Credit card -- Trouble using your card -- Complaint #10777133
Complaint Overview
Complaint ID: 10777133
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Credit card company won't increase or decrease your credit limit
State: Hawaii
ZIP Code: 96797
Date Received: 2024-11-12T12:00:00-05:00
Date Sent to Company: 2024-11-12T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/year>, I made a payment of {$900.00} to my U.S. Bank credit card, expecting that the funds would be promptly available as credit. However, my available credit was not updated after the payment was processed. I contacted U.S. Bank multiple times ( on XX/XX/XXXX, XXXX, XXXX, and XXXX ) to inquire about this issue and request a resolution. On XX/XX/XXXX, I initially reached out via chat, where the representative advised me to call for more information. When I called, the phone agent informed me that the funds would be available the following day. However, during the chat session, I was also told that the funds would not be available until as early as XX/XX/XXXXXXXX XXXX or as late as XX/XX/XXXX, with a typical hold period of 7-10 calendar days. As of today, the credit is still not available. This delay has significantly impacted my ability to access the credit I need for timely bill payments. I was not informed about this hold policy before making the payment to my credit card. If U.S. Bank had disclosed this delay in advance, I would have made other arrangements. The lack of transparency surrounding this policy has led to financial hardship, as my bills are now delayed due to this unexpected restriction on my funds.
Frequently Asked Questions
What is Complaint #10777133 about?
Complaint #10777133 was filed against U.S. Bancorp regarding Credit card specifically about Trouble using your card. It was received by the CFPB on 2024-11-12T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.