Credit card -- Fees or interest -- Complaint #8326558
Complaint Overview
Complaint ID: 8326558
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: California
ZIP Code: 90806
Date Received: 2024-02-11T12:00:00-05:00
Date Sent to Company: 2024-02-15T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I have a statement balance with purchases of {$820.00} on my XXXX Statement that is due on XX/XX/24. I have made 2 payments of {$410.00} on XX/XX/24 and XX/XX/24 respectively to pay the statement balance of {$820.00}. US bank access a finance charge of {$17.00} in which i have disputed with a phone call on XX/XX/24. The representative that i have spoken to said that she will going to forward the request to another department for determination. She got my contact number and claimed that if i do not hear from USBank by the end of business that day, the finance charges will be reversed and will take 5 days to process. On Friday, XXXX XXXX i checked my account online and not only that the finance charge of {$17.00} was not reversed, But US bank has also added {$10.00} interest to my XXXX statement with a statement balance of {$470.00} due on XX/XX/24. I scheduled a payment of the statement balance on XX/XX/24. I spoke with supposedly spoke to a supervisor named XXXX ( woman ), she can not explain to me why finance charges were applied for both months where the statement balance with purchases were paid in full. She keeps on claiming that the finance charges are applied correctly, she was overtalking me when i challenged her with statements. In XXXX XXXX a manger called me and discussed the issue and i thought this issue has been resolved already and will not have any problems with it. She has reversed all the finance charges applied incorrectly to this account from XXXX.
Frequently Asked Questions
What is Complaint #8326558 about?
Complaint #8326558 was filed against U.S. Bancorp regarding Credit card specifically about Fees or interest. It was received by the CFPB on 2024-02-11T12:00:00-05:00.
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.