Review and analysis of over 111 complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 111 official complaints related to Closing/Cancelling account. Out of the 111 consumer complaints against U.S. Bancorp, 20% were disputed by the consumer (i.e. the consumer was not happy with how U.S. Bancorp responded to their complaint) and 99% were processed in a timely manner. 15% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 12% resulted in non-monetary compensation.
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U.S. Bancorp Credit card closing/cancelling account March 29, 2017 - After my husband was tragically killed, I canceled our - credit card issued by U.S. Bank, submitting the required death certificate. When I sold a car some months later, - - sent a partial premium refund of - to the last card used, which was this credit card. Even though the account had been closed, US Bank accepted the refund! Now they are requiring me to jump though hoops and submit testamentary letters to get the refund, which they promise within 90 days. I am moving in two months, and the post office will not forward mail from my - - because it is part of a larger entity ... |
U.S. Bancorp Credit card closing/cancelling account March 13, 2017 - My US BANK PLATINUM VISA CARD FALSELY REPORTED TO ALL CREDIT AGENCIES that I made a late payment when in fact I had paid off the credit card for years! It is totally astonishing that US BANK PLATINUM VISA CARD company made such a huge error that has such a negative effect on my life. After years of building a perfect credit history, and paying off all my credit cards, I applied for a home loan only to find that I have a " LATE PAYMENT '' reported by your company ( Sometime around -/-/2016 ). I found that very alarming because I had just paid off my US BANK PLATINUM VISA CARD and my balance ... |
U.S. Bancorp Credit card closing/cancelling account March 9, 2017 - So I paid a payment to pay off credit card it was - balance in -/-/- I paid a payments in -/-/- no paymnets in -/-/- and 3 payments in -/-/- including the pay off so -/-/- comes around my - paymnet got returned so instead of them contacting me they closed my hey your payment returned they closed my acct they said it was closed because returned check did n't give me opportunity to pay and told me they are gon na charge it off rudely I may add on -/-/- I contacted them that 's how I found out about this situation now reason my check returned was because I 'm g... |
U.S. Bancorp Credit card closing/cancelling account March 4, 2017 - On or about -/-/-, I called us bank platinum card, and requested a deferred payment, because I was affected by a natural disaster " Hurricane - ''. I was granted a two month deferred payment, my payment is due on the - of each month I was assured that I did not have to make a payment until -/-/-. On -/-/- I received a call from us bank collection stating that I was two months behind in my payments and they were calling me for a payment I inform the collector of my arrangement with us bank and offered to provide conformations numbers - and - -, the collector said s... |
U.S. Bancorp Credit card closing/cancelling account February 17, 2017 - On -/-/2017, I made a request by telephone to have my credit card account closed. On the same day, I sent U.S. Bank a letter to confirm my request. The bank has not responded to my request by closing my credit card, issuing a check for the balance, or transferring the funds to my checking account that I have with U.S. Bank.... |
U.S. Bancorp Credit card closing/cancelling account February 11, 2017 - This Bank is preying and profiting on peoples attempts to rebuild their credit. My story is similar I thought my year was upcoming then I received a Savings Account Statement showing my Secured Deposit - so I called Their customer service is the most untrained, rude I have ever spoken to I inquired did if I received statement as my year was up, she replied yes - no answer when I pointed out it says nothing to that effect anywhere-Then when I asked how to get my deposit she said I could apply for unsecured or close account?? So I asked min qualifying score she said - she thinks??? I said I w... |
U.S. Bancorp Credit card closing/cancelling account February 10, 2017 - I had paid my credit card balance in full and closed the account since I did not find the results of complaint case number - did not adequately resolve my complaint. They have shown for 2 consecutive months that I am over my limit and do not show that I have paid the account balance in full nor closed with positive satisfaction my CC account.... |
U.S. Bancorp Credit card closing/cancelling account January 26, 2017 - I opened up an account a few years ago with U.S. Bank with my then husband - -. After separating, we both went to a local branch to sign myself off all accounts. We sat with a personal banker as I signed my name to be legally taken off all accounts. I found out months later, that an account was hitting my credit, and it was with U.S. Bank. My now ex-husband - - - took out a credit line with U.S. Bank that still had my name and social security number attached. I have no idea what the money was spent on, and he is not paying off the balance as agreed upon. U.S. Bank lied to me abo... |
