U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Delinquent account California

US BANK CREDIT CARD STATEMENTSCARD WAS OPEN - OF - WITH A - PERENT INTEREST- Explained to us bank about my us that I had a income cut because of divorce and ask for a hardship program. This request went on for the last 6 months. No one would offer me help. I had a fico score of - and now it dropped - points. Only after they reported me 30 day late they begin to offer me help ; which I found out through money management. So, I called us bank alerting them that I found out about their program and they suddenly begin doing application ; which was on -/-/-. The program wanted me to pay - and they would not compromise and said that 's all they can offer. Around - I called and spoke to a supervisor name - who was rude and thought my situation was a joke. After going back in forth and pulling teeth by asking ; what is your rule and policies when you ask for help - what status your account have to be in, and she said no status it is up to the customer service rep and then chuckled.


been ruined because us violated Obama - act by not allowing me to opt out of the card by not sending me a 45 day notice that my - percent interest card was going up to close the card. US bank violated my rights as a consumer by not disclosing my rights. Each supervisor and customer service had a choice to use morals and ethical codes to assist me. Because they did not follow Obama - act they violated my rights by not allowing me to close my card and opt out of the high interest rate. They violated their ethical principles - uncompromising intergrity by not doing the right thing and disclosing the property information by not being truthfulThey did not respect my hardship in leaving an abusive marriage when interacting with telephone calls and not documenting calls, They did not take responsibility for their mistakes after I made repeatedly calls when I mention my rights were violated. They did not respect citizenship by following laws that govern banking practices. Rules : affective - - - - - c ) ( - ) : 45 day change in terms ( they violated this rule, no letter or warning was given to me ) The rule is to provide advance notice and proficient time to respond to a change - in term notice.. ( I could of opt out and closed the card and got a lower interest rate at the time where my fico was - -. This card act allows the consumer to reject the change, subject to certain exceptions- 1 notify the customer the right to reject the change before the effective date 2. Provide instructions for rejecting the change and if applicable 3. Provide the consumer reject the change, his ability to use the account for further advances will be terminated or suspend.