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Established Contributor
Posts: 680
Registered: ‎04-21-2010
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Re: RBS/Kroger and US Bank Mess

 


JayRizzo wrote:
I wonder what it set a person back to initiate legal action these days?

 

In my one and only experience with a Consumer Rights Attorney,it didn't cost me anything.

As I said,if you choose your  Cons.Rights Atty carefully, they may handle your case for free.

From what I learned, if your case involves an offender (CCC, CA, merchant,etc.) they will

work your case for free because they wish to build a file of consumer complaints against them

Which then becomes a major class action suit at a later date.       Word of caution;  choose your

consumer advocate wisely.   YMMV. 

_________________________________________________
"You may never know what results come of your actions,
but if you do nothing, there will be no result" ~ Mahatma Gandhi
Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: RBS/Kroger and US Bank Mess

Response from US Bank

 

Good morning and thank you for contacting U.S. Bancorp Service Center, Inc. via our Website.

We have referred your inquiry to the Office of the President to ensure that we answer your concerns appropriately. An Office of the President Specialist will contact you within five business days.

Please contact us again, XXXXX, if we can be of further assistance.

Sincerely,

Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: RBS/Kroger and US Bank Mess

 


JayRizzo wrote:
I wonder what it set a person back to initiate legal action these days?

I'm doing this for all of Kroger 123 cardholders who's account got acquired by US Bank.  It is unjust to report inaccurate information about one's account to the CRAs.  It may seem small to some that the dates are not correct, but to others it affects their AAoAs and etc etc. 

 

Super Contributor
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Re: RBS/Kroger and US Bank Mess

[ Edited ]

Here's another update from US Bank.  They have concluded that my account isn't mine.  I am flabbergasted. 

 

Dear :

The Office of the Cardmember Service President is in receipt of your request for assistance from U.S. Bank.

While we recognize that you have knowledge about this account, federal regulations prevent us from disclosing private account information. As you are not on the above-mentioned account, we are unable to provide you with any specific details surrounding the account.

This account can only be maintained by the cardmember, or an individual who has legal Power-of-Attorney, Conservatorship, or Guardianship for either party. If you have a Power-of-Attorney document, please send a copy to us along with any request on this account. You can send your documentation via fax to 866-568-7729 or via mail to the following address:

Moderator Emeritus
Posts: 4,470
Registered: ‎12-31-2008
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Re: RBS/Kroger and US Bank Mess

[ Edited ]

okay - that's crazy!

 

eta:  Are you responding back with your name, account , yada-yada-yada?

Where on earth are they losing track of you? It looks like you logged into your account, and contacted them via the website?

 

I've had uber good experiences with USBank.  Well, wait a minute, years ago we had some mixups with our checking accounts (more than one), and so did DS.  We almost closed them at one point.  But they always got them fixed and promptly.  Haven't had anything like this - SO frustrating, DI!  Please keep us posted.

Just puttin' syrup on something, don't make it pancakes.
Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
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Re: RBS/Kroger and US Bank Mess

Geez.  Are you going to fax them your driver's license or social security card?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




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Goal Score: 765


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Super Contributor
Posts: 5,744
Registered: ‎01-28-2008
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Re: RBS/Kroger and US Bank Mess

 


clocktick wrote:

Geez.  Are you going to fax them your driver's license or social security card?


The account had already been verified that it was mines.  The person who responded obviously failed to read the original email that was sent via US Bank secured email system. 

 

Established Contributor
Posts: 932
Registered: ‎08-17-2007
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Re: RBS/Kroger and US Bank Mess

[ Edited ]

DI wrote:

I'm doing this for all of Kroger 123 cardholders who's account got acquired by US Bank.

It is unjust to report inaccurate information about one's account to the CRAs.  It may seem small to some that the dates are not correct, but to others it affects their AAoAs and etc etc. 

 


 

I agree, DI.  This 'new' account is listed  2nd 'hurting my score' on MYFICO report....."account opened too  recently".

 

When all this started last fall, US Bank assured me also that the dates would  reflect the original RSB opening date.  When it did indeed report as a new card, I contacted US Bank  and was again assured it would be corrected.   This has not been the case.

 

Kroger reports as 'closed' and USbank is shown as new account with a 10/10 open date.

 

I'm so glad I saw this post as it's prompted me to resume my fight with them, also.

 

And I'm more than a litte concerned after seeing their response about not recognizing you as account holder!  Scary!!

FICOS: TU 732(7-18-14) EQ '08 734( 7-23-14) EX 727 (7-23-14)


Contributor
Posts: 99
Registered: ‎02-12-2010
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Re: RBS/Kroger and US Bank Mess

Mine is still reporting wrong, too.

If they don't fix it soon, perhaps a "small class" (4 or 5 people) action would be in order.

Valued Contributor
Posts: 1,603
Registered: ‎12-07-2008
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Re: RBS/Kroger and US Bank Mess

Any updates with this?

11/30/08 TU 648 EX 672 EQ 656 SEPT 2014 TU 787 EX 789 EQ ???
Amex BCP $24.1K/Clear $8.5- Sallie Mae $27.5 -Cap One QS $7.5 - Chase Freedom $7.5/United $5k/CSP $20k/Ink- Citi DP $9.5/Dividend $13k/HHHx2 $15k/16.4/Reserve $4.5k Best Buy $1940 HD $1701- Discover IT $15k - Elan $8k GEMB Lowes $20k - Macy's $2k - Kohl's $800




Starting Score: 648
Current Score: 736
Goal Score: 765


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