U.S. Bancorp Mortgage Complaint

U.S. Bancorp Mortgage department,

Home equity loan or line of credit Loan servicing, payments, escrow account Georgia

I opened a line of credit with US Bank in - -. During the 7 years, I had the line open, I had exceptional payment history. In - -, I paid off entire balance from with final installment of $520.00 ( per my monthly statement ). At that point, there should have been zero balance and no further activity on the account. I did not receive any further statements from the bank post my last payment of - -. It was not until - -, it was brought to my attention that there was an - balance on my account that resulted a derogatory 30day late in - and a 60day late in -. I immediately paid the - and a yearly fee on - -, - and closed the account. In my view, reporting - past due to the credit reporting agencies as 60 days past due, while US bank failed to send me statements during the months it was past due is a violation fair credit reporting act and FDCPA.