Consumer complaint received 2022-03-30
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In XX/XX/XXXX, I received my XX/XX/XXXX statement from US BANK for my XXXX XXXX XXXX XXXX XXXX ending in XXXX. The balance on this statement was {XXXX}. The due date to make a minimum payment of {XXXX} was XX/XX/XXXX. 

On XX/XX/XXXX I paid {XXXX}. This was the total balance on the US Bank XX/XX/XXXX statement. I have not made any purchases on this credit card since I paid off the {XXXX} balance. 

I thought that this credit card was paid in full so I never thought of reviewing my subsequent credit card statements. 

However, on my attached XX/XX/XXXX statement for my credit card ending in XXXX, the statement shows that the {XXXX} balance for my previous statement was paid with a payment of {XXXX} and US Bank added " Fees Charged '' in the amount of {XXXX}. US Bank represented on my XX/XX/XXXX statement that my balance was {XXXX}. Then, after I paid the outstanding balance in full, they added a {XXXX} charge to my account. To add insult to injury, these scammers started charging me interest and late fees on the fraudulent {XXXX} unspecified fee they added to my account that had a {XXXX} balance. 

After recently making a purchase using this US Bank Credit Card, ending in XXXX, I found out a few days later that my purchase was canceled. Today, when I looked at my US Bank credit Card statement, I saw that US Bank has been charging me the following fees each month : LATE FEE - PAYMENT DUE ON XX/XX/XXXX {XXXX} MINIMUM INTEREST CHARGE FEE {XXXX} As of XX/XX/XXXX, US Bank alleges that I have a {XXXX} balance on my account as a result of charging me late fees and interest charges on my credit card ending in XXXX that I paid off on XX/XX/XXXX. 

Although the amounts are not great here, I believe that US Bank has used these false and fraudulent charges to make a report to credit reporting agencies that has damaged my credit score, frozen my US Bank credit card ending in XXXX so that I can not make purchases. I didn't know that US Bank was making fales and fraudulent charges to my US Bank credit card ending in XXXX because I assumed that when I paid off the credit card with my XX/XX/XXXX {XXXX} payment there would not be any further charges made to my credit card account unless I made future purchases. 

On XX/XX/XXXX, I paid the false and fraudulent {XXXX} charges to stop US Bank from continuing to damage my credit. 

US Bank should refund my {XXXX}, remove any negative credit reports they have made to credit reporting agencies, and reinstate my purchase that was canceled as a result of their false and fraudulent charges to my US Bank credit card ending in XXXX. 

Finally, I have tried to contact US Bank by telephone. However, when I do I am put through a voice mail system asking for my credit card number. After I input my credit card number and listen to a message, I am sent to another part of their voice mail system where I have to enter my credit card number again. I am then told that I will be sent to an operator. When I finally get to an operator I am told they are closed. 

Also, the appropriate US Government consumer protection agency should investigate US Bank for this late fee/minimum interest charge scam that US Bank is engaging in. If you multiply the number of customers being defrauded by what I believe is a scam that may add up to millions of dollars being taken from consumers misled or lied to by US Bank.

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 monetary relief