U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Credit line increase/decrease Oregon

RE : Elan Financial Services Cardmember Services -. - - -, ND - I had the worst possible experience with Elan Financial Services. I needed to exceed my credit limit this one statement cycle, because an immediate payment was necessary to a travel agency for a trip booked within less than 90 days. Elan rejected it, because it caused my credit limit to be exceeded. Understood.


After spending hours, almost the entire day of - -, 2016 back and forth on the phone with them being given false promises, complying with their every demand and going out of my way to accommodate their unreasonable requests ( like faxing the last two years of our taxes ), they still did not allow a credit card payment to go through. I even gave them the routing number and account number of my online savings and offered to pay what was already posted for that month + what the new charge would be - immediately, before the new charge even posted. They would n't even allow me to do that! I had no recourse. Furthermore, I was strong-armed into applying for a permanent credit line increase, which I neither need nor do I want. They were, in essence, messing with me. BTW, I have never carried a balance in my life and I 'm - years old. Our credit rating is exemplary. So, I 'm having a hard time letting this rest. My first question to legal counsel here was about whether Elan Financial Services had the right to require faxing of my tax forms. He said that he had never heard of that, but that a credit card servicing organization is, technically, a creditor, so maybe they do have that right. In regards to your question below, I neither hired an attorney nor filed legal action - yet. I paid for counsel and my lawyer advised me to file a report with the CFPB. I posted the payment to another credit card before day 's end, but that lost me points in cash-back, hence the $110.00 that I am claiming as damages. That 's all I 'm claiming ; however, further damages are to my - score because of an unnecessary hard pull, which has no intrinsic value attached to it, I guess, but the cost in terms of my time and aggravation is over the top. I ca n't even begin to describe how rude and disrespectful they were to me. Thanks for your attention to this matter.