Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8427122
Complaint Overview
Complaint ID: 8427122
Company: U.S. Bancorp
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Account status incorrect
State: Florida
ZIP Code: 322XX
Date Received: 2024-02-26T12:00:00-05:00
Date Sent to Company: 2024-02-26T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
I was reported greater than 180 days delinquent on my mortgage with US BANK while I was on an approved forbearance plan. During the forbearance period, I submitted an accepted loss mitigation application that required several additional information requests before a loss mitigation decision could be made. I was informed, after continuous questions to multiple US Bank representatives, that during this period I would not have credit reported. The application was considered complete on XXXX, additional information was requested this date, then again on XXXX, then again on XXXX. I repeatedly complained about how the process was taking and also stated that the additional information request were superficial and not pertinent to making a sound financial decision. I stated for the record I believed this to be a tactic to put me in the worse financial situation with a VA loan. I was assured that my credit will be protected while going through the process and that the goal was to keep me in my home. In XXXX of this XXXX, a decision was made and trial repayment was scheduled. In the letter for trial repayment I was informed, in writing, by US Bank that no credit reporting will take place. I checked my credit to be sure. US bank lied. The same date US bank sent the letter, I was reported delinquent greater than 180 days to the credit reporting agencies. I called multiple times and initiated a credit reporting complaint to customer service department only to be told that the reporting was legit and in proper guidelines. I will seek legal counsel if this situation is not resolved. My personal credit is vitally important to my financial health and capability to earn more income. I feel US bank intentionally did this to make me a credit risk that impairs my ability to seek other mortgage options. Please help me
Frequently Asked Questions
What is Complaint #8427122 about?
Complaint #8427122 was filed against U.S. Bancorp regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-26T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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 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.