Consumer complaint received 2020-12-25
Company: U.S. BANCORP
State: ME
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
This is a new complaint against U.S. Bank, as well as a follow-up complaint to U.S. Banks XX/XX/2020 response to my initial complaint against U.S. Bank.

In U.S. Banks XX/XX/2020 response to my initial complaint, the representative states, The account was transferred to our Recovery Department where it was placed with an agency by the name of XXXX XXXX for collections ; however, the account is now being handled directly by U.S. Bank. On XX/XX/2020, after receiving U.S. Banks XX/XX/2020 response to my initial complaint, I contacted U.S. Bank and informed a U.S. Bank representative that I had made a settlement agreement with XXXX XXXX. The U.S. Bank representative informed me that U.S. Banks XX/XX/2020 letter in response to my complaint that states the account is now being handled directly by U.S. Bank is incorrect and that the account is currently with XXXX XXXX. 

My payment to XXXX XXXX is due XX/XX/2020. I received XXXX XXXX written settlement agreement today, XX/XX/2020, after contacting U.S. Bank and speaking to a U.S. Bank representative on XX/XX/2020, and would have been able to secure the funds to send payment to XXXX XXXX by XX/XX/2020, but now I can not do so because I do not know who has the account because of U.S. Banks contradictory verbal and written statements. 

I contacted XXXX XXXX on XX/XX/2020 to advise them of the problems U.S. Bank is currently causing, and I was able to only leave a recorded message. I contacted U.S. Bank several times again on XX/XX/2020 to request a written letter confirming that XXXX XXXX has the account and not U.S. Bank, and no one answered the phone.

Once again, U.S. Bank is causing problems getting this account settled and closed. U.S. Bank continues to provide inaccurate and contradictory information, and can not be trusted. 

The following are my responses to U.S. Banks XX/XX/2020 response to my initial complaint. 

U.S. Banks letter dated XX/XX/2020, in response to my complaint, states, The responsibility of making timely payments per the terms of the settlement agreement that were discussed with you ... remains with the account owner. It was U.S. Banks responsibility to provide a written accurate settlement agreement, which it did not. It was U.S. Banks responsibility to provide a written amended accurate settlement agreement, which it did not. It is absurd for U.S. Bank to expect any settlement payment without providing a written accurate settlement agreement.

U.S. Bank should have provided me with a written accurate settlement agreement, but they did not. I was told by U.S. Bank representatives that U.S. Bank is unable to regenerate written settlement agreements. Now, after I filed a complaint against U.S. Bank, suddenly U.S. Bank is able to provide a written settlement agreement. Interestingly, the XX/XX/2020 written settlement agreement U.S. Bank provided on XX/XX/2020 in response my complaint is incomplete and contains page 1 of 3 only.

In U.S. Banks XX/XX/2020 response to my complaint, the U.S. Bank representative stated, On XX/XX/XXXX, you requested an extension of the settlement as you were unable to pay and wanted a new start date of XX/XX/XXXX. XXXX Bank wanted the entire settlement amount paid by XX/XX/XXXX, in one months time, still without having provided a written accurate settlement agreement, and I informed them I could not pay the full amount in XXXX month at that time.

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