U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Forbearance / Workout plans Ohio

I have been a US Bank account customer for about 10 years. I believed most of the 10 years I paid and used the account with no problems. However due to a decrease in my income I sought help with US Bank and they said they were n't able to help lower my interest and or my monthly payment. I sought assistance with - -, a debt management company. - - charged me a fee of $30.00 and I sent the fee along with the monthly payments they negotiated with the banks. However, after paying - -, I learned that my payments were not being received timely to my accounts, and that I was left with zero to even pay my necessary bills. I cancelled my contract with - - and contacted all banks myself. I was able to acquire a more reasonable payment plan and lowered as well as ZERO interest rate from the banks, except US Bank. US Bank claims that I can not cancel my agreement with - - and that I am required to pay US Bank the same amount $190.00 that was negotiated by - -. In order to keep my home and not default


-/-/- I was diagnosed with - -. I had the surgery on -/-/- for removal of the -. I have been trying to get US Bank to consider my situation before I have come to CFPB for help. I am in dire straits now as I only have $11.00 in my bank account and I have had to go to the VA hospital for my follow up - appts and I am feeling like things are very bleak. I do n't know how things are going to turn out now. I believe that US Bank is holding me to a contract I made with - - and this is not right. Please help me.