Consumer complaint received 2015-09-10
Company: U.S. BANCORP
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
US BANK CREDIT CARD STATEMENTSCARD WAS OPEN XXXX OF XXXX WITH A XXXX PERENT INTEREST- Explained to us bank about my us that I had a income cut because of divorce and ask for a hardship program. This request went on for the last 6 months. No one would offer me help. I had a fico score of XXXX and now it dropped XXXX points. Only after they reported me 30 day late they begin to offer me help ; which I found out through money management. 
So, I called us bank alerting them that I found out about their program and they suddenly begin doing application ; which was on XXXX/XXXX/XXXX. The program wanted me to pay XXXX and they would not compromise and said that 's all they can offer. 
Around XXXX I called and spoke to a supervisor name XXXX who was rude and thought my situation was a joke. After going back in forth and pulling teeth by asking ; what is your rule and policies when you ask for help - what status your account have to be in, and she said no status it is up to the customer service rep and then chuckled. 

The next day, XXXX I spoke to clearance moore about XXXX behavior and he said he would review the audio and call me back, I left messages on XXXX and XXXX for his feedback. 
Today, XXXX I called us bank and spoke to XXXX, and motioned that my credit has been ruined because us violated Obama XXXX act by not allowing me to opt out of the card by not sending me a 45 day notice that my XXXX percent interest card was going up to close the card. 


US bank violated my rights as a consumer by not disclosing my rights. Each supervisor and customer service had a choice to use morals and ethical codes to assist me. Because they did not follow Obama XXXX act they violated my rights by not allowing me to close my card and opt out of the high interest rate. 
They violated their ethical principles XXXX uncompromising intergrity by not doing the right thing and disclosing the property information by not being truthfulThey did not respect my hardship in leaving an abusive marriage when interacting with telephone calls and not documenting calls, They did not take responsibility for their mistakes after I made repeatedly calls when I mention my rights were violated. 
They did not respect citizenship by following laws that govern banking practices. 
Rules : affective XXXX XXXX - XXXX XXXX c ) ( XXXX ) : 45 day change in terms ( they violated this rule, no letter or warning was given to me ) The rule is to provide advance notice and proficient time to respond to a change - in term notice.. ( I could of opt out and closed the card and got a lower interest rate at the time where my fico was XXXX XXXX. 

This card act allows the consumer to reject the change, subject to certain exceptions- 1 notify the customer the right to reject the change before the effective date 2. Provide instructions for rejecting the change and if applicable 3. Provide the consumer reject the change, his ability to use the account for further advances will be terminated or suspend.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation