Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: SC

Complaint narrative:
On XXXX/XXXX/16, I received a letter dated XXXX/XXXX/16 from US Bank, XXXX, XXXX XXXX, MO XXXX notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS XXXX. '' The letter also stated that my XXXX XXXX XXXX credit card account ending with : XXXX had a balance due of {$210.00}. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called XXXX as directed that same day XXXX/XXXX/16 and spoke to XXXX in the Collections Department of US Bank. She told me that the balance due was actually {$2.00} and that all other charges had been reversed on XXXX/XXXX/16 and that my XXXX XXXX XXXX credit card account ending with XXXX had been closed. She told me that this originally occurred because an annual fee of {$85.00} billed in XXXX 2016 had not been paid and finance charges and interest had accrued. I explained to her that this was very upsetting to me because no bill had been mailed to me until this letter dated XXXX/XXXX/16 and no notice had ever been sent to me that all bills for this personal account would be paperless and sent only electronically on computer rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank XXXX XXXX XXXX XXXX credit card account ending with : XXXX was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the XXXX XXXX accounts were handled by another division. XXXX was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to XXXX. XXXX kindly reversed the {$2.00} remaining current balance due leaving the final balance of {$0.00} ( zero ) for the account ending XXXX. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my XXXX different accounts because the XXXX XXXX accounts were handled by another division. She also explained that the personal account ending in XXXX could not be re-opened after this episode and that I would have to re-apply. XXXX was very courteous and professional. 

My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the XXXX, XXXX, and/or XXXX consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS.

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 monetary relief