Consumer complaint received 2023-04-16 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: U.S. BANCORP
State: TX

Complaint narrative:
On or about XX/XX/XXXX I finalized the purchase of a vehicle I as leasing from US Bank. My account was in good standing and always paid on time. 

XX/XX/XXXX : Received a collection letter from US Bank demanding {$960.00} and make payment no later than XX/XX/XXXX. 

XX/XX/XXXX : Received a collection call from US Bank {$960.00} but they couldn't tell me what the amount due was fro since the vehicle was paid in full back in XXXX of XXXX. 

XX/XX/XXXX : Received another collection call from US Bank demanding {$960.00}, customer service rep still could not tell me what the {$960.00} was in regards to. Again according to the collection letter dated XX/XX/XXXX the payment wasn't due until XX/XX/XXXX, but they keep calling demanding payment ... .thats not even due according to their own paperwork. 

XX/XX/XXXX : I wrote to US Bank disputing the {$960.00} ( Certified mail return receipt : XXXX ) demanding an explanation of the alleged charges and detailed accounting for a vehicle that was paid and titled to me months prior. 

XX/XX/XXXX : Received copy of an invoice from XXXX XXXX XXXX XXXX XXXX XXXX XXXX The invoice total was {$940.00} ( not {$960.00} US Bank was demanding ). 

XX/XX/XXXX : I called and spoke to XXXX asking if payment on the account in question had been paid or still open and pending because US Bank was demanding I pay them back for making payment for the XXXX toll violations. XXXX confirmed NO PAYMENT had been made and the invoice totals of {$940.00} were still due. I spoke to Supervisor XXXX in the XXXX XXXX office. 

XX/XX/XXXX : I received a response to my dispute letter dated XX/XX/XXXX from XXXX XXXX Customer Advocacy of US Bank and a copy of the XXXX invoice as of XX/XX/XXXX in the amount of {$940.00}. US Bank was demanding payment and in her letter to me stated that US Bank had paid the toll citations on my behalf because as of XX/XX/XXXX US Bank was still the owner of the vehicle. This is wrong as I paid off the vehicle in full and was the sole owner of the vehicle on the date she cited in her letter of XX/XX/XXXX. 

XX/XX/XXXX : I sent a dispute letter to XXXX XXXX ( Certified Mail Return Receipt XXXX ) demanding copies of payment to XXXX from US Bank on my behalf as of or prior to the XX/XX/XXXX date she said the invoices were paid and asking why US Bank was acting as a third party collection agency for a vehicle they do not own and any discrepancies are between myself the vehicle owner and any third party, in this case the XXXX. I also informed XXXX XXXX, that no payment has been made to XXXX and that simply calling the number and invoice number would get you the same non-paid results I got. 

XX/XX/XXXX : I recieved another collection letter from US Bank which I have written a dispute response to but have not mailed until I get a tracking number to attach. 

In my letter to XXXX XXXX, I informed her that I have a toll transponder issued by the XXXX XXXX XXXX ( XXXX ). XXXX and the XXXX have reciprocal agreements between the governing agencies that will collect tolls for each other. The XXXX transponder is tided to my vehicle license plate. I have proof I had a valid account with the XXXX for the vehicle in question, so there would be no fines or penalties owed to XXXX. 

US Bank is trying to defraud me by demanding I make payments for fines/penalties I do not owe, and that they say they have already paid for which is 100 % a lie, and I have been assured by the XXXX  that XXXX of XX/XX/XXXX no payment has been received ( well after the letters demanding I pay them back ). 

I have not received any proof that US Bank has made the {$940.00} they say they paid to XXXX ( because they haven't ), and I still am continuing to receive collection letters along with threats to damage my credit report if not paid in full at once.

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