U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Massachusetts

I am writing to dispute unfair credit reporting practices carried out by your Middlesex Savings Bank College Rewards - card. I am a hard working college student, balancing school, a -, a - and a - at a -. I am putting myself through college while paying all my own living expenses. Last year, though I did n't need a credit card to survive, I made a thoughtful decision to open - so that at - years old, I could begin to establish credit. I went through Middlesex Savings Bank since this was the bank I knew and trusted since opening a checking account at - years old. Unfortunately, this is also the bank that has deceptively and carelessly tarnished my credit. Upon opening my card, I immediately set myself up with the free automated payment service that they provide. I did this because, again, I did not need the " income '' from the credit card, I wanted to use the card and pay the balance, on time, each and every month to build my credit. I opened the credit line in - 2015 and my payments were deducted automatically in - and -. I was really surprised and


possible, I then went through the online system and took steps to get set up ( again ) with automatic payments. I was not able to do this because a message appeared stating : This account is already set up on AutoPay ( recurring payments ). Click View AutoPay to review the payment schedule set up. I have a copy of this to submit.. For a year now, I have continued to make timely and consistent payments each and every month. Sometimes I make two payments a month to keep my balance at -. These payments are reflected on my summary separate from the monthly auto payments. I am not paying the minimum balance, I am is paying the balance in full every month. My auto payment took care of the situation and I moved on, keeping record of the error. I wrote to Middlesex Cardmember Service to dispute this because in the past two months, I tried to take out a car loan so that I can get myself to classes and my - part time jobs. I also tried to purchase a cell phone through -. I was unsuccessful with my phone purchase for - reason. Middlesex Savings has made a derogatory claim on my credit report for a " missed payment '' last year in -. I was extended a car loan, but with an outrageous amount of interest due to - derogatory mark on my credit by their bank. Because I am so young, I have n't much credit. Only this credit card, which is erroneously reflecting a missed payment. This is not only unfair, but this is n't even my error. The error took place with their internal system. How disappointing that I opened this to build my credit ( and please look at my payment history!! ) and their error has done just the opposite. I sent a written dispute on - - and asked for them to contact me by - - to confirm that they understand the mistake they made and to correct this with the credit bureaus. I called yesterday to follow up and was placed on hold for - minutes. After -, I was prompted by a robot to press - if I wanted to take their customer service survey. I pressed nothing and the call ended.