|
8297651
|
2024-02-07
|
Problem with a company's investigation into an existing problem
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Problem with a company's investigation into an existing problem
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Their investigation did not fix an error on your report
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I had a credit card of U.S.Bank. Last XXXX ( XXXX ) I found out that someone using my card information and I reported my fraud case and asked closing my account as soon as i found it. But after 6months, I still a blance mail from us bank and found out my crdit score is degraded. I called us bank and they told me that they just pending my fraud case and not processing my request so that's why I still got the blance mail and degraded credit score. I want to solve this issue and get back my original credit score Please help me get back my original credit asap
|
| Consumer Consent Provided |
Consent provided
|
|
|
2205726
|
2016-11-12
|
Closing/Cancelling account
|
Credit card
|
|
| Issue |
Closing/Cancelling account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Date Received |
2016-11-12
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
No
|
| Date Sent To Company |
2016-11-12
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
In XXXX, I closed and cancelled an account with US Bank. The balance was paid in full ( see XXXX balance ) About 6 months later in XXXX, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in XXXX.
I spent hour straightening it out with them, and they said that the account was closed ( See XXXX fee reversals balance ).
This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " close '' the account again is to pay the balance in full.
My credit score has dropped because this *closed* account is so past due. I do n't know what kind of business they are running and why they refuse to close it.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8302098
|
2024-02-07
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with balance transfer
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-02-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-02-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11321724
|
2024-12-31
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-31
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-31
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
809931
|
2014-04-15
|
Taking out the loan or lease
|
Consumer Loan
|
|
| Issue |
Taking out the loan or lease
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Consumer Loan
|
| Sub Product |
Vehicle lease
|
| Date Received |
2014-04-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
Yes
|
| Date Sent To Company |
2014-04-15
|
| Consumer Consent Provided |
N/A
|
|
|
10793955
|
2024-11-15
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-11-15
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-11-15
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11740944
|
2025-01-25
|
Improper use of your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Improper use of your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Reporting company used your report improperly
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11573657
|
2025-01-16
|
Trouble using your card
|
Credit card
|
|
| Issue |
Trouble using your card
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Can't use card to make purchases
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-16
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-16
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11738560
|
2025-01-25
|
Problem when making payments
|
Credit card
|
|
| Issue |
Problem when making payments
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem during payment process
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11494691
|
2025-01-14
|
Other features, terms, or problems
|
Credit card
|
|
| Tags |
Older American, Servicemember
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Other problem
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-14
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-14
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Legal notarized doc Power of Attorney became active, and on XXXX was faxed to the company.
onXXXX company was called, agent located faxed doc and proceeded to work on the credit card account in question -lowered credit line -created new account with lowered credit line on original account lowered.
-noted refuted charges -payment on lower amount mailed XXXX 8days lead time 1st class mail before due date.
sometime after XXXX received letter from company to provide my ss # to identify myself that it is there policy. I refused and offered a copy of my drivers license they declined to accept.
new bill in-late and interest balance on refuted amount and said they couldnt talk to me on the account member holder because I didnt give them my ss # for identity.
-
|
| Consumer Consent Provided |
Consent provided
|
|
|
11406985
|
2025-01-06
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Tags |
Servicemember
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Old information reappears or never goes away
|
| Sub Product |
Credit reporting
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11727554
|
2025-01-22
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-22
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-22
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11678162
|
2025-01-17
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with rewards from credit card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
hi! i really like this credit card. but on XX/XX/XXXX, i requested a {$100.00} gift card ( because i have card rewards ) but i never received it, even after waiting 30 days. i called multiple times about it. i was told a decision would be made by XX/XX/XXXX bc an investigation had to happen, so i called then and was told it still wasn't done. they said the rewards card, on their end, was marked as shipped so it had to be invesitagated, they wanted to make sure i didnt get card and spend money etc. that's understandable, but they were already supposed to do that investigation by earlier XXXX and i already waited so long. i was told theyd escalate since it was already suposed to be looked into by now, and that i should call back yet again in another 10 days. rather than go through the rigamarole of keep callingback over and over again and being strung along for something that's not my fault, i thought i'd just contact you. since i never got the card, and the process is problematic, i just want the {$100.00} credited to my statement balance.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11751460
|
2025-01-25
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Banking errors
|
| Sub Product |
Checking account
|
| Date Received |
2025-01-25
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-25
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
|
|
11255664
|
2024-12-23
|
Incorrect information on your report
|
Credit card
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Information belongs to someone else
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-23
|
| Submitted Via |
Postal mail
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-23
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
N/A
|
|
|
11415197
|
2025-01-07
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11296630
|
2024-12-27
