Consumer complaint received 2015-04-04
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CO)

XXXX, CO XXXX XXXX XXXXDear Sir/Madam, I am herewith to file a complaint against US bank. They have been unethical, and uncooperative, used harassment tactics and used their credit reporting power to intimidate, and harass me. I have tried to talk to them but they refused to listen. 
In XXXX XXXX, XXXX I became XXXX and was admitted to the hospital with a XXXX XXXX. While in the hospital, I missed a payment, but made a full XXXX payments after released from the hospital. Most of my creditors were cooperative and worked with me. I have been very diligent and responsible in meeting all my obligations. US bank was the only bank that showed me a hostile and threatening behavior, and forced me to make some tough financial decisions to meet their demands. 
In XXXX XXXX, XXXX, I submitted my payment, through the bank 's online payment system ( that was the method I have made my payments since I leased my vehicle from them ). For some reason, they charged my account for XXXX payments, and I found personal account in the negative, after I paid other bills. I called my bank, XXXX XXXX, and advised that US bank should have taken XXXX payment, not XXXX. XXXX XXXX advised that I need to contact US Bank, if I need resolution in XXXX hours, otherwise, it will take at - least 2 weeks to get the matter resolved at XXXX XXXX. I immediately contacted US Bank, and was on the phone for XXXX minutes, and was advised the matter was resolved. 
On XXXX XXXX, I received a call from US Bank collection advising that my account was in default, I explained to the lady of the error made, and I have authorized XXXX payment to be processed, and will make the XXXX payment shortly. She was rude, and uncooperative stating that they do not make mistakes, and refused to review my submission information in their data base, stating that a late payment will be reported. I was frustrated as we were not getting anywhere in the conversation, and advised her that her actions were not fair and/or ethical. I called a few days later, and talked to a gentleman, who advised that he sees where the XXXX payments were made, and a correction was processed, but was not done right. He asked me to make a payment on that date, which was a XXXX payment on the account, after I had made a payment online prior to my call. He promised that he would advise collection to remove the late payment reporting. That late reporting was never removed, but they kept adding to it every month. The lease expired on XXXX XXXX, and I was attempting to purchase the car, since I had exceeded my allowed mileage, and knew it was my best option. I contacted my dealership ( XXXX in XXXX Colorado ), and was working with them to purchase the car. A US bank representative called and stated that I still owe {$320.00} on the lease. I advised the lease expired and I am attempting to purchase the call. To avoid arguing with him, I paid the amount he requested. On XXXX XXXX, XXXX I received another call from US Bank requesting {$1000.00} payment, I advised the lady on the phone that I have called US Bank and advised that I will purchase the car, I also called their vendor company, who are required to inspect the car if being returned and advised that I will purchase the car, and working with the dealership, to inspect the car, complete used car certification, so I could refinance the vehicle. I was very disappointed, and advised the lady that I will be reporting this unethical behavior to your esteemed agency. I received a call from my dealership, advising that a negative remark, by US Bank has been reported on my credit, " Negative Installment Trade '', which makes the refinancing more difficult. He requested a {$5000.00} down to be able to finance the car. 
This practice has caused me financial challenges, added severe stress to an ailing heath conditions, which I have sh