Consumer complaint received 2019-06-20 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: OH

Complaint narrative:
I was taken advantage of by a debt counseling program which was resolved by the attorney generals office. At the time it was resolved and I was made whole, I contacted both creditors involved. They were both owned by US Bank, but one was a Visa and the other was an XXXX XXXX. The Visa department had no issue with working with me and keeping the same arrangement and terms. They were willing to refund the fees and interest as well as reduce the APR. They were understanding of the fact that if not for the lack of actions by the debt counseling program I would have made timely payments. I started out owing them over {$1100.00} and currently owe them {$550.00}. The XXXX XXXX division refused to work with me. They basically said that they did not care why the payments were not made that the fees would stand. Additionally, they would not keep the terms that they had previously agreed with the debt counseling program with me. I continued to call them and battle with them and eventually they sold off the account. At that time I received correspondence from two entities claiming that I owed them for this account. XXXX XXXX XXXX and XXXX XXXX. I called both explaining to them the previous circumstances and that I needed something in writing stating that they were the owner of the debt. They basically laughed at me, mocked me and threatened me with suing me and ruining my credit, which was already being done. I left voice messages, I clicked on the contact us button on XXXX website leaving messages regarding the situation. When I would call they would route my call to the same guy and he would harass me by speaking down to me and asking me many questions to verify who I was and some I was not comfortable with answering or did I think was necessary, especially since they were not willing to verify their position or control of the debt, therefore he would proclaim that he could not tell me ANYTHING and would end the call. I explained over and over the situation previously resolved by the attorney generals office and they just mocked me, called me a dead beat in so many words and just refused to work with me on any level. 

I first placed debt with the debt counseling company in XX/XX/XXXX. I have been diligently tracking this account since for 23 months and it has been as taxing as a full-time job. Even when I explained to XXXX that I had lost my job and was still willing to work something out, they just refused me at every turn to create something in writing. They wanted me to send in blind payments or pay it in full I was not willing to do the first and not capable of the latter. If any one of the entities, US Bank, XXXX XXXX, or XXXX XXXX had been willing to work with me and give me something in writing, be fair and understanding to the fact that I was doing everything I was capable and topped with being defrauded by the debt counseling company we would NOT be in this situation, today and they would have received much payment as well as releasing their hostage hold on my credit score. It is because of their negligence that we are in this situation now. The emotional toll and the stress of my due diligence has been significant ( I have received professional counseling, due to the toll it has taken on me ) and I deserve to expect compensation of these damages, not to mention the detriment to my credit. I believe US Bank was more concerned with running my credit into the ground and sticking it to me than they were willing to work with me. My credit has suffered due to this for 23months preventing me from any other credit options or financing to remedy this. I believe XXXX XXXX lumped me into a group passing judgment on me rather than listen and realize the special circumstances and work with me., either way it is there negligence things have come to this point and my damages at this point are more significant than theirs, complied by the fact that I have been in contact with someone regarding this account every month for the last 18months minimum, I dont feel they should be allowed to collect. At this time, XXXX is suing me in XXXX Municipal Court. Additionally, it was not until COMPLAINT ID XXXX SUBMITTED ON XX/XX/XXXX was answered that I knew emphatically whom the debt was owed, except for the fact that just a week or so prior to receiving the answer they sued me. I have no other accounts in collection ; all of my accounts are paid as they are supposed to - my reputation and status of ALL other accounts proves that I was willing at all times to pay this debt, if I had just been allowed.

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 explanation