U.S. Bancorp Credit card closing/cancelling account December 24, 2016 - On -/-/2016 I responded to an offer by Elan Financial for a visa card and was approved for a credit line of $2000.00 on -/-/2016. Shortly after I received my visa card ending in # -. In -/-/2016 I requested an update to my mailing address and phone # and in response I received two separate letters one dated -/-/- & another -/-/2016 both thanking me for contacting Cardmember Services and that they appreciate the opportunity to be of assistance. Regrettably, we are unabe to process your request at this time. Please contact Cardmember Service Dept. @ number listed below. Once I ... |
U.S. Bancorp Credit card closing/cancelling account December 12, 2016 - I have called Fulton Bank 4 times over the last 6 months to close the credit card account of an estate for which I am the executor. Each time, I am told to provide the death certificate and proof that I am executor, and to call back a few weeks afterwards. Each time, I have faxed the requested documentation, and called 3 weeks later, only to be told that they do not have the documents. The last time, they said they got the death certificate but not the proof I am executor. I have faxed the Letters Testamentary from the Surrogate of - County ( stating I am executor ) several times. I have ha... |
U.S. Bancorp Credit card closing/cancelling account December 6, 2016 - I have been a long time Fidelity Investment customer. I have used their Fidelity credit Card which - rewards. This year they moved platform and issuers. The transition has been a horrible experience. I have never missed a payment have 700+ credit. When the moved issuers to Elan. I have not been able to pay due to an ineffective website. To called to cancel my card twice and also sent a complaint through the investment portal. My card has not been canceled not has Fidelity responded to my complaint.... |
U.S. Bancorp Credit card closing/cancelling account November 12, 2016 - In -, I closed and cancelled an account with US Bank. The balance was paid in full ( see - balance ) About 6 months later in -, I get a call from their collections stating that I owed a balance. It turns out that what I thought to be closed credit card had been used for a fraudulent charge in -. I spent hour straightening it out with them, and they said that the account was closed ( See - fee reversals balance ). This morning I get another call from their collections - they had continued to accrue fees on the card for non-payment. They insist that the only way for me to " clos... |
U.S. Bancorp Credit card closing/cancelling account October 27, 2016 - I was informed of a U.S. Bank fraudulent charge account ( ALLEGEDLY ) initiated by my wife, after - on - -, -. I closed a U.S. Bank charge card account back on -/-/- due to the incredibly poor handling of a fraud issue. U.S. Bank was informed in writing, " DO NOT EVER SEND ANOTHER CARD TO THIS ADDRESS. '' Apparently they did and my deceased wife has been using it on her own. U. S. Bank was immediately informed of this discovery by " ME '' shortly after her death. U.S. Bank in turn dumped the entire debt onto the credit bureau accounts under my name. I have never seen... |
U.S. Bancorp Credit card closing/cancelling account October 2, 2016 - e : CFPB Submission # - I am submitting this through the formal complaint process in the hope you can resolve a dispute over my request to close a credit card account. As attorney-in-fact under durable power of attorney for my aunt, - - -, who resides -, I have closed all but - of her many credit card accounts following the death of her husband. However, the bank that issues the - credit card ( U.S. Bank ) refuses to close that account ( ending in - ) unless I agree to add my name to it by providing the bank with my SSN, DoB and other personal identifying information. I... |
U.S. Bancorp Credit card closing/cancelling account September 28, 2016 - Client died -/-/2015. Credit Card from Elan Financial Services is informed of his death by widow. Elan continues to send bills and adds additional charges. Widow pays bill and Elan Financial continues to add new charges. Again contacted by widow and Elan Representative confirms the cardholder is deceased in their system. Assures her all will be handled. It was not. I contacted Elan Financial -/-/-, was assured of the same and it again has not been resolved.... |
U.S. Bancorp Credit card closing/cancelling account September 22, 2016 - Comerica Bank - - - -, California issued me a credit card for a limit of up to - without my permission. This has been going on for over a year now. I go into their bank and ask for them to cancel the card they say ok but never actually do it. I call the number on the statement and tell them what has happened and the operator puts me on hold and never comes back. I never asked for this card and have tried to get them to cancel it on four separate occasions. I am being forced to have an open account. I quit banking with them long ago because of their hard sales programs. My husband s... |
U.S. Bancorp Credit card closing/cancelling account September 17, 2016 - I was told the executive office would reach out to me. They have not. When they do it will be by mail I was told. Underwriting told me to apply for another credit card. According to the letter I received I requested reissue of new cards. No, I did not. I requested my card remain open. They will not cancel my request to withdraw my closure request. The reasons I was given are not clear. Too many accounts opened in a short time? Which accounts? My leased car? I do not understand why my account was audited if all my payments since - 2016 were more than the minimum. This credit card company ga... |
