U.S. Bancorp Consumer Loan Complaint

U.S. Bancorp Consumer loan department,

Title loan Payment to acct not credited Washington

I purchased an RV through US Bank. The payments of $340.00 initiated on -/-/-. Approximately - weeks prior to the due date - of each month I would go into the main US Bank - - - - - WA and submit my check that also included an additional principle payment- from - - -. On my check I would note that this payment was for Principle only. The last several months I started to receive my statements that would say I had a past due amount ( for $200.00 ) ; thus adding it to my normal payment. I went in and they said they would fix it - but the following month there again was another past due amount of -. I actually got a call last Friday the - from a bank collector looking to have me submit the past due payment. Any borderline teller should be able to bring up my account and see that all along I 've been making my regular payment plus added principle. When I had this - min conversation I was transferred to another employee ; who in speaking with them ask about a couple of statements that I received (


I made she told me I would be charged a fee for this. Really! I was told the situation was change and the past due was taken care of-when I went to the bank today it still had a past due of - on my account. My main concern is if this is happening to me ( a senior citizen ) how many unsuspecting people world wide that do n't check their monthly statements are they doing this to. I had similar issues with my mortgage for several months. They were not applying my full principle payment to my principle but taking out and applying to my interest-as if I would give them free money. So over all, this has gone on for many months-despite my telling them that I will seek out further investigation. I got insulted when the folks that called me said it was the front line teller that was causing the problems. I know they go into their computer templates and place the payments in the appropriate boxs. I have most of my statements and my check register noting days of payments with check numbers and how much additional principle made. I 'm really tired of hearing I 'm sorry -I think/believe there should be an outside audit run on their procedures and if found at fault-upper management lose their jobs. This is very stressful for me- I work in a VERY High stress work field ( - ) I really do n't need to constantly monitor and call attention to inappropriate bookkeeping from professionals. I believe - financial got nipped for doing something like this. Thank you.