Review and analysis of over 47 complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 47 official complaints related to Payoff process. Out of the 47 consumer complaints against U.S. Bancorp, 28% were disputed by the consumer (i.e. the consumer was not happy with how U.S. Bancorp responded to their complaint) and 100% were processed in a timely manner. 23% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 21% resulted in non-monetary compensation.
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U.S. Bancorp Credit card payoff process November 25, 2016 - - -, 2016 To Whom It May Concern : I 'm outraged US Bank debited my account $570.00 without my authorization after a credit card payment! On - -, I completed an external transfer for $300.00 and $270.00 respectively to my - US Bank credit cards. However I noticed my checking account had double posts from US Bank totaling $1100.00. Immediately I called and spoke to a representative and she confirmed there had been a mistake on their system and expect a refund in four days. I 've called three more times and spoke to several representatives that stated my money can be held ... |
U.S. Bancorp Credit card payoff process November 18, 2016 - I took a cash advance on my credit card on -/-/16. I made a payment on -/-/16 to cover the minimum payment plus the cash advance amount and a little extra to cover the interest. My credit card company applied the full payment to the purchases balance at the lower interest rate. I called them on -/-/16 and the person said that since the cash advance was n't " billed '' yet on a statement, that they did not have to apply the payment to the higher interest rate. My " cut off '' date is around the - of the month. I asked what I needed to do to get that fixed and I was told he ... |
U.S. Bancorp Credit card payoff process October 28, 2016 - US Bank has a promotional offer on their credit card that provides 0 % interest. If you use more than one of the three checks they provide with this offer, the payments you make are applied only minimum payment to the purchase that is due the soonest and applies the remaining payment to the newest transaction, instead of the one that the promotion will be coming due the soonest. Because of this it forces you to pay the balance completely otherwise you are forced to pay interest, this is completely false advertising. Never seen anything like it. Wanted to file a complaint so no one else falls f... |
U.S. Bancorp Credit card payoff process October 1, 2016 - Elan Cardmember Services applied payments that exceed the minimum to new promotional balance vs old promotional balance.... |
U.S. Bancorp Credit card payoff process May 31, 2016 - My bank convinced me to apply for a credit card to protect against over draft fees, since i was asking them to waive - ( the only - I had ever had ). This was - ... By - the interest was out of control and I could only make the minimum pmt. My girlfriend paid the bills and the last time she tried to make a pmt they would not let her because her name was not on the account. I hardly charged anything to my credit card- the balance was interest and late payment fees, so I stopped making payments.. I could n't get ahead. This was around - and I was pretty sure it went to collections... |
U.S. Bancorp Credit card payoff process April 12, 2016 - I filed a complaint last week but I need to add more to it now that it has been a week and I still do n't have my money back. When I first called on Tuesday - - I was told it would be taken care of right away, I called back on the - because it was taken care of, I talked with a manager and we did a - way call to verify with my bank that the money was in fact taken out twice, I was told it was a -3 day proses o have the money returned. That would mean when I called thuesday it would be back by Thursday at the latest. I also called my local US bank and talked to the manager there,... |
U.S. Bancorp Credit card payoff process April 6, 2016 - I made a payment to pay off my us bank credit card in the amount of $12000.00 and us banks system decided to take that payment out twice. So they overcharged me $12000.00. I called them right away once I noticed my checking account was in the red. I was told it would be taken care of right away, the next day the money had not been put back into my account, had to call us bank back and was then told I would have to wait -5 days for the $12000.00 to be given back to me ... ..I told them this was not an option and was not right for them to hold money they should not have removed from my ... |
U.S. Bancorp Credit card payoff process March 17, 2016 - I was very upset to find out that when my promotion ended and my remaining balance went to my contract rate, the additional payment that I made shortly after my statement closed all went to the lowest rate on my account at that time. The rep at Elan Card Services explained that it was due to me still being at a 0 % when the payment was made. The payment was indeed applied that way, however, the - was not still in effect when I made the payment and I was charged for a full 30 days of interest on the part of my balance at the highest rate. They are forcing their customers to pay at least 1 fu... |
U.S. Bancorp Credit card payoff process January 26, 2016 - Formal Complaint and notice of Violation of Credit Card Responsibility and Disclosure Act of - Attn : Office of President U.S. Bank Reference : Account # - Operator : - # - Mr. President, I attempted to call in to your company on -/-/- and make a payment on my account. My account currently shows - separate APR 's and my attempt was to pay off in full the higher interest rate of 23.24 % at the sum of $ -. This would leave the remaining balance of $ - at the lower interest rate of 18.24 %. This would leave me 11 days to pay the " minimum payment due '' before the da... |
U.S. Bancorp Credit card payoff process January 22, 2016 - Used credit card to make purchases. Paid full amount of purchases before end of billing cycle also paid minimum monthly due in addition to paying off new purchases. They applied my minimum monthly payment to zero interest balance. Said they applied above and beyond payment of minimum amount to new purchases. Yet 2 months in a row they charged me interest on purchase 's that had been payed in full and then some. Example I made $440.00 dollars in purchases and paid $550.00 which included the $55.00 minimum payment. Yet the show I have balance with interest of 17.99 % in amount of new purch... |
U.S. Bancorp Credit card payoff process September 14, 2015 - Over the past 18 months or so, I made - balance transfers onto - credit card. The interest rate on each transfer was 0 % until - different expiry dates : -/-/- -, - -, and -/-/-. - This is the order in which they appear on the interest charge calculation page of my bill. ) I paid the minimum amount due every month until -. Every month, that amount was subtracted from the balance with the 0 % expiry date -/-/-. In -, I paid an amount equal to the balance left on the balance transfer with the 0 % expiry date -/-/-. Rather than subtracting that amoun... |
U.S. Bancorp Credit card payoff process July 20, 2015 - Last year I accepted - balance transfers from my - credit card administered by US Bank. The promotional 0 % rate was to end with the - 2015 statement which closed on - -, 2015 - at which point the interest rate would increase to 17.99 %. On the -/-/- statement the remaining balances were listed as $410.00, $1400.00, and $1300.00. On - - and - - I paid $1600.00 and $1000.00 respectively to US Bank in order to decrease the amount that would be charged the high rate, believing that after the minimum payment was met the additional amount would be credited ... |
U.S. Bancorp Credit card payoff process May 8, 2015 - US Banks -online payment system is deceptive. I made a full payment of about $3500.00 online and then I checked the scheduled and pending payments and there was nothing. So I made the payment again and still there was nothing. Now I have made - $3500.00 payments for the balance of $3500.00. Emailed the bank - and have not received any response from them yet. Hopefully they credit me my money back as I can not carry overdrawn in my bank and my bank do n't charge overdraft fee. Their system should not allow making payments for more than what is owed and it should say payment pending ... |