U.S Bank CO-UPDATE ON SITUATION

Question

Last year my friend tried to qualify for a loan but was told that he had a outstanding balance with the bank. He promptly had the balance and thought the issue was solved. Unfortunately he couldn't find a house he liked and stopped looking.At the begining of the this year (2015) he checked his credit via CreditKarma, though it always can't be taken seriously. The Charge Off is still apparently showing and it's got his credit score tanking horribly. He apparently doesn't have the receipt to the transaction, at the time he was still very irresponsible. Not sure how to help him, any advice on what he can do ? Sorry guess I didn't clarify enough. He paid this charge-off during the loan process with the bank representative but as of this year it's still showing as having a balance of $241. It's making his utalization very high, which is tanking his score. He said he paid the full balance. I don't know if he realized that the Credit Card was in Charge-Off status. It wouldn't suprise if he didn't realize it or just doesn't remember the status of the account at the time. 7-9-2015: Apparently there has been some confusion on his part. He asked me to come to the bank to give him some support. The bank rep first told him "Well you should've kept your receipt." Super peach she was. Ha,ha. She proceeded to give him a sticky note....Yes, A Sticky note of what happened to his account in 2011 and 2012. She said he paid off a seperate checking account in 2012, she neglected to write the amount he paid on his lovely sticky note and then told him he actually had 2 credit cards showing as Charged Off. She said the 1st was charged off in the amount of $135 and the 2nd was $244 and that he could promptly pay them off at the bank. He denied ever having 2 CC's and seemed genuinely confused. She threw up her hands and shrugged her shoulders. We left and decided something didn't sound right. 

Answer 1

Does anyone have any experience with dealing with US Bank reguarding Charge-Off's ?   Apparently there has been some confusion on his part. He asked me to come to the bank to give him some support. The bank rep first told him "Well you should've kept your receipt." Super peach she was. Ha,ha. She proceeded to give him a sticky note....Yes, A Sticky note of what happened to his account in 2011 and 2012. She said he paid off a seperate checking account in 2012, she neglected to write the amount he paid on his lovely sticky note and then told him he actually had 2 credit cards showing as Charged Off. She said the 1st was charged off in the amount of $135 and the 2nd was $244 and that he could promptly pay them off at the bank. He denied ever having 2 CC's and seemed genuinely confused. She threw up her hands and shrugged her shoulders. We left and decided something didn't sound right.  We checked one of his credit reports the same night and there's only one Credit Card showing from U.S Bank in the status of Charged Off. It shows the original amount charged off as $135 and then has amounts showing $244. My only idea is that it must be interest, otherwise I have no idea. Any thoughts ?