Consumer complaint received 2016-02-18
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
It is my opinion, and several US bank employees, that my loan account was not handled correctly, expressly from XX/XX/2009 and on. Us bank claimed that I missed a payment ; when we asked what payment is missing, we have been negligently misled and misinformed all the way to the end of the loan term. Each payment US bank stated was missing we proved them incorrect with documentation, then when we would provide the proof, they would state that is n't the cause of the missing payment. An automatic payment needed to be changed due to a Bank change, our bank was sold, and US Bank did not process the form I sent in at their request. A loan extension was not properly processed, a two month extension was processed as a one month extension and later corrected when we provided proofs multiple times. After the loan matured, we received a bill that to this date can not be explained by anyone at US Bank. I paid the late fees I am responsible for, and I have requested that they resolve the late fees they have generated by the mismanagement of the account from 2009 forward. The remaining unpaid balance on the loan has yet to be explained, except for yesterday when I was told it was the extended two payments, which were paid at the end of the loan term. The contract they have provided is not the contract I signed, I have the original carbon copy form, so I want to know what legal grounds they have for a remaining balance when all the installments have been paid and accounted for. I have been reaching out to US bank customer service, to our bank manager and other banking departments including recent letters to the bank president with very direct questions and response come, delayed, without answering the direct questions and specifically not answering questions multiple times from myself and the bank manager. US bank has damaged me furthermore by charging off this loan in XX/XX/XXXX when they were fully aware that there were unresolved questions on the final bill that they did not address. This charge off has affected my credit, which has affected my business as I lost my preferred rate for my contractor 's bond, let alone their incorrect reporting of the loan being late when it was US bank that handled our loan negligently. 
We respectfully request assistance in getting us an accurate final bill per the terms of the loan, Get us a copy of the legal and binding contract for this loan, Get us our signed off Title for this paid off vehicle, Require US Bank to reverse their charge off and clear their incorrect late payment reporting due to US bank 's loosing negligence, get US bank to remove all Late fees they are responsible for due to their negligent and incorrect servicing of our loan. We are including letters we have recently sent and US Bank 's responses. We have requested copies of transcripts from US Bank that records the historical events of the phone conversations and notes from US bank that proves not only their negligence, but arrogance by calling me " some kind of stupid ''. I believe the improper training and lack of supervisors with authority to make corrections are on purpose to squeeze more fees and money out of customers ; the response to my request for copies was that I " would have to sue US bank '' for those. 
thank you in advance for your time.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation