US Bank - reported false information to credit bureaus - very difficult to contact via phone - terrible service

Complaints.com received the following consumer message on July 18, 2002:

From:

RE: US Bank - reported false information to credit bureaus - very difficult to contact via phone - terrible service

There was a time when US Bank was run out of Oregon and prided itself on being accessible. Not anymore. For three weeks now I have been trying to get US Bank to clean up their errors, which trashed our 30 years of perfect credit. In my opinion, US Bank is a completely shameful operation, not because they made an error and not even because they have been pathetic in correcting their error.

They are disgusting because their entire operating procedure is intricately designed to obstruct the ability of consumers to locate and work through legitimate needs. I began asking their own people if they could get through their own dial-in systems.

They all admitted that they couldn’t get through themselves. You get routed all over the country; yet try to get through to a single person whose name appears on their management list! This is a company that will be shutting itself down all by itself. Not a person in that operation “gets it”…we may be trapped in our HMOs, but there is another bank a block away. US Bank has employed technology and contract services to perfect the art of xxxxx everyone. Here is my story: After four hours of calling, most of it long distance and not toll-free, I finally managed to get through and was directed to James Neff in Denver. He looked up the accounts and stated that the entries were errors and that he would have them cleared immediately. When I did not hear from him for three days, I called to find out that he left for vacation the day I had spoken with him. His superior, who was supposedly handling his duties, never returned my calls or my wife’s calls.

Ten days later, after speaking with numerous other US Bank service people following a ten to twelve choice automated answering system, I spoke with a delightful person who admitted that she herself could not get through to anyone within US Bank by phone or email. She worked for a contractor handling customer service for US Bank but was powerless to get through their system. She even tried, seriously, many “back door” approaches and could get nowhere. Also, it seems that US Banks own people cannot get through to anyone.

I received a message from Mr. Neff after two weeks, in which he stated that he was not the person who could help me and that I had to call two different departments, a Mr. Rob Jones in order to correct the credit errors, and an 800 number in order to close the credit card accounts which US Bank opened without request or authorization. I spoke at length with each and actually got the cards cancelled and received a fax confirmation. Mr. Jones, who also readily found that the delinquencies were absolutely incorrect, told me that he would handle the correction the next day and fax me confirmation.

He has not done so and has not returned my calls. He also stated (no apology from anyone!!!) that the credit bureaus would take at least 45 days to clear the mistakes and restore our good names. I am not an active client of US Bank, I had not a single account that should have been active or authorized by my wife or by me, and I had new accounts established by them, they used my social security number to run credit checks, and they showed me late for over 120 days on two accounts that were long ago closed with zero balances. I haven’t even had an apology, much less reimbursement for my headaches, time, and phone bills. Can anyone say “class action?” Contact me if you’ve also been xxxxx by these jerks.