U.S. Bancorp Credit card closing/cancelling account August 30, 2016 - Account was closed without notice and for no reason. I have not used the card for about 2 months and they suddenly just closed all my - credit cards and the points associated with it. I have over - - points on my account. They can not advertise their rewards program and simply close your account once you 've accumulated a decent amount of points. Total bait and switch.Contacted - and refuse to disclose any reason as to why.... |
U.S. Bancorp Credit card closing/cancelling account August 22, 2016 - I got a consolidation loan from my credit - - - -. They submitted a payment for $3800.00 which was an overpayment of $29.00. I received the refund check, but account not closed. Phoned three times, wrote and chatted two times recently. Still have n't closed, saying it needs to stay open for two credit cycles. Now they have charged $3.00 on cash advances! I wo n't pay it. - when check was overnighted, requested account to be closed!... |
U.S. Bancorp Credit card closing/cancelling account August 20, 2016 - I went in today to redeem my rewards points on my Elan Financial Services credit card. I had enough to redeem $170.00. I was unable to redeem this online and called in. The rep said that my account was closed by collections. I asked how this was the case since I have always been on time with payments and my account is at a - balance. After 40 minutes on the phone with them and being blamed for it all I was finally informed why. They said correspondence, likely marketing, was returned to them in - that they mailed me in -. This one piece of return mail forced them to close my account... |
U.S. Bancorp Credit card closing/cancelling account August 8, 2016 - Elan Financial Services closed, I faxed a letter twice on -/-/16 and -/-/16 I was told they would reopened the account. I was told it was closed because there was cease and desist on the account, the supervisor never informed back in -/-/- that they placed the account in no contact status. I found out today the account is still closed both faxes went through on the account. This has been a nightmare and it is affecting my credit, I have never been 30 days later or bounced any checks with them my last payment of $180.00 posted to my checking account today. I gave the bank per... |
U.S. Bancorp Credit card closing/cancelling account July 31, 2016 - In - 2016 - - sent an email to renew my subscription. I replied to say NO. They charged the money to my US Bank credit card anyway. I called US Bank for more than an hour and a half, no one answered the phone. I called - -, they agreed to pay back the money, but refused to pay back immediately.... |
U.S. Bancorp Credit card closing/cancelling account July 14, 2016 - Issue : - US Bank credit card was opened in - - : account - - For 9 months payments were made on-time and frequently - One scheduled payment in - - was returned unpaid by my bank - immediately corrected - In - -, a second scheduled payment was returned unpaid by my bank - Due to this second returned payment, US Bank elected to close the credit card account completely - In doing so, US Bank confiscated - reward points earned over the lifetime of the account, valued at $2800.00 Notes to complaint regulator : - This is the third complaint I am filing against US Bank with... |
U.S. Bancorp Credit card closing/cancelling account July 6, 2016 - I 've had - cards with US Bank and their subsidiary Elan Financial for several years : Account - - - - Account - 2000 - - Account - - - - My accounts have ALWAYS been paid on time, and I usually would pay off the balance each month. My credit history is perfect with a 10 % or less credit utilization and a -+ FICO credit score. I recently requested an increase on my credit limit so that if I make a large purchase it wo n't take more than 10 % of my credit line and hurt my credit utilization, in turn hurting my score. Instead of just declining my request ... |
U.S. Bancorp Credit card closing/cancelling account June 28, 2016 - I 've had a secured account for years, and among other issues, i 've recently tried to close my account. It is secured with a $750.00 deposit through a local credit union who uses Elan Financial Services as a provider for the cards. I have paid my balance down to $750.00. In other words, my deposit and my balance bring our relationship to a $0.00 sum. I told them i wanted to close my account over the phone. They told me since my account is secured, I needed to provide information in a letter, faxed to a given number. That number is no longer in service. I called back and they appologized... |
U.S. Bancorp Credit card closing/cancelling account June 27, 2016 - This is regarding my experience with Elan financial services. I had moved to -, - and became working resident here since - 2013. I was locked out of my online account as I was using a different computer. Upon calling customer assistance they told me I needed a current credit card to be able to have access to my online account. However, my current credit card was sent to an old address in - Colorado. Another thing worth mentioning is that the mail system in - is extremely corrupt and I received about - % of my mail sent from the U.S. The supervisor told me that the only way I ... |
