Consumer complaint received 2016-10-04
Company: U.S. BANCORP
State: MA
Product: Credit card
Issue: Other

Complaint:
I am writing to dispute unfair credit reporting practices carried out by your Middlesex Savings Bank College Rewards XXXX card. I am a hard working college student, balancing school, a XXXX, a XXXX and a XXXX at a XXXX. I am putting myself through college while paying all my own living expenses. Last year, though I did n't need a credit card to survive, I made a thoughtful decision to open XXXX so that at XXXX years old, I could begin to establish credit. I went through Middlesex Savings Bank since this was the bank I knew and trusted since opening a checking account at XXXX years old. Unfortunately, this is also the bank that has deceptively and carelessly tarnished my credit. Upon opening my card, I immediately set myself up with the free automated payment service that they provide. I did this because, again, I did not need the " income '' from the credit card, I wanted to use the card and pay the balance, on time, each and every month to build my credit. I opened the credit line in XXXX 2015 and my payments were deducted automatically in XXXX and XXXX. I was really surprised and frustrated when I received an email on XXXX XXXX, 2015, stating that my account was past due. I have a copy of this. The confusion stemmed from the fact that I had successfully been set up on the automated payment system. In an effort to fix this as soon as possible, I then went through the online system and took steps to get set up ( again ) with automatic payments. I was not able to do this because a message appeared stating : This account is already set up on AutoPay ( recurring payments ). Click View AutoPay to review the payment schedule set up. I have a copy of this to submit.. For a year now, I have continued to make timely and consistent payments each and every month. Sometimes I make two payments a month to keep my balance at XXXX. These payments are reflected on my summary separate from the monthly auto payments. I am not paying the minimum balance, I am is paying the balance in full every month. My auto payment took care of the situation and I moved on, keeping record of the error. I wrote to Middlesex Cardmember Service to dispute this because in the past two months, I tried to take out a car loan so that I can get myself to classes and my XXXX part time jobs. I also tried to purchase a cell phone through XXXX. I was unsuccessful with my phone purchase for XXXX reason. Middlesex Savings has made a derogatory claim on my credit report for a " missed payment '' last year in XXXX. I was extended a car loan, but with an outrageous amount of interest due to XXXX derogatory mark on my credit by their bank. Because I am so young, I have n't much credit. Only this credit card, which is erroneously reflecting a missed payment. This is not only unfair, but this is n't even my error. The error took place with their internal system. How disappointing that I opened this to build my credit ( and please look at my payment history!! ) and their error has done just the opposite. I sent a written dispute on XXXX XXXX and asked for them to contact me by XXXX XXXX to confirm that they understand the mistake they made and to correct this with the credit bureaus. I called yesterday to follow up and was placed on hold for XXXX minutes. After XXXX, I was prompted by a robot to press XXXX if I wanted to take their customer service survey. I pressed nothing and the call ended.

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