U.S. Bank National Association Corporate

Complaint ID: 7528570

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: U.S. BANCORP

Complaint: Went through XXXX with XXXX, and according too the XXXX company myself nore USBANK. We're supposed too be able too be represented by a Attorney, or Law Firm. As an XXXX is like a small claims case. But for some reasons USBANK, was allowed too not only be represented by both. But was allowed too present false, and tampered with documents in the case. Where when I disputed the evidence and documents. The hearing Judge. Said, for me to provide copies of my original documents where I sent statements, receipts of funds from me being put in the accounts and documents that the accounts were indeed, mine. But according too USBANK, supposedly Attorneys. At first they claim USBANK, said the accounts were not there's. Then a week before the Judge ruling USBANK through their Attorneys claimed that they had found the accounts and numbers. But that the accounts nore the account numbers were under my profile. So when I asked, the Judge about why would the accounts be under my name, social security number and address and it shows I was placing funds in these accounts. The Judge said " USBANK Attorneys, if it turns out that these accounts are indeed XXXX XXXX, I will have too rule in his favor and award him the amount he is requesting are you all sure that you don't want too try settling this before I make my ruling? USBANK Attorneys said NO. These accounts have nothing to do with XXXX XXXX. Where I was giving the final statement where I said " Your honor, once again if these accounts were not mine why would I have been paying the accounts, why would I be putting money in these accounts and why would these accounts be sent too me under my personal information? " After the XXXX, I was told I could get a copy of the audio tape of the hearing. When I called the XXXX company, they claim that they could not find any information on the case. Which was strange, because they sent me the ruling document. But then claim that they couldn't find anything on the case in their system. Then I seen your company went after them and won.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7528498

Product: Credit reporting or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a company's investigation into an existing problem

Subissue: Problem with personal statement of dispute

Company: U.S. BANCORP

Complaint: I opened a U.S. Bank Credit Card in XXXX. They offered a fraudulent promotion that few people could use. It was an Altitude Connect Visa CarXXXX for which I was offered a XXXX limit and had to spend XXXX in three months to get their offer. I realized that I couldn't get the offer without going over my usage. So in XXXX, I had a bill for which I had to pay. The bill was for roughly XXXX I paid for bill with the credit card XX/XX/XXXX. Because I knew my due date was XX/XX/XXXX and statement date was XX/XX/XXXX, I knew I had to pay off that balance immediately. I paid XXXX on XX/XX/XXXX. Today is XX/XX/XXXX and I received an XXXX alert thar my usage has increase. I call on the phone to resolve the matter. Nothing was resolved. My current balance is XXXX and has been that way since XXXX. I am disputing the amount reported by US Bank and for them advertising something clearly would cost a consumer to use. A XXXX point drop on a credit report takes years to address.

Company Response: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7528307

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Company: U.S. BANCORP

Complaint: I filed a dispute against XXXX XXXX XXXX on XX/XX/23. Long story short, the bank screwed me around so severely about the dispute that I ended up closing my account. Later they realized their mistake and sent me a check for the disputed amount ( {$140.00} ). But for some reason, they reopened my account without my permission to bill me for that amount without telling me why or giving me any reason why that happened. I contacted the bank about it and they told me the hotel is arguing back so they reopened the dispute. They told me what the hotel said, and it is 100 % lies. I spent so many hours dealing with this in the first place and chose to close my account. I never asked for my money back but they voluntarily gave it back to me. Now I'm back in this mess and also am finding out that if I don't pay the bank the {$140.00}, and nothing is resolved, it could go into collections and mess up my perfect credit. Additionally, this is not good for my mental health. I would have been fine putting this mess behind me, but they paid me back and now I'm back in it. Please help!

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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