Consumer complaint received 2020-09-30
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:
The following complaint was disputed numerous times directly with US Bank National Association. I have sent certified mail correspondence, emails to XXXX, XXXX XXXX, their executive and relations teams as well as their CEO. These were all filtered by their executive assistant ( s ). 

I received personal and sensitive information other regards to multiple other customers demonstrating their lack of transparency in their misdirections and lack of accountability in acknowledging errors on behalf of their team at the highest levels. 

I was a prior secured card holder that has long since been closed. I was contacted by them during a collections call with regards to a small balance reflecting due which I was under the impression again from their miscommunications was paid. The supervisor advised the account was being enrolled in Covid assistance and that my complaints and documented dispute would be notated on file and escalated accordingly with a follow thereafter. 

I received a response from this unscrupulous institution today in regards to the fact they pushed my account to the bankruptcy department when I continued call to follow up. Their rationale for such is that I advised if their MISTAKE was not corrected I would pursue legal action and wanted their arbitration contact and legal counsel which the rep refused to provide me with. This conversation took place on XX/XX/2020 days after my payment to pay the account off in full which took place of XX/XX/2020. They further stated that the findings are valid and it was investigated I need to provide additional information heres the information for you- I have been a customer for 6 years never once 30 days late. I advised there was a dispute on file. I was contacted by your Supervisors three times. They stated the account was on a 2 month billing cycle extension. Prior to the end of the 2nd month I paid this account in full completely. This was a very minute amount that I was clearly quoted capable of paying in a flash. My long standing history of never having a 30 day the multiple calls to me from your company including higher level supervisors. My payment physically clearing my bank when your office is not even open clearly shows you have your dates in error. My call on XX/XX/XXXX was to follow up as I advised the rep about my credit report error and that I previously disputed the amount due if you listen to the recorded call which will be requested in arbitration or trial the exact conversation was will I get th e money back if ruled in my favor and when will this be removed from my credit.

The rep stated there is not much info being made available to employees from the executive level about covid so she couldnt tell me one way or the other at which time I advised if this ABSOLUTE error is not fixed I want legal or arbitration immediately. She scoffed got rude and I hung up on because her service much like the rest of your company was beyond reproach in a negative way. 

I dont owe you anything Ive never been 30 days late ever with you and clearly was advised this was on a two month billing cycle extension and clearly paid during 2nd month furthermore your untrained reps also stated you dont even report 30 days when I inquired you report after 60 days so go back to the drawing board provide the proper training. Give me your legal counsel information immediately your contract states request in writing I have requested it 21 times since XXXX XX/XX/2020 to include directly with your executive office. In case you were not aware you have an ethical obligation to do so. 

Im telling you again the information is absolutely inaccurate I have been very diligent with my arrangements prior to and since the arrangement. I have been referred to bankruptcy because I requested arbitration? Your policies are absurd- not even close go listen to all your calls I have been hung up on countless times your reps have been monumentally unprofessional and each of which stating something different with no clue what to say If this is not fixed yes I will exhaust every legal recourse because it is wrong you cost me signicant fonancial harm I have lost several limits and accounts because of this and I will pursue damages for time spent and impact. I will also be including the incompetence at the highest level and the compromised personal accounts of several of your consumers by XX/XX/2020 on various platforms. 

Highly unethical - YOU ARE WRONG at first I chalked it up as a simple error during a difficult time that happens even with the setbacks it presented to me unjustly your lack of action, attacks, lack of professionalism, clear history of never having a similar circumstance and the fact that this is clearly paid in 2nd month made it worse. Then it was reported 90 days late twice which you stated it wasnt and I proved you wrong on that it actually still is on XX/XX/XXXX as of XXXX pst XXXX XX/XX/2020 2020

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