Credit card or prepaid card -- Advertising and marketing, including promotional offers -- Complaint #4588777
Complaint Overview
Complaint ID: 4588777
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-Issue: Confusing or misleading advertising about the credit card
State: Florida
ZIP Code: 33547
Date Received: 2021-07-30T12:00:00-05:00
Date Sent to Company: 2021-07-30T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a promotional balance with my credit card that is expiring within the next two months - Ive applied XXXX in payments to pay off the promotional balance. However, US Bank is refusing to allocate the payments to the promo that is expiring. They will only allocate the payments to the remaining balance which means Ill never get this card paid off. The practice to not allow a customer to allocate a payment to a promotional balance within the last two months of the promotional period is an abusive practice as it doesnt allow the customer to pay off their promotional credit. Please help!
Frequently Asked Questions
What is Complaint #4588777 about?
Complaint #4588777 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Advertising and marketing, including promotional offers. It was received by the CFPB on 2021-07-30T12:00:00-05:00.
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 or prepaid 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.