Consumer complaint received 2024-06-05
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP (WA)

I had requested a forbearance in XXXX it was granted from XX/XX/XXXX through XX/XX/XXXX. I called in XXXX of XXXX, as advised in XXXX to find out what my next steps were regarding the forbearance and to deferring to end of loan. The customer agent told me I couldn't do anything until the forbearance had ended and to call back the first week of XX/XX/XXXX I did that but in the meantime I received a letter in XXXX ( Dated XX/XX/XXXX ) that outlined my customer assistance options. I called again, to US Bank at the beginning of XXXX and they told me I could not make a decision and they couldn't process ANYTHING until the forbearance had ended at the end of XXXX and to call back in the first week of XXXX. So, I did so and during this call we went over new options and I didnt qualify for deferment, but qualified for a program called XXXX partial claim, which would act as XXXX in line when sell home, kind of like a XXXX mortgage, but advised no late fees, no payment due until XXXX, since they have to mail me papers to sign, notarized and send back via XXXX ( XXXX ). I was mailed overnight the documents And same day I had them notarized at US Bank and sent them back they received them and told me that it would be processed as soon as possible, but could take up to 30 days, and just to make sure I paid on-time beginning XX/XX/XXXX from letter dated XX/XX/XXXX. I made my XX/XX/XXXX payment on time, no late fees showing on my account, I dodnt get past due notices, etc ... none the wiser, and have been making payments on time since. 



I am in the process of getting a consumer loan and a XXXX Plus late pay was showing for my mortgage XXXX and XXXX of XXXX and US Bank customer service that I've talked to several times said that I did not make my payment for XXXX and XXXX and that the credit report was incorrectly showing so I disputed the credit report information and they sent me a letter Friday that I received today stating that the reporting in XXXX and XXXX is correct because I was in the process of going through a forbearance program and then the partial claim and because it took them XXXX plus days to complete the paperwork it would show as late however the letter I have from them that is dated XX/XX/XXXX shows there is no fee associated with this completion of this partial claim there's the balance of any late fees will be waived at the time of partial claim is finalized the partial claim does not otherwise penalize me nor would they be reporting late so I need to have these removed from my credit because I have been in compliance with everything they've asked me to and paid my monthly mortgage payment due XX/XX/XXXX as they requested during the agreement time.. 

In summary I was compliant and proactive on all aspects of the terms and conditions for my forbearance and partial claim and made the mortgage payment on time since XX/XX/XXXX to current there's no late fees or mortgage due that was not clunder the umbrellas of a forbearance or partial claim once final reconciliation and for XXXX or XXXX, it is false, unfair reporting to credit bureau and detrimental to my credit score. Please remove 90day late pay XXXX XX/XX/XXXX, as it is false and unfair to show this reconciliation as non-payment since I was approved for the partial claim and forbearance per their terms and conditions.