Consumer complaint received 2019-04-25
Company: U.S. BANCORP
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I have been upset by the high interest rates and high fees of 3 credit cards I have with US bank in addition to the bank 's sudden drop of my credit limits on one visa. Also, I wish to report the non existent customer service of this bank and the only call center employee who ever answers my calls, XXXX. This self hating man is prejudiced, inflexible, and low spirited. He sounds more like a criminal than a customer service person. Last time I spoke to him was tonight XX/XX/2019 around XXXX. But here I will concentrate on other 3 problems. 1- I learned tonight that US bank is charging me over 25 % for one visa, over % 23 for another, and over % 21 for a third because the bank 's assessment is that I dont have the means to pay my debt! If this is the reasoning, then US bank is made up of psychos who hope with higher interest rates on someone with difficult situation, they make sure the person never meets their obligations. Here I am asking that US bank fires such psychos in the underwriting department and hires people who can help us get lower interest rates such as 5 % so we can pay our bills. The other problem of US bank is that it has charged me several times {$38.00} fees for late payments. I want all of that stolen money returned to me. I have indeed never been late. The problem is that the bank considers central time for the closing of its banks as the cut off time while for me living in CA and other States, its difficult to always remember central time. Just like other banks US bank should follow an exact schedule rather than a confusing cut off time. Additionally, in or around XXXX to XX/XX/2019, the bank had a failing website. For example, in XXXX I had completed my payments on the site but later I found out the site wasnt working and my payments never went through. So I was charged {$38.00} and the belligerent call center men in Idaho denied me the return of my dollars even if I had proof of how i was mislead by the site. The third complaint is about the belligerent treatment I received from US bank underwriters who reduced the credit limit of one of  my visas and hiked my interest rates from already high % 17 to higher % 21-25. The  real reason for this increase was that shortly before I had called a phone number on TV promising to help consumers lower their credit card interest rates! Although the phone call was purely informational, and I never intended to hire that company, the US bank acted in retaliation by reducing my credit limit and raising my interest rates. The unethical behavior of US bank employees has disgusted me especially their rudeness to disregard my appeal. Last but not the least, Im asking the company to diversify its customer service to beyond Idaho and prejudiced self hating men in call centers. There are many good people all over US who need jobs and US bank could do much better.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation