Consumer complaint received 2020-11-06
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Company advised provide call log where they called me and they would fix yet havent still Ive been a customer for over 7 years never once 30 days late. They violated their covid 19 agreement whereas I was advised XXXX and XX/XX/2020 would be reset to {$0.00} additionally o paid my account off completely XX/XX/XXXX Those of the specifics Now to the problem : initially they were reporting 120 days past due on 2 of my 3 credit reports they stated that never happened they would never make that mistake I then sent them copies of the reports and magically they got adjusted to 90. I again wrote them told them about the 90 I was again told the same again I had to send proof then it was updated to 60 but all remarks states 90-120 days to this day. Then I was advised that I never spoke to anyone they didnt directly call me a liar but pretty much indirectly I advised them repeatedly of their error and that I have been a customer for 7 years with no issues on my end prior to the request for pandemic assistance which is the part that really makes me sick to my stomach with this company. Its ok to make mistakes especially during a time of massive uncertainty and wide scaled communications and shifts in policies but to treat your customers like scum thats disgusting. As if this wasnt enough they did decide to communicate with me from their secured oop head via email again the company never makes mistakes atleast that refuses to own it sent me 3 different sensitive communications meant for other customers directly from their executive team which shows not only do mistakes happen but they happen at the highest level. You have cost me thousands from closed accounts and decreased credit lines. You have also caused me significant financial distress and occupied large amounts of my time to dispute something that would have and should have been an easy correction. You further add on to that by insulting me indirectly and passive aggressive phone calls where your own executive members cant keep their composure long enough to articulate a proper sentence or allow the customer to finish speaking before they talk over them. I said I have exhausted every effort I tried to resolve amicably advised if I could not get proper professional service o would have to explore legal remedies well they didnt like that very much because then they filtered me as bankruptcy customer when I called no one would speak to me I was shunned past around like a hockey puck from department to the next each of which found a unique way to be even more rude then the last which I found quite mesmerizing as to how that was possible. To be clear you ruined my financial life I am simply reacting to such. Since I was contacted yet again by your executive team this week that yet again called me a liar and said you never called me I took the liberty of uploading one of several inbound calls. Per my previously 21 communications much like everyone else is the country I was making every reasonable effort to ensure that I prepared and adapted to uncertainty of the pandemic. This account was late however it was 13 days late while I reached out to all creditors in order of importance and balance this was the smallest balance I have both monthly and minute in total at $ XXXX+ During the collections call I advised that I already had a prexisting dispute on file and I was escalated to a supervisor with whom advised he would look into my account further however in the interim the proper measures were taken to ensure account was reset to XXXX Again I had the funds to pay this clear as day but made the exact same arrangement with every creditor until I knew more all in the same 2 days. I paid this account in full the very next month so clearly with my 7 years of never being 30 days late my attached call logs my ability to pay the whole balance let alone the little $ XXXX monthly this was absolutely not only a massive miscommunication and error it was beyond disappointing the level of service received

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