Date Received: 2017-06-23T00:00:00
Product: Mortgage debt
Issue: Communication tactics
Consumer Consent Provided to Share Complaint: Consent provided
Consumer Complaint: My complaint is in regards to us bank home mortgage. I receive calls daily about my account being past due. Although I have never hit the 30 day late mark in the life of my mortgage. Representitives will call and refuse to identify themselves and hang up when questioned. Then call back later. I have spoken to 2 reps in the last 2 days and explained that I feel harrassed and there is no need to call me on my cell phone during my work hours because it jeprodises my job and my sanity and incurrs charges from my cell phone carrier. They will only say ” you can submitt your request in writing and wont go past that. I have requested to speak to a manager to no avail and they do not take complaints on their own employees. Furthermore the reason I am perpetually late on my payments is because they are unwilling to adapt my payment due date and insist there is nothing that they can do. So on a monthly basis my credit is damaged although my payments are made no more that 30 days apart and allways have been. In semation I explained that these calls and their nature made me feel harrassed. I offered a valid time for communication between us bank and myself which is on sunday between XXXX amd XXXX. I offered in good faith to set up automatic withdrawals if they will stop damaging my credit and they refused. The reps are rude, then after sent my account immidiatly to loss mitigation in my view as a further insult to me. In no way have the calls been in compliance with the fdcpa or even moral value. The most recent calls were XX/XX/XXXX and XXXX 2017
Company: U.S. BANCORP
State/Zip: MN 550XX
Company Response to Complaint: Closed with explanation
Was Company Response Timely: Yes
Did Consumer Dispute Company Response: N/A
Complaint ID: 2556876
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