Consumer complaint received 2024-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: U.S. BANCORP
State: GA

Complaint narrative:
Last year my XXXX XXXX, XXXX XXXX XXXX XXXX, was purchased by XXXX XXXX XXXX. The transition was not very clean and after some issues with obtaining a new credit card due to the expiration of my existing credit card. I closed my checking, savings and credit card account in XXXX XXXX by visiting the local branch and requesting these accounts to be closed. This was after I waited a complete billing period to make sure all charges had cleared. In XXXX XXXX I received a letter from XXXX stating that I had a past due amount of {$15.00}. I called and inquired about the amount. At that time they said the account was closed with a {$0.00} account balance. They didn't know anything about the {$15.00}. I thought that was the end of it. 

Then around the XXXX of XXXX I received another letter stating that I owed {$39.00}. 
I called XXXX 's credit card processor XXXX XXXX XXXX and they verified that I did owe {$39.00} but could not tell me why since they recently took over processing for XXXX from the previous processor and they didn't have access to any previous statements. They stated they would order the statements which would take 7-10 days. I waited but no statements were delivered and as of this date I still haven't received any previous statements. During this conversation they also mentioned that my credit card with XXXX was still open I asked how that could be since I had closed all accounts in XXXX XXXX and they stated that the credit card account with XXXX was not closed. I requested that it be closed and a letter sent to me. 

A few weeks later I received another letter from XXXX with the past due amount of {$39.00} ( interest accrued ) and again I called to inquire. And again the same conversation was rehashed about XXXX unable to actually see the transaction from the previous processor. They again offered to order the statements and stated it would take around 4 weeks to get them. I asked if there was anyway I would be able to dispute the transactions from the previous processor and they didn't how that could happen. I requested XXXX to send me the statements from the previous processor. I don't have much hope of receiving them due to the past experiences. 

It seems that XXXX just received a balance due on accounts that were transferred and they really don't have much interest in resolving this issue since they have probably paid the outstanding balances to the past processor. They would incur the loss and not the previous processor. 

At that time it didn't appear that I could do anything if these were fraudulent charges so I paid the past due amount without ever knowing the actual origin of the charge. I felt like I was in a never ending losing battle. 

Once I closed my original credit card account in XXXX XXXX I did lose access to all statements since all of these documents were online and there would have been no way for me to know of any charges.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief