Consumer complaint received 2016-04-30
Company: U.S. BANCORP
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/XXXX I bought a jeep and financed with US Bank. XX/XX/XXXX, I refinanced with XXXX XXXX. I mailed the payoff check with my account number on the check to US Bank to the address that I always sent my payments to. 

Well, US Bank never cashed the check. They said they never received a check. I had the receipt from the post office with the tracking number that said the check was delivered on the third day after mailing it. 

Since they never cashed the check, and I had refinanced thru XXXX XXXX, I was told by US Bank that I needed to make payments to them and at the same time make payments to XXXX XXXX. Well, that just was not a option so I made my monthly payment to XXXX XXXX since they would be my new Lien holder.. 

The people at XXXX XXXX were very helpful and knew what was going on they wanted to help but there was nothing they could do until after a certain number of days to make sure the check was n't cashed. 

Then finally those days past, US Bank still never cashed the check. So I went to XXXX XXXX and signed a bond for them to cancel and issue a XXXX check.. 

Two days after I signed the bond, XXXX XXXX calls me and tells me they received a letter with the check that I mailed to US Bank. The letter was addressed to me a XXXX XXXX. The reason it took so long to locate the check was because nobody with my name worked at XXXX XXXX. 

Some how they opened the mysterious letter and figured it out. The letter that was included with the returned check said they could not apply the pay off check to my loan account because I mailed the check to the account payment address and not to the pay off address. 

Now, after about three months later and finally receiving the returned check that I canceled just days before.. US Bank added several late fees and other charges to my account that I did n't feel was fair. 

Had the person that received the pay off check applied the check to the account, it would not have been late. If that person would have mailed the payoff check to the payoff address instead of returning the check to XXXX XXXX, it would not have been late. 

Finally after talking to the guy at US Bank and emailing him copies of my paperwork and payoff check, I was told that they would remove the fees that were added to the account. 

They removed the fees but did not fix the late payments showing on my credit reports. On my credit report it shows the account status as a PAID CHARGE OFF. But it was not a charge off, it was paid off and all payments were on time. 

XX/XX/XXXX, four years later it still shows as a CHARGE OFF, so I disputed the charge off. Now, the updated the status from charge off a few years ago. Now it says CHARGE OFF IN XXXX XXXX. 

I tried again this month to dispute the charge off. And US Bank reported back to the dispute that the information is reported correct and remains CHARGE OFF IN XXXX XXXX.

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