Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: U.S. BANCORP
State: NC

Complaint narrative:
I had this credit card for a few months now and for some reason I haven't seen any increase in my credit score I also noticed that the reporting from this credit card company is not accurate when forwarding the information to the credit bureaus I have emailed them and I have called them and for some reason I haven't got a response back and the other thing recently is that when I make payments on this account I particularly usually make about three payments a month before the balance is due every month on my statements I made several payments this month around three or four and they has not posted they actually are posting very slowly I made these payments in the beginning of this month they have not posted yet I sent the email about it and they never replied but they apply one of the payments towards my balance and not the rest of payments as if they wanted it to be reported as I still owe and as if they want me to be confused over what I still have to pay and maybe even overpay or double pay for something that they're not crediting to the correct amount to reflect a correct credit at this point I wanted to make sure I reach out because if anybody makes payment its supposed to reflect especially if it's not posting below is the message that I have sent the company and I believe at this point it's just like bias and Prejudice and some sort of bigotry going on because I even checked my credit report and I see that every time they report it is always the incorrect amount again see the message below for what I have sent to the company and they have not responded but any other time I email them or send them a message about anything regarding my account they will fully answer and within a day or two for this situation in particularly regarding a credit card they have not responded these companies are pushing consumers to file once it complaints rather than resolving the issue it is very normal for payments not to post but I've been keeping track of my account for some months now and usually when I make a payment a post within the time it should have for some reason this month has been unusually late with posting those several payments that I made also I have took the time out to always call them first an email and for some reason I don't always get a response when it's about money-wise I also noticed at times that my interest is incorrect usually before my bill is due I will call to see not only sometimes with my balance and also what's the interest for that bill for that month anytime I ask that I usually almost always post a payment and then post my interest and for some reason once I do that they'll still charge interest and I'll still have to call for that month and let them know that I paid my interest and then I made a payment and why was I still charge interest and they'll just repost it back to my account so again they have a system that's not generating correctly and I only say this because anybody can find out what interests they accumulated for the bills of that month I also sent them a message to ask them for this month before it came in what was my interest and they ignored me now when I called them back in XXXX to see what my interest was for XXXX I had no issue but again when I called them before XXXX came in and asked what was my interest in a message they never answered so at this point they're now having it so my messages is not being seen as out they had a system where if you send a message online you'll be able to see the out message when you sent it and vice vera with the inbox messages for