Consumer complaint received 2015-10-20
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Billing statement

Complaint:
Dispute of past due reports on our XXXX Business card from : XXXX BANKPO BOX XXXX XXXX, MO XXXX a number of years, every month I receive an identical email notice from US Bank stating the following : ****************************************************************Account Number ending in XXXX Online Statement through XXXX/XXXX/XXXX is now available. To view, log in to U.S. Bank XXXX Banking at XXXX. 
Please do not respond to this message. If you would like to contact us, please log in to U.S. Bank Online Banking at usbank.com and send a message to Customer Service. 
You are receiving this email because you signed up for alerts through U.S. Bank Online Banking. If you no longer wish to receive this alert, log in to U.S. Bank Online Banking at usbank.com to temporarily disable or permanently delete this alert. 

U.S. Bank Online BankingXXXXIn response to this notice each month I attempted to follow up with U.S. Bank Online Banking at usbank.com. Each time I received the same message : Sorry, our system is currently unavailable. Please try againOn occasion I did call the bank to inquire about my balance and was assured it was XXXX. Therefore, each month, since I had not used this account, I did not feel it was necessary to call US Bank to learn that I owed nothing. 

The following shows my account balances as reported by the bank to the credit bureau for eight months : XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX XXXX $ XXXX starting in XXXX they reported the following : XXXX XXXX $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX XXXX : $ XXXX for months I 've received an email alert from US Bank even though I owed them nothing. Apparently in XXXX of this year they charged me their annual fee of {$39.00}. All I received was the same generic alert ( shown above ). Each month after that I received the same notice with NO indication my payment was delinquent. The bank never directly contacted me that a payment was past due by any other means. With my numerous other credit cards I normally receive a phone call, mailed notice and/or an email indicating that I had a past due balance. According to the Fair Credit Billing Act ( FCBA ) US Bank is obligated to provide me a statement for each billing period in which I owe more than XXXX dollar or on which I have been charged a finance charge - No such notice was given by US Bank! Instead each month they just added on a late fee without any indication to me that a payment was past due. While neglecting to inform me, they did not miss the opportunity to tell the credit bureaus. 

Now I 'm told that XXXX wife 's and my credit score or so low that purchasing a new home is not possible - This is a direct result of US Bank. 

In an hour long conversation with US Bank they did finally agreed to eliminate all the late charges and I paid the {$39.00} annual fee. However, they refused to take any steps to correct their delinquent payment reports to the XXXX credit bureaus. I filled an appeal with the credit bureaus and US Bank continues to refuse to remove the dings to our credit reportMy wife and I wish to re-establish our good credit. We should not be penalized by US Bank 's poor business practice and systems.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief