reported it to the creditors, so please stop lying to me when I contact you. I left this account open because it was my oldest line of credit and now, I am kicking myself for ever doing business with US Bank. I apologize if this comes off rude and is not a personal attack to whomever is reading this. I just want it to be made right.

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