U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Credit line increase/decrease Pennsylvania

CFPB DISPUTE - -, - - - - with Elan Financal VISA # - REASON : NO resolution after contacting bank on Saturday, - - My ELAN Financial Visa x - experienced this cycle to lower my credit limitbased on a missed debit by Elan 's Autopay, which supposed to have drawn my minimum due ( of $190.00 ) on - -. I activated - - earlier last month. It had shown active '' and gave me no indication of any delay in processing this setting either. Yet after I contacted Elan supervisor -, - - to inquire, nothing resolved. I ask my my credit limit to be re-instated. By the way, last month this same Autopay feature had malfunctioned in the opposite direction, in other words, debited - the need for my minimum payment by not recognizing my satisfying such payment weeks before it was due! My minimum, due by - - - but paid on - - - I learned this amount was processed again on - - via my


IS due. After my pointing out that - Autopay recognizes payments this way, THEN Elan supervisor claimed that IF ELAN Autopay had recognized a payment made, this would hinder a cardholder 's paying more than the minimum, which is absurd. Irony is, that upon my setting up Elan Autopay originally on - -, my inquiry had consisted to ask my rep about the possibility of the system - debiting a minimum amount which is due, after it was satisfied, but without minimum showing anymore as due for that respective cycle. She gave me a false answer, to say that it would not do so. ( I had even asked her again, -! ) When this subject was discussed -, - - Elan supervisor explained a policy of payments not recognized, when they are paid within 3 days of due date ( mine, - - ) but that did not take place here, nor was that part of the question! I did ask for my request to re-instate my credit limit to be notated, # - yet I was also told the credit department '' would not talk to me, its cardholder without a reference number printed on a postal letter, which could take weeks. He apologized - BUT UNFORTUNATELY ... .. COMMENTARY Such unfair bank practices should become unlawful. Practices which allow banks to escape accountability to its customers ; to proffer false answers frequently, or set up 'electronic traps '' for us to fall into, should become unlawful. A way to pave a path for a a bank to levy undeserved fees, which may go unnoticed, only to encounter some knowing apology on cue '' ( yet no refund ) should become unlawful. No customer who pays regular on-time payments should suffer a loss simply because banks have more buttons than we do !! A proverbial lesson somewhere in some gym class : Children, we must teach you today, that in order to become a winner in the game of tennis - - AS IN LIFE - everybody 's gon na need ... A RACQUET!!! - - -