Consumer complaint received 2018-05-07
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: Account status incorrect

Complaint:
At the beginning of XX/XX/XXXX I was slightly behind on my mortgage and had I contacted XXXX XXXX XXXX XXXX where I have my VA home loan and asked about a any payment options available. I spoke with a female that told me there were no options other than paying the entire amount that day which was not at possible. I made the payment at the time I was able to and the mortgage continued behind. In XX/XX/XXXX I spoke called again just wanting to get the payment caught up and spoke with a male that told me I could do a repayment program which would have been nice to do in XX/XX/XXXX before it got more behind but was told there were no options. My typical monthly payment was {$860.00}. XXXX. On XX/XX/XXXX I agreed to pay {$1200.00} which I paid XX/XX/XXXX and would pay {$1200.00} also in XX/XX/XXXX & XX/XX/XXXX by the XX/XX/XXXX as the male told me and would pay {$1200.00} ( appr {$6.00} less ) in XX/XX/XXXX and then would be caught up. I was also sent a letter in the mail with this agreement yet never told that this would cause them to report delinquency to the credit bureau. On the acct I also have SCRA benefits applied. On XX/XX/XXXX I called to make the next payment and the payment arrangement had been randomly cancelled. The gentleman redid the arrangement and told me that the only change was that the XX/XX/XXXX payment of XXXX had been changed to the XX/XX/XXXX payment and I would pay the XXXX in XX/XX/XXXX which didn't seem like a big deal until I was reported to all 3 credit bureaus as being 60 days delinquent in XX/XX/XXXX due to the {$6.00}. I called on XX/XX/XXXX to make a payment and ask about the 60 day delinquency and was told that because I paid the XXXX and not the XXXX I was {$6.00} short so it was 60 days late because of the 6 days and my payment arrangement had been cancelled again. Whatever the mishap or computer glich was the man I spoke with in XX/XX/XXXX made a mistake when he switched them yet they did not care. At that point I paid the {$6.00}. XXXX and took out a high interest loan to get the rest of my mortgage caught up in which I paid {$1700.00} XX/XX/XXXX catching the payments up before it was another 30 days late. The XX/XX/XXXX payment was both reflected as per my bank acct and also shows paid on line on XX/XX/XXXX so it was not 30 days late for XXXX and it also paid the XX/XX/XXXX payment. The reason this payment was originally late is because I had a change from my XXXX XXXX orders to school orders for 2 weeks and then back to my XXXX XXXX XXXX. When my order switched for me to go to my required XXXX refresher course for my military job it XXXX my pay up in which I was not paid for almost a full month. XXXX XXXX XXXX has refused to take the late payment off all 3 of my credit reports for XXXX because it was not 30 days late and will not at least correct the XX/XX/XXXX delinquency reported to all 3 credit reporting agencies to 30 day rather than 60 when it was their {$6.00} error that made me 60 days rather than 30 days late. If I would have been originally been offered the payment plan when I first called it would have never been more than 30 days late in the first place. On XX/XX/XXXX they then sent me a check for XXXX for an over payment from several months prior that would have covered the {$6.00}. I just want all 3 of my credit reports to be corrected so it they accurately reflect that the XX/XX/XXXX payment was not late and that XX/XX/XXXX ( due to their mistake ) was only 30 days late but they are not willing to help or work with me at all.

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