U.S. Bank National Association

Complaint ID: 3127446

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Problem when making payments

Subissue: Problem during payment process

Company: U.S. BANCORP

Complaint: Ive had a credit card with XXXX XXXX XXXX XXXX for about seven years. I make my payments on line. The due date is XXXX of the month. In XX/XX/XXXX I submitted a {$100.00} payment to be taken out of my bank on XXXX XXXX. They gave me conformation number XXXX acknowledging receipt. A few days after the XXXX I checked to make sure payment posted only to find it was still in my bank account. I called XXXX XXXX XXXX to check why and was switched over to XXXX XXXX XXXX. The woman I spoke with informed me that the two companies were in a transition period and my payment would be taken out soon without late fees. I waited 4 or 5 days and called again because it was still in the bank. I was told the same. On XXXX XX/XX/XXXX, I called and asked the women if she would just take the payment over the phone she agreed. I told her just to take that {$100.00} and I also scheduled another payment for XXXX, paying a total of {$200.00}. In XXXX they tacked on a late fee and started calling me saying I was behind a payment. In XX/XX/XXXX, a man called and requested {$120.00}, which I sent. They told me I had {$180.00} in credit. I used {$86.00} for my dentist and a XXXX XXXX XXXX payment. Now Ive received XXXX calls since Sunday telling me Im {$250.00} behind. Still because they wont credit me with my XXXX payment and back out all of the late fees. I asked the women why did you credit me with {$180.00} of credit and tell me Im {$250.00} behind. No answer. The woman I spoke with yesterday also told me they were a collection agency. I dont understand why the account went to collections in XXXX I was not behind on anything. I wrote a letter to XXXX XXXX XXXX explaining my problem two months ago, got no reply. I cant get a phone number for the bank I keep getting XXXX, whose number is XXXX XXXX. I spoke with a XXXX she helped but its right back. Frustrated in XXXX and sick of these phone calls. Card number for account XXXX, valid XX/XX/XXXX.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 3208589

Product: Mortgage

Sub-Product: Conventional home mortgage

Issue: Struggling to pay mortgage

Subissue:

Company: U.S. BANCORP

Complaint:

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 3188350

Product: Mortgage

Sub-Product: Other type of mortgage

Issue: Trouble during payment process

Subissue:

Company: U.S. BANCORP

Complaint:

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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