This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX 
