Credit card -- Fees or interest -- Complaint #11508180
Complaint Overview
Complaint ID: 11508180
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-Issue: Problem with fees
State: North Carolina
ZIP Code: 27511
Date Received: 2025-01-13T12:00:00-05:00
Date Sent to Company: 2025-01-13T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
US BANK XXXX XXXX Regarding my Statement XX/XX/XXXXXXXX XXXXXX/XX/XXXX I received XXXX, I noticed late fees and interest charges so I called XXXX and talked to XXXX XXXX XXXX XXXX. My concern was a Late fee of {$30.00} and an Interest charge of {$42.00}. We discussed the issue and both agreed she would reverse both fees. These reversals show on my new Statement ending XXXX ; the post dates of reversal are XXXX, XXXX and XXXX. I said I would send a check for an adjusted amount of {$870.00} which I did with check # XXXX on Wednesday XXXX. So looking over my new Statement ending XXXX, I saw another Interest Charge of {$12.00}, so I called and spoke with XXXX XXXX XXXX XXXX question the purpose of the charge. She ended the call without fully explaining the issue telling me someone would call me the next day. That evening I received an email explaining The interest charge was assessed because the statement balance was not paid in full by the due date. Quite frankly this does not make sense I already had XXXX clear this. I believe my balance due should be XXXX not XXXX ( XXXX XXXX ) On XX/XX/XXXXXXXX I wrote a letter to US Bank explaining in detail the situation and included a print of my transactions for all of XXXX and their dates of when they purportedly received and posted my checks. I asked for a reversal of the Interest Charge.
Frequently Asked Questions
What is Complaint #11508180 about?
Complaint #11508180 was filed against U.S. Bancorp regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2025-01-13T12:00:00-05:00.
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.