Credit card or prepaid card -- Problem when making payments -- Complaint #5008358
Complaint Overview
Complaint ID: 5008358
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-Issue: Problem during payment process
State: California
ZIP Code: 94040
Date Received: 2021-12-14T12:00:00-05:00
Date Sent to Company: 2021-12-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On the US Bank, it shows that we have around XXXX in available credit. but when we try to use it it keeps on being denied. When I called i was advised that the payment is still processing. Yet when I a payment is made it states that payments from US Bank checking accounts are processed immediately. Today XX/XX/XXXX my employee tried using the card at a hardware store in XXXX XXXX. It got declined. The purchase was for {$50.00}. On XXXX XX/XX/XXXX when I spoke to reps they both advised that the payments have not gone through, yet the XXXX on the app still showed we have XXXX available. Because of this deceveness we ended up using the our debit card and had a purchase of XXXX. Our vendor advised us that the debit payment had not gone through. But now our funds are tied up in a pugatory in which we dont have access to it and our vendor did nit get paid. To add insult to injury, not we are being charged overdraft fees.
Frequently Asked Questions
What is Complaint #5008358 about?
Complaint #5008358 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Problem when making payments. It was received by the CFPB on 2021-12-14T12:00:00-05:00.
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.