Consumer complaint received 2024-05-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: U.S. BANCORP
State: IL

Complaint narrative:
Consumer Financial Protection Bureau XXXX XXXX XXXX  XXXX XXXX  XXXX, Iowa XXXX XX/XX/XXXX CC States Attorney, Attorney General Consumer Fraud, FBI Disputed Fraudulent entries of Alleged US Bank Employees or its Affiliates and alleged Employees at XXXX providing False information for alleged Kickbacks on Credit Reports Slander : US Bank is Reporting to all Credit Bureaus Negative remarks on Credit Cards not in my Possession due to FRAUD Dear Sir/Madam : As per my conversation with a XXXX XXXX XXXX XX/XX/XXXX near and around XXXX XXXX, ( XXXX XXXX XXXX XXXX mins, XXXX sec ) Per the phone number from XXXX Report the above person was contacted and informed me that the phone number that my name was associated with was XXXX XXXX, I explained this was never my number and that XXXX never sent a bill to my attention about this account because it was paid off. I did not owe XXXX any money! 

XXXX stated that they had no account numbers for the account and requested my social security number, he stated someone used my social security number and bills were being sent to XXXX XXXX XXXX, I replied thats impossible because my address is XXXX XXXX XXXX and XXXX XXXX provided me a credit card of {$5100.00} for having an excellent payment history never being late with my cellphone bill. 

XXXX stated unequivocally no XXXX Representative as going to speak to me because the account is in collections, I explained to him this is FRAUD, I am being forced to pay a bill that does not belong to me in order to remove it from collections and requested, he provide me an email attesting to the veracity of this bill that does not belong to me is being paid. 

He provided me a confirmation number ( XXXX ) and told me to contact XXXX and get a confirmation that they received the payment and to call him back at his personal number XXXX XXXX XXXX which I did Monday morning at XXXX XXXX and was prompted to a series of prompts and was disconnected. 

Because someone allegedly paid someone in XXXX region XXXX to FRAUDULENTLY submit a bogus bill of me owing XXXX caused an avalanche of negative remarks and removal of all my credit lines now that the illegal debt has been paid, I am not able to get any representatives on the phone. ( I am in court with an ex-Police woman whom, I left alone had my social security information and had to report her to Internal Affairs because of a plethora of sordid criminal acts seems to be the act of something retaliatory. 

On Friday XX/XX/XXXX a Representative from XXXXXXXX XXXX stated that XXXX had reported some disparaging remarks to my credit file causing the bank to negatively delete my credit line. 

Prior, I have always cleared my debts on all cards timely but was not aware at the time FRAUD had taken place on my accounts causing XXXX XXXXXXXX and US Bank to replace my credit cards. 

XXXX. ) From XXXX they indicated all my accounts are in GOOD STANDING. 

XXXX. ) XXXX attached, XXXX XXXX XXXX XXXX bill showing, I had credit limit of {$5100.00} and only missed a payment and paid {$200.00} making the account current. 
A- I have always had an excellent payment history with XXXX and always paid off the card only after the death of my God Father did my account fall behind once and the bill was immediately cleared, their records would prove this fact. 

XXXX. ) I was receiving unwarranted late charges from US Bank where my account was cleared only to learn that someone hacked into credit card account and used it on XXXX an investigation from US fraud unit ascertained the problem and credited my account. 

XXXX. ) US Bank assured me that they were going to notify the credit bureaus of this matter they obviously have not provided these documents to show, I was not responsible for any of these charges. 
A- Allegedly a US Bank employee XXXX XXXX near and around XX/XX/XXXX and XXXX ) with a rude temperament of the XXXX XXXX XXXX informed me that US Bank has up to 30 days to update the credit report to correct any inaccuracies but unfortunately the negative remarks get there quickly B- She requested that, I submit to her the bank and name of the authorized person who made the payment of {$1000.00} and provided a fax of XXXX XXXX of where it was to be sent, I was confused and asked her if there was a problem? She said know it was paid, we just need to know who the authorized person of the account is? 

C- I went into a Bank Branch and informed them of the conversation and they stated, that was not US Banks policy and was concerned how much information did, I provide because it sounds like I was spoofed and our bank information may have been compromised so a hold was placed on my account and mothers account XXXX. ) Synchrony XXXX XXXX informed me that they reduced my credit line of {$5100.00} because US Bank was reporting to them, I was delinquent paying my account and that, I had an account in collections all of which was not true, hereto attached, XXXX Report show no collection on my accounts. 

XXXX. ) I never closed any of my accounts, they were they are reporting it was closed due to FRAUD US Bank is now reporting fraudulently, that I closed my account and that, I owe {$120.00}, this is so inextricably convoluted with so many lies and inconsistencies in that US Bank would rather close my account on fraudulent bases rather than submit accurate information depicting my excellent payment history which behooves anything rational, unless these acts are predicated on some type of racially motivated acts of how US Bank treat their XXXX Bankers who have been at this institution for over 30 years. 
A- My mother and I have been at this Bank for so long our accounts were XXXX digits long we had to change debit cards and bank information XX/XX/XXXX. 

B- After closing the accounts and receiving new debit cards, US Bank sent a letter dated XX/XX/XXXX account ending in XXXX, which did not make any sense because XX/XX/XXXX in the same mailbox was a credit card ending in XXXX, hereto attached. 

C- On XX/XX/XXXX a person from cardmember services sent me a text to my phone Passcode was XXXX never at any other time did anyone from US Bank send me a Passcode to verify or ascertain my identity they asked me for my information and I assumed they were from the Bank and at this point, I have no idea who these alleges crooks or scam artists are. 


XXXX. ) The Vice-President of the US Bank advised any future transactions regarding the Bank have them to contact me give them my name and email, they said if they refuse, they are not legit when, I presented XXXX with this proposal asking if she wanted the Bankers information, she was requesting she refused and told me to have him contact XXXX. 

XXXX. ) I do not live at XXXX XXXX XXXX, XXXX Illinois XXXX, Please DELETE these errors. 

XXXX. ) US Bank is NEGATIVELY Reporting as of XX/XX/XXXX via XXXX XX/XX/XXXX that, I am in receipt of credit card ending in XXXX was replaced by card XXXX in XXXX with a {$10000.00} credit limit and that card was replaced with XXXX and XXXX, hereto attached. 

XXXX. ) US Bank credited my account and replaced the card ending in XXXX with a new card ending in XXXX XX/XX/XXXX, hereto attached. 

Based on the foregoing stated above, US Bank and other alleged coconspirators submitted to XXXX a FRAUDULENT letter regarding COLLECTIONS to XXXX in the Downtown area to deliberately sabotage said credit report which it it did by causing a downward spiral of hard earned credit scores to diminish due to attempted IDENTITY or CRIMINAL FRAUD ACTIVITY, this is formal request respectfully removing all negative remarks from said credit report and reinstating the positive entries noted so that my credit lines can be reinstated. 

Based on the foregoing stated above, this is formal request respectfully removing all negative remarks from said credit report and adding the positive entries noted. 

Thank you, Respectfully Submitted, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX

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