U.S. Bancorp Credit card closing/cancelling account June 8, 2016 - I opened a secured credit card with a credit line of $500.00 at US Bank in - 2016. I had charged $490.00 to the card. On - - 2016 i decided to close the account and submitted my request in writing. On or around - -, 2016 I called US Bank and the credit card had been closed and they took the initial $500.00 secured deposit and applied it to the balance which made a credit balance of $0.00. On - - I was charged a $29.00 annual fee. I called US Bank on - - and was advised that they would go ahead and waive the annual fee by submitting a request and that it wou... |
U.S. Bancorp Credit card closing/cancelling account May 24, 2016 - I opened a business credit card account with Union Bank and - last year with cards for my employees. I do not have a card because I do n't need -. In - of this year they sold my account to a new servicer but did n't include my information as the account and business owner. Since then I have been trying to pay my bill, but I ca n't access the account because I do n't have a card and the new servicing company, - -, requires that I make a new credit application in order to be added to the account and gain access - to an account I already applied for and already own. - The accoun... |
U.S. Bancorp Credit card closing/cancelling account May 23, 2016 - I call the credit card line to cancel my card and they transfer my call 3 times and hang up on me at the end of - minutes wait. I could hear them whispering on the background! Credit card company US Bank. ... |
U.S. Bancorp Credit card closing/cancelling account April 21, 2016 - My ex-husband and I held a joint credit card account. When I applied for a loan recently, it was brought to my attention that this particular account was overextended and in default. My ex-husband was responsible for closing this account and opening a new - after our divorce, thus removing me from it entirely. Since he has not, the status of the credit card is adversely affecting my ability to purchase a car or a home, which I plan to do at the end of the year. I paid the account off in full in - before our divorce was final in -. ... |
U.S. Bancorp Credit card closing/cancelling account April 15, 2016 - Us Bank has charged off an account and continues to report and inaccurate balance to the credit bureaus which has hurt my ability to obtain credit. Us Bank continues to verify the account with the burueus but has failed to validated and verify the account with me and the FCRA clearly states any account that cant be verified with original documentation and signatures must be deleted from the consumers credit file Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be ad... |
U.S. Bancorp Credit card closing/cancelling account April 6, 2016 - - -, - Ref. No : - Re : U.S. Bank National Association -, - Dear - - : Thank you for contacting the Federal Deposit Insurance Corporation ( FDIC ). The FDIC 's mission is to ensure the stability of, and public confidence in, the nation 's financial system. To achieve this goal, the FDIC has insured deposits and promoted safe and sound banking practices since -. The Dodd-Frank Wall Street Reform and Consumer Protection Act created the Consumer Financial Protection Bureau ( CFPB ). Based on our review of the issues you raise in your correspondence, we believe your co... |
U.S. Bancorp Credit card closing/cancelling account February 19, 2016 - I signed up for a - Secured account ( paid $300.00 ) but was n't made aware of the $35.00 annual fee so when I got the 1st bill, I called the bank rep who sold me this product and cancelled the card because I NEVER sign up for cards w/annual fees. I did charge $58.00 so I asked for my $240.00 in writing on -/-/2015 and have yet so receive it even after attorney letters went to them. They did send - cks ; - for $120.00 and the other $55.00 but those cks add up to $170.00 and were not cashed. So where is my full $240.00? ... |
U.S. Bancorp Credit card closing/cancelling account February 3, 2016 - I applied for a Credit card with U.S. Bank and was approved for $1000.00. I did not want the card and let them know within 1 hour of receiving it. I ask them to not activate it and to cancel my application. They said they ca n't. This Credit card from U.S. bank will hurt my credit report and score so I did n't want it. I told supervisors with U.S. Bank That I did not want the card but they are forcing it on me. This does n't seem right. I never used the card but they say that it activated and they ca n't cancel it without it being on my credit report as a canceled card. Their own representat... |
U.S. Bancorp Credit card closing/cancelling account December 23, 2015 - US Bank has closed - accounts and - out the credit limit on - other credit card accounts and has confiscated about $9000.00 worth of reward points without warning. No letter has been sent advising reasons for the closure. Repeated request for comment by the company has been left unanswered. ... |