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Fee problem
|
| Sub Product |
Checking account
|
| Date Received |
2024-12-27
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-27
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11259910
|
2024-12-26
|
Problem with a purchase shown on your statement
|
Credit card
|
|
| Issue |
Problem with a purchase shown on your statement
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Credit card company isn't resolving a dispute about a purchase on your statement
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-12-26
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-26
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
Elan financial charged my credit card an international fee and a fee to career growth. I called career growth and they have nothing on me. Elan financial refuses to get my money back. They are thieves. I spoke with XXXX at the XXXX 's XXXX. XXXX is very unhelpful, I called XXXX, left her a message and she did not call me back. I eventually spoke with XXXX.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11068257
|
2024-12-07
|
Closing an account
|
Checking or savings account
|
|
| Issue |
Closing an account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Company closed your account
|
| Sub Product |
Checking account
|
| Date Received |
2024-12-07
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-07
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
My account was randomly closed and they tell me it can take up to 30 days to close my account officially and another 2 weeks for them to ship a check. I need access to my money and need to know what is going on this is unacceptable. If they don't want to continue their relationship with me that is fine i just need my funds
|
| Consumer Consent Provided |
Consent provided
|
|
|
10986155
|
2024-12-01
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account information incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-01
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-01
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11398666
|
2025-01-06
|
Problem with a lender or other company charging your account
|
Checking or savings account
|
|
| Issue |
Problem with a lender or other company charging your account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Money was taken from your account on the wrong day or for the wrong amount
|
| Sub Product |
Checking account
|
| Date Received |
2025-01-06
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-06
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
The company stole most of my money. Over the phone the balance was confirmed to be around {$4900.00} but they sent me a check for a little over {$2200.00}... The bank has provided no reason for seizing over half of my funds or gave me anyway to reclaim them or any further information.
XXXX XXXX XXXX
|
| Consumer Consent Provided |
Consent provided
|
|
|
11223125
|
2024-12-19
|
Incorrect information on your report
|
Credit reporting or other personal consumer reports
|
|
| Issue |
Incorrect information on your report
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit reporting or other personal consumer reports
|
| Sub Issue |
Account status incorrect
|
| Sub Product |
Credit reporting
|
| Date Received |
2024-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-12-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11375355
|
2025-01-03
|
Other features, terms, or problems
|
Credit card
|
|
| Issue |
Other features, terms, or problems
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with rewards from credit card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
11369800
|
2025-01-03
|
Advertising and marketing, including promotional offers
|
Credit card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Confusing or misleading advertising about the credit card
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-03
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-03
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I continually receive solicitations in the mail for the XXXX XXXX issued by Elan Financial Services. This marketing is disruptive and invasive. I called Elan Financial services today XX/XX/year> and they advised me they were unable to stop me receiving marketing as XXXX was responsible for the mailers. However, Elan is the issuer and they claim to have no control over their partner 's marketing efforts.
I want this marketing stopped as it is disruptive and Elan needs to control it's cobrand partners and remove me from their marketing list.
|
| Consumer Consent Provided |
Consent provided
|
|
|
11640617
|
2025-01-18
|
Closing your account
|
Credit card
|
|
| Issue |
Closing your account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Company closed your account
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2025-01-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2025-01-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I reached out to XXXX and fraud prevention countless times and they were both working to fix my credit card declined issue that continued to persist after making successful transactions here and there, I proceeded to call and verify myself multiple times for XXXX and eventually got my account closed with no explanation!
|
| Consumer Consent Provided |
Consent provided
|
|
|
10523622
|
2024-10-21
|
Opening an account
|
Checking or savings account
|
|
| Issue |
Opening an account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Didn't receive terms that were advertised
|
| Sub Product |
Checking account
|
| Date Received |
2024-10-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Consumer Consent Provided |
Consent not provided
|
|
|
10517189
|
2024-10-20
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-10-20
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-20
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I had a credit card with a {$99.00} annual fee. Wanting to avoid paying this fee, I cancelled the card after noticing the charge, but I paid the full balance, including the fee, before closing the account. In the past, I was refunded the prorated portion of the annual fee after cancelling, but this time I did not receive a refund. I called and spoke with a representative who informed me that I am not eligible for a refund, even though I cancelled the card on the anniversary date and have not received any services for the annual fee. This information contradicts my previous understanding of how annual fee refunds work for credit cards.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10488291
|
2024-10-17
|
Managing an account
|
Checking or savings account
|
|
| Issue |
Managing an account
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Checking or savings account
|
| Sub Issue |
Deposits and withdrawals
|
| Sub Product |
Checking account
|
| Date Received |
2024-10-17
|
| Submitted Via |
Web
|
| Company Response |
Closed with explanation
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-17
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
1. On XX/XX/XXXX, my employment direct deposit was deposited to US Bank checking account ending in XXXX for {$3400.00}.
2. On XX/XX/XXXX, I scheduled my monthly XXXX XXXX mortgage payment to be withdrawn from US Bank.
3. On XX/XX/XXXX, XXXX XXXX informed me two attempted to process my payment were denied by US Bank, one on XX/XX/XXXX and again on XX/XX/XXXX.
