U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Balance transfer fee Arizona

I was a US Bank credit card holder for over 12 years. During that time, I have never missed a payment and my account was always in good standing. Last year, I transferred the entire statement balance of $4300.00 to a different credit card. This brought the balance to zero and I was finished with this card. Recently I applied for a home refinance loan and was denied due to a delinquency on my credit report. It was only then that I discovered that US Bank had marked my account as 90 days delinquent for charges of residual interest, which had nothing to do with the original debt. I did not receive any notification or phone call from US Bank stating that I had additional debts to pay off. I paid my monthly charges online through my bank 's bill pay system and did not receive paper statements in the mail. Had I known about these additional


Once I learned of the residual interest charges, I immediately contacted US Bank. I spoke to a customer service representative who told me to fax a letter to the - at US Bank to explain what happened and to have them remove the delinquency from my report. A few weeks letter, I received a generic letter in response, which had nothing to do with my situation and they let me know that they were not going to remove the delinquency from my report. I called US Bank again and spoke to both a customer service representative and a supervisor. I asked repeatedly if I could pay them the residual interest charges, but the bank refused to help with the situation. I asked them if there was anyone at all that I could talk to or anything that I could do and they would not help me. It is extremely frustrating that a loyal customer of over 12 years has been treated this way. I have never been delinquent in any of my credit cards and have always paid on time. After I transferred the balance of $4300.00, there was no indication that anything else needed to be done with this credit card or that I needed to sign back into my US Bank account, as I ceased using this credit card. This is unjust and unfair.