U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Billing disputes South Carolina

On -/-/16, I received a letter dated -/-/16 from US Bank, -, - -, MO - notifying me for the first time that " ALERT : YOUR ACCOUNT IS SERIOUSLY OVERDUE CALL TODAY TO DISCUSS YOUR OPTIONS -. '' The letter also stated that my - - - credit card account ending with : - had a balance due of $210.00. " This is you last chance to avoid more serious collection action. We need to hear from you today to make acceptable payment arrangements. If we do n't hear from you, it will likely result in a negative report to your credit bureau and require us to take actions necessary to collect your overdue account. '' I immediately called - as directed that same day -/-/16 and spoke to - in the Collections Department of US Bank. She told me that the balance due was actually $2.00 and that all other charges had been reversed on -/-/16 and that my - - - credit card account ending with - had been closed. She told me that this originally occurred because an annual fee of $85.00 billed in - 2016 had not been paid and finance charges and interest had


rather than by paper hard copy via the USPS. This seemed strange to me because my US Bank - - - - credit card account ending with : - was being sent to me by paper hard copy via the USPS. She explained that she could not comment on that because the - - accounts were handled by another division. - was very courteous and professional and then kindly transferred me to the Customer Service Department of US Bank where I spoke to -. - kindly reversed the $2.00 remaining current balance due leaving the final balance of $0.00 ( zero ) for the account ending -. She apologized that this misunderstanding had occurred, and that she too could not explain or comment on the different way in which US Bank handled and billed my - different accounts because the - - accounts were handled by another division. She also explained that the personal account ending in - could not be re-opened after this episode and that I would have to re-apply. - was very courteous and professional. My concern is whether this unfortunate episode of miscommunication and misunderstanding regarding mailed hard copy paper bills via the USPS versus so-called paperless electronic bills resulted in US Bank generating a negative report to the -, -, and/or - consumer credit agencies. While I did request access to be able to review the status of my accounts online, I never intended this to be a substitute or replace my receiving paper hard copy bills via the USPS.