4. On XX/XX/XXXX, I called US Bank to find out why my mortgage payments were declined. Customer service agent XXXX told me US Bank placed a freeze on my checking account because the account was not funded until XX/XX/XXXX. I explained to her that was incorrect and contradicted by US Bank 's own records which were reflected on my checking account showing the deposit of {$3400.00} was process by US Bank on XX/XX/XXXX. I further argued that, even if she was correct, why was XXXX XXXXXXXX XXXX attempt on XX/XX/XXXX also declined? XXXX had no explanation and said there was, " nothing US Bank could do '', in relation to my now late mortgage payment and XXXX XXXX charging me a late fee of {$50.00}.
It is outrageous that a bank can act with such impunity. Through no fault of my own, I now have as late payment record and fee and may have issues having my PMI cancelled.
|
| Consumer Consent Provided |
Consent provided
|
|
|
10500665
|
2024-10-18
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Problem with fees
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2024-10-18
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2024-10-18
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I think their advertising or offer was deceptive. I was a XXXX for 40 years and read everything I believed that I was going to be able to do a balance transfer for zero interest until next XXXX. I wrote the check from the checks they sent me and got a huge transaction fee for sending the check. I never would have written the check ( I dont need the money ) but I thought it was a great deal. Now it was too good to be true. But the deception was real. No explanation of the fee either. Just appears as transaction fee. I just assume it was because I wrote the check.
|
| Consumer Consent Provided |
Consent provided
|
|
|
8023424
|
2023-12-19
|
Fees or interest
|
Credit card
|
|
| Issue |
Fees or interest
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card
|
| Sub Issue |
Charged too much interest
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-12-19
|
| Submitted Via |
Web
|
| Company Response |
Closed with monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-12-19
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I completed a balance transfer with a 12 month 0 % APR XXXX
I did not have any other balance on the account at the time of the transfer.
In XX/XX/XXXX, I received a promotion on new purchases - 0 % for 6 months.
I used the card to pay my taxes.
Therefore I had a promotional 0 % balance transfer until XXXX AND a 0 % transaction on the one and only purchase until XX/XX/XXXX I made a payment in mid XXXX, in the exact amount of the expiring 0 % XXXX balance. This payment was made via a balance transfer from another card, I didn't know the exact date the transaction would post.
My impression from the CARD act was that the payments post in a way that advantages the consumer, not the financial institution.
Instead, this payment posted in the most consumer disadvantageous way. It completely paid off my 0 % XX/XX/XXXX balance. Then the excess paid toward some of the XX/XX/XXXX blanace.
The justification? At the time the payment posted, both balances were 0 %. Since there was no " higher '' interest rate. The payment was applied towards the oldest unpaid transaction, which occurred in XX/XX/XXXX, and the time of my balance transfer.
Therefore, because a payment posted a few days before the interest rate increased, I now lost the remaining 5 months of 0 % interest AND immediately have a balance accruing interest.
This seems completely contrary to the spirit of payments posting in a way that advantages the consumer.
I spoke to a couple of representatives from the financial institution, and while they were somewhat sympathetic, they did not feel they could alter the way the payment posted or revert the 0 % promotion. They simply said the disclosures indicate this is the order payments post when interest rates are equal. I would argue that just because the disclosure states something will be done, it doesn't mean it is lawful to have a policy that can still intentionally disadvantage the consumer.
|
| Consumer Consent Provided |
Consent provided
|
|
|
7150872
|
2023-06-21
|
Advertising and marketing, including promotional offers
|
Credit card or prepaid card
|
|
| Issue |
Advertising and marketing, including promotional offers
|
| Timely |
Yes
|
| Company |
U.S. BANCORP
|
| Product |
Credit card or prepaid card
|
| Sub Issue |
Didn't receive advertised or promotional terms
|
| Sub Product |
General-purpose credit card or charge card
|
| Date Received |
2023-06-21
|
| Submitted Via |
Web
|
| Company Response |
Closed with non-monetary relief
|
| Consumer Disputed |
N/A
|
| Date Sent To Company |
2023-06-21
|
| Company Public Response |
Company has responded to the consumer and the CFPB and chooses not to provide a public response
|
| Complaint What Happened |
I received a promotion that stated : Pay at least one insurance bill with your XXXX XXXX XXXX XXXX XXXX by XX/XX/XXXX to earn a one-time offer of XXXX Reward Points I paid a statefarm bill on XX/XX/XXXX in the amount of XXXX The terms state within 2-3 billing cycles but the promotional points have not posted.
The company responded citing a " recurring bill pay promotion '' which was a separate and distinct promotion from the Insurance bill payment promotion. I am stilled owed the XXXX points.
I have attached their response which incorrectly cites the wrong promotion.
|
| Consumer Consent Provided |
Consent provided
|
|
