Credit card -- Other features, terms, or problems -- Complaint #19054443
Complaint Overview
Complaint ID: 19054443
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-Issue: Problem with balance transfer
State: California
ZIP Code: 93612
Date Received: 2026-01-27T12:00:00-05:00
Date Sent to Company: 2026-01-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Issue : Failure to process balance transfer within a reasonable time frame, resulting in financial harm. Details : I am filing this complaint against U.S. Bank regarding their repeated failure to complete a balance transfer to my XXXX XXXX credit card, a process that has now exceeded 60 days. XX/XX/XXXX : I initiated the first balance transfer request for {$10000.00}. XX/XX/XXXX : After the first transfer failed to reflect on my XXXX XXXX account, I contacted U.S. Bank and was forced to initiate a second request for {$10000.00}. Current Status : As of today, XX/XX/XXXX, the funds have still not reached my XXXX XXXX account. The Dispute : Despite contacting U.S. Bank representatives XXXX times, I have been given conflicting excuses, including " lost mail '', " lost checks '', " incorrect addresses '' that their own system defaults to, or claims that XXXX XXXX has not cashed the payment. I have verified with XXXX XXXX that no such checks have ever been received. Furthermore, U.S. Bank agents have refused to provide an electronic payment option, claiming they " don't do that anymore, '' despite federal trends toward modernizing electronic payments to prevent exactly this type of mail-related delay. By relying on an unreliable paper check system and failing to ensure delivery for over XXXX months, U.S. Bank has caused me significant financial harm. My promotional XXXX at XXXX XXXX expires at the end of XX/XX/XXXX, and due to U.S. Banks negligence, I am now facing approximately {$300.00} in interest charges that would have been avoided had the transfer been handled competently XXXX months in advance.
Frequently Asked Questions
What is Complaint #19054443 about?
Complaint #19054443 was filed against U.S. Bancorp regarding Credit card specifically about Other features, terms, or problems. It was received by the CFPB on 2026-01-27T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". 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.