U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Texas

Since -, 2013 I have been disputing the removal of US Bank 's credit card account that 's displaying on all - of my credit bureau reports--, and -. I first disputed this issue with US Bank directly before submitting my online disputes with the -, and - I spent approximately $40.00 in USPS Flat Rate Mailing Envelopes that I personally paid for which included documentation that the credit card account reflecting on my reports does not belong to me. I am showing up as a joint account holder, while at the same time I do not recall have any affiliation with US Bank except for owning a checking, and savings account with them. I no longer have those accounts, but nevertheless I never had a credit limit of $2000.00 with US Bank, or any financial institution for that matter. If I did, I would certainly not have allowed it to get charged off, and I would have found some way of negotiating payment arrangements with them to settle an account with the status it 's reflecting on my credit reports.


This has caused significant damage to my credit applications submitted since the time period that I noticed it started becoming negative. I only noticed it on my credit reports once I received a mailing notice from them. Had it not been for their mailing notice they sent me prior to my initiation of the disputes I probably would not have noticed it. I also find their correspondence department to be a primary cause of the delayed issue resolvement on removing this charged off credit card account from my records. If it was mine, I would surely claim it, as I would anything else that may, or may not be negative on my credit reports. I am individual who will pay dues that are owed by me, but I will not pay dues that are owed on behalf of someone else, especially with a charge off of $2400.00. That is not going to be tolerated any longer. I am trying to obtain an auto loan, and this account is what is keeping me from receiving one at an affordable APR, and monthly payment. Therefore, as my last complaint description part of this, I would like to inform US Bank that if this matter is not resolved within 30 days from the receipt of this complaint, I will be going a step further in escalating this to a higher authority.