Consumer complaint received 2015-07-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (KY)

I opened a checking account with U.S. Bank in XX/XX/XXXX ( 8 years ago ) with a small branch inside XXXX hospital because I worked in that hospital. I specifically opened an account that did not have a minimum balance requirement, as I was in college and did not have any money to spare. I only worked at this job for about a year and then closed the checking account, as I did not work there any longer. I have since moved to the XXXX area in XX/XX/XXXX and have never heard a thing from U.S. Bank since closing my checking account 8 years ago. I 'm in the process of purchasing a home and my mortgage lender told me there was a delinquency on a US Bank account that I needed to take care of, as I had n't paid my bill in over 6 months and it was taking a huge toll on my credit score. I had absolutely no idea what she was talking about, as I did not have a US Bank card to my knowledge. After numerous, numerous phone calls, we came to the conclusion that this checking account was never appropriately closed. US Bank decided to apply a new policy requiring a minimum balance to this checking account of mine that has n't been used in over 8 years and was still open, not to my knowledge. There was less than {$1.00} in the account apparently, and they decided to start charging my account $ XXXX without my knowledge. I did not receive XXXX phone call, email, letter in the mail, about this. I received nothing. They were tacking on late fees and not notifying me either. Again, after more phone calls, I found out that they have documentation stating all of the letters they sent out notifying me of the late fees were being sent back to them, as they did not have the correct address. They were sending it to an address that I have n't lived in in over 7 years. I have moved numerous times throughout the past years, but every time I move, I update the post office to forward my mail for a year. I did not update US Bank on my address changes, because I was unaware that the account was not closed. US Bank claims they attempted to call me XXXX about this. They had XXXX phone numbers on file. XXXX was my cell phone number, which has not changed in 15 years. The other was an old work number, from when I worked at XXXX hospital. They obviously did not get ahold of me on the old work phone, as again, I have n't worked there in 8 years. They never once called my cell phone. My primary phone number now, and primary phone number over the past 15 years. They never called. I attempted to speak with numerous supervisors and also the branch manager at XXXX hospital in which no one is willing to admit this is a bank error. I do not feel anyone appropriately followed up with me. No one called my cell phone and no one sent any mail to my primary residence, in which I own the home and have owned for over 5 years. I was willing to pay the fee, which is now {$170.00} if they removed the late fees from my credit report, as this issue has dropped my score over XXXX points! This could be a reason that I may not be able to get a home. I do not pay bills late, ever, and did not want this any more late than it already is, so I paid the {$170.00} to US Bank and they still did not compromise with me at all. I still have yet to receive a bill or any documentation stating why I owe this money, when this policy was put into place, why no one contacted my cell phone, when they started charging me, how much my late fees were, and the list goes on. I have not received anything, still. Someone also closed my account without my approval, after speaking with a supervisor named, XXXX, end of XXXX. This did not give me the opportunity to pay the bill without it being a " charge off '' on my credit, which it now is. US Bank is ruining my credit over something I had no control over. They are not appropriately documenting or following up with their customers!