U.S. Bancorp Credit card closing/cancelling account December 14, 2015 - Elan Financial Services, offered a card through my bank - - in NC and closed it for non payment, with no notice. In addition, no invoices were sent and I was unaware there was a balance on my account. Clearly this is going to impact my credit rating. I used the card and then stopped usage of the card due to fees, and did n't use that card for many months ( around 9 months ). When I called about a question related to points, the firm informed me they closed my account for non payment, with no written info or calls. I validated that Elan Financial Services had my correct mailing and phone... |
U.S. Bancorp Credit card closing/cancelling account November 18, 2015 - My credit card accounts with US Bank were all frozen and later closed, $ - worth of reward points were confiscated with no notice. I have never paid late or broken any of their terms and conditions. ... |
U.S. Bancorp Credit card closing/cancelling account October 6, 2015 - On -/-/-, U.S. Bank Card Services decided to close my credit card account with a limit of $22000.00 that I have had since -/-/-. In a letter dated -/-/-, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all - of my credit bureau reports. I informed them that I had to place a security freez... |
U.S. Bancorp Credit card closing/cancelling account September 25, 2015 - On - I accessed MY credit reports from the - credit bureaus and found a credit card account which was opened at - in the name of - - -, my mother showing as Open ''. My mother passed away on -/-/- and as the Personal Representative '' of the estate I contacted - who services the account under the name of Elan Financial '' credit card of her death via written correspondence dated -/-/- and -/-/- providing them copies of her death certificate and the Letter of Administration '' from the - - Maryland Register of Wills Office. I contacted - on -/-... |
U.S. Bancorp Credit card closing/cancelling account September 22, 2015 - Hello - I opened an account with US Bank approximately 2 years ago. I was a secured credit card '' - the terms were that I deposited $5000.00 into a secured account and was granted a credit card with a limit of $5000.00 corresponding to my secured account. I decided to close this account -/-/2015 and had difficulty discovering the process to close the account. Finally I submitted a request in writing to close the account -/-/-. I was told my $5000.00 would be refunded shortly. On - -, 2015 I was told again that my check was being cut and was being mailed that week and I wou... |
U.S. Bancorp Credit card closing/cancelling account September 17, 2015 - Horizon Card Services was a rip off card service that I used back in - and quit using in -. I have been having problems with them closing out the account and I have tried many times. I just checked my credit reports and it is still showing as open. I last contacted them in - - and there is still no resolution. They keep trying to keep me on as a customer and I do n't want to be and I owe them no money. I am tired of calling and asking them to close my account as it seems they never will. ... |
U.S. Bancorp Credit card closing/cancelling account August 17, 2015 - I got a secured card through Bank of Oklahoma, who does their credit cards through lan. I 've had it for almost a year and they charged me an annual $35.00 fee for the first year, I asked to have the card switched over to a card with no annual fee because I always pay my bill in advance and never keep a balance. They would n't give change it without another annual fee so I asked that the account be closed. After I faxed them the letter they requested to close it I received a letter from them stating I would not receive my $300.00 deposit until the review period which lasted until - -... |
U.S. Bancorp Credit card closing/cancelling account June 4, 2015 - ELAN FINANCIAL '' FILED A FALSE ; FALSE! POSTING ON MY ACCOUNT THAT IT WAS NOT ONLY CLOSED, BUT MY REVOLVING BALANCE TO BUILD MY CREDIT HEALTH '' WAS ZEROED OUT ALONG WITH AN UNPAID STATUS. THIS ALONG WITH A RE-INSERTION OF A PREVIOUS PAID ACCOUNT THAT SHOWED CLOSED, LATE AND UNPAID AFTER SHOWING THE DIRECT OPPOSITE THE DAY PRIOR WHICH WAS PAID WITH A - BALANCE RESULTED IN MY CREDIT SCORE DROPPING - POINTS IN A MATTER OF 12 '' HOURS. I WILL PROVIDE THE DIFFERENCE OF INACCURACY DESCRIBING THIS IN FULL DETAIL WITH THE ATTACHED FILES IN FULL DETAIL! -/-/15 - -/-/15. ... |
U.S. Bancorp Credit card closing/cancelling account May 21, 2015 - I was informed by letter by - VISA that the company would be switching to mastercard. This switch would take place beginning in - and the old VISA cards would remain active for 30 days after receiving the new mastercards or until - 2015. However the company canceled my Visa card before the new mastercard arrived. This caused my automatic payments to be declined causing me additional fees. This also occurred while I was in a different city, effectively stranding me without my only credit card. I contacted the customer help number on the card and was informed that after an account has b... |
U.S. Bancorp Credit card closing/cancelling account May 14, 2015 - Dear Madam/Sir, I received a credit card from Coamerica Bank. Before using I called customer service to get approval. They now have cancelled my card. Please help me. I am faxing my support documents of - pages @ fax # -/-/-. Thanks for looking into my issue. Very Sincerely, - - ... |
U.S. Bancorp Credit card closing/cancelling account May 2, 2015 - I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed - is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. My social is - ... |