U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Advertising and marketing Ohio

In -, a US Bank representative contacted me about my - - card with them and offered me a - plus card. He stated they had a balance transfer option with 0 % APR that would save me a lot of money by transferring my Plus balance to. I informed him at that time, I was looking for a vehicle and did n't want a hard inquiry on my credit, so I would apply online after my search as I had a lot of home improvement projects coming up I 'd like to put on credit. In -, I went ahead and applied for the Flex Plus and was instantly approved, I went through the motions of a balance transfer and my Cash Plus was not available as an option. SO I called and spoke with - at their - number and she told me I could get around the issue by going to my online account, selecting my card, entering the promo code - and entering MYSELF as a payee. She said then funds would be sent to my checking account, at which time I could use them to pay off my current - - card and essentially get


not honor the balance transfer that I was promised, so I requested due to false and misleading information provided to induce me to apply and result in a hard inquiry on my credit, they close the account, and remove the inquiry. I was told a manager would call me back. No one called back after 3 days, I called in and was left on hold for more than 25 minutes. I called again and I was informed that the managers would call back. I explained i t had been nearly a week and no one was responding, she said it could take 3-5 business days. That time had passed. It has now been nearly 3 weeks and US bank refuses to respond to their deceptive practices that resulted in a - point drop in my credit score which was - at the time of my application and dropped to - when I was approved. Had I known they would not honor the PROMISED balance transfer of my $2000.00 balance on my Plus card, I never would have applied as my current plus card has a - limit. My ONLY motivation for applying was the misleading and false solicitation by US bank promising me a balance transfer of 0 % APR on transfers and purchases for the first 12 months. I would like US bank to honor their original DOCUMENTED promise of a balance transfer, or, in the alternative, refund interest from last month on my current card and apply an interest freeze for 11 months to honor their original offer and promise of this promotional rate. US bank has violated the CARD Act and I am harmed by their intentional misrepresentations and refusal to mitigate or even respond to my complaint.