Credit reporting, credit repair services, or other personal consumer reports -- Incorrect information on your report -- Complaint #6620251
Complaint Overview
Complaint ID: 6620251
Company: U.S. Bancorp
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account information incorrect
State: Idaho
ZIP Code: 838XX
Date Received: 2023-02-26T12:00:00-05:00
Date Sent to Company: 2023-02-26T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I paid my mortgage online on XX/XX/XXXX from a saved value within the US Bank online portal. A popup confirmed my payment. I received a letter in early XXXX that payment not received. I called and two representatives reported not receiving payment. Called back and a representative reported she saw my payment on XX/XX/XXXX and that their system canceled it. NO ONE since has admitted to it. I corrected it by paying on XXXX and XXXX on XXXX, due XX/XX/XXXX. I made a reporting to the credit bureaus, US Bank stated I was late and refused to correct, but they did correct the XXXX, but not XXXX or XXXX. I appealed to their credit dispute department, and they stand behind that I was late although I referenced the proof of their representative and name and date and recording number. I again appealed to the credit bureaus, they again denied to fix. I called and the representative stated her computer shows XXXX late, She insisted, but the credit bureaus shows XXXX 30 days late. I received a letter with crazy story about how they are entitled to show XXXX late because they have a late XXXX payment. I have again appealed to US Bank. I have now been made aware that US Bank is fully aware they had a technical problem in XXXX that canceled members payments and they tried to adjust for the problem by not make reporting to the credit bureaus in a data dump in XXXX of 30 days late while trying to repair the problem, and only did in XXXX the data dump to credit bureaus of late payments. When they reported in XXXX, it picked up the incorrect data about my late XXXX payment, and I am sure many more, and reported XXXX as more then 30 days past due. Never has my account been 30 days past due. I am obviously not the only person effected, and they refuse to fix peoples credit reports when reported and lie about the ongoing technical problems. They should have fixed the late reports retroactively knowing they had a problem, advised customer service to handle these as priority and repair, instead they continue to keep bad reporting and lie about their faulty technial issues.
Frequently Asked Questions
What is Complaint #6620251 about?
Complaint #6620251 was filed against U.S. Bancorp regarding Credit reporting, credit repair services, or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2023-02-26T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit reporting, credit repair services, or other personal consumer reports) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.