U.S. Bancorp Consumer Loan Complaint

U.S. Bancorp Consumer Loan department,

Vehicle loan Shopping for a loan or lease Colorado

I was offered a refi on my Audi Q5 when stopping by my local branch of US Bank. The terms were favorable, so I filed out an application. Everything was approved on -/-/16, - - was paid off, and US Bank assumed my auto loan - a 3 year term at 2.33 % APR. I then received a letter from US Bank National Association disclosing the FICO score they 'd used in determining my rate. I was shocked - they listed a score from - of -. I immediately pulled my credit from -, paying for the full report, and sure enough they had it listed as -. That 's a - point discrepancy. Alarmed, and concerned some error might be replicated for other consumers ( and grossly in US Bank 's favor I might add ) I emailed my banker. About a week later I received a letter dated - - from -


She included no contact information for followup or redress. I called customer service, got her number, and left her a message. Then my Banker emailed me later the next day noting that - had contacted him and that, since she was not in a " customer facing role '', I should direct my inquiries through him. This is bizarre - why would a direct lending specialist who wrote me a letter not be in a " customer facing role ''? Then why write the damned letter? Nonetheless, US Bank maintains the error is with the credit reporting agency - - ( even though they both wrote - ). This seems incredibly unlikely since they use an API to populate the particular field in their lending software. That 's how they compute the rates and eligibility. I doubt very much that my credit could have jumped - points in 5 days. And I doubt very much that - is actually at fault. I believe that US Bank is *evading the question*, is *willfully negligent*, and is *abusing credit reporting laws* applicable to govern banks and protect consumers, effectively rent-seeking. It is incumbent on any lender to access and report accurate information. Since - has the correct score I fail to see how US Bank could have been " given '' the wrong score associated with my SSN? US Bank 's incompetent and evasive response is also troubling. It irritates me that a direct lending specialist would write me a redundant form letter ( devised to distance me from resolution ) and then claim not to be in a " customer facing role '' - whatever - that is supposed to mean. I also find the letter she sent patronizing and, frankly, -. It reads like it is written to a 2 year old. It essentially explains what the credit reporting agencies are ( really? ), and then provides a number to contact the wrong one - -. She signed it by hand, but did't bother to include a return address or contact number. Personally I do n't like being treated like an -, and I do n't like being patronized by a facile institution which is clearly acting, at best, negligently or, at worst, criminally.