Consumer complaint received 2021-02-15
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: U.S. BANCORP (MN)

I am writing in response to a CFPB complaint that I filed XX/XX/2021 Case Number XXXX. I received a letter from US Bank dated XX/XX/2021. ( Letter attached ). The response letter was from an employee by the name of XXXX, and while I can appreciate XXXX thorough investigation of the credit cards ( CCs ) ending in XXXX and most importantly XXXX unfortunately 2/3rds of the letter seems to be an attempt to discredit me and my original complaint. 

My original request is for US Bank to waive the full balance owed on CC XXXX and close it. In addition, remove all derogatory reporting to my credit bureau. I would also like to confirm CC ending in XXXX is closed with a {$0.00} balance with no opportunity for reversal of payments, advances, or further purchases. 

In the 4th paragraph of the letter of response XXXX stated that my ( ex ) husband requested the CCs be opened again. As with my original complaint, my question is, how can US Bank give funds to a customer from a closed account? There was no availability ( account frozen to further access ) and I did not authorize the CC to be reopened, that should have taken the signatures of both owners of the card which I did not authorize. 

XXXX also did not mention any of the conversations I had with various US Bank employees. She essentially failed to investigate the most important aspect of my complaint ; why didnt any of the response letter touch on the multiple conversations I had with the US Bank employees. I honestly feel it is because that would have been the proof of US Banks negligence in researching the account prior to giving XXXX the funds I paid. As stated, I had conversations with US Bank Customer Service XXXX and the Collections Department that XXXX was going to file bankruptcy. On XXXX XXXX, 2021, I made sure the rep commented on the file the funds were paid with my account ending in XXXX. 

I understand the matter of my ( now ) ex-husband opening CCs in my name is a civil matter, however I feel at this time that my character has been called out in a negative way and I do not appreciate XXXX called out what she felt were discrepancies, or holes with my story. 

Please see my responses to XXXX investigation : The cell phone number ( XXXX ) does belong to me now ; however, this cell number was originally my ex-husbands number, and later became mine when he received a new number ( XXXX ). 
The bills were sent to XXXX XXXX XXXX XXXX, MN XXXX which is my home. However, XXXX paid all bills as he was/is self-employed, and his money came in at various times throughout the months. 
The method of payments that were made were through XXXX checking account ending in XXXX, was a joint checking account that belonged to both XXXX and me. Ironically, XXXX mentions in the 3rd paragraph the funds paid were verified to an account that belonging to me. In the 5th paragraph she contradicted herself by stating Please understand that we are unable to confirm the name of the individual who owns an account that a payment is made from please advise which is it? 
I told the same story so many times to every representative I talked to because I wanted it very well known that I was making the payment because XXXX was going to file bankruptcy. It was also evident that he was no longer making payments because when the account fell delinquent was when I stepped in and started paying them. 
In closing, I would like to thank you for taking the time to review this complaint again and see that the issue has not been resolved. As far as I am concerned US Bank has violated XXXX, as I could not have been more transparent to the employees at US Bank about my situation. I am recently divorced, my ex-husband and I must sell my home that I have lived in for the past 18 years, and this error made by US Bank has dropped my credit score dramatically where I will no longer be able to purchase a home at a decent rate this summer. 

Thank you in advance for your consideration of this matter. 

Sincerely, XXXX XXXX