Consumer complaint received 2023-08-14
Company: U.S. BANCORP
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
My name is XXXX XXXX. I am reaching out for help because US Bank whom I had XXXX credit cards with but paid off and closed in XXXX and XXXX continue to damage my credit report. About 5 years ago I became extremely ill and could not work for about 6 months. I had XXXX credit cards at the time, XXXX from US Bank. I called US Bank and explained my situation and asked them to please lower the high interest rates, they would not at all. I had to use my credit cards to survive. 

When I got better, the amounts were high and I had to figure out how to repair my financial situation so I reached out to a credit/debt support company, XXXX XXXX XXXX XXXX ) XXXX. They helped guide me to pay off agreed amount with the credit card companies. US Bank was quite difficult to work with even though I had been a good client of US Bank for over 15 years. I paid off all the agreed upon amounts and confirmed that my cards were closed. My other credit card company accepted and was professional. US Bank, even though they received all the money, continued and to this day continue to damage my credit. The " Debt '' section of US Bank Credit Cards, does not allow a person to call or even email with questions or to discuss. They only accept mailed letters. I have asked them in past to please drop their penalities on my credit through letters and they refused. I even hired XXXXXXXX XXXX ( financial assistance ) to help try to repair my credit but this was just money wasted trying to figure out how to repair my credit damage caused by US Bank Debt Section : XXXX Disputes for US Bank XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX On XX/XX/XXXX, I sent another certified letter that I still on XX/XX/XXXX have NOT received a written response back. I called the US credit card customer service and they told me that again she saw that the Debt section had rejected my request for them to please remove the damage and penalties to my credit as they were paid in full by XXXX. And again, I was told my only way that I can " talk '' to them is through lettered mail. This seems incredibly unjust to me as it keeps them on a pedestal where they can continue to not have to answer to customers they are penalizing unfairly as they just can ignore customers without real explanations if any at all. Basically, they just ignore and cause destruction to people 's financial credit and hope. And, this is exactly what they have done and as a result my credit score has continued to be damaged for years by them unjustly as like I said, they received all their money and I closed those credit card accounts years ago. 

I really appreciate your time and hope that you can help me. I feel like this in incredibly unfair and unjust. I look forward to hearing from you and am happy to answer any questions that you may have. 

Sincerely, 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 non-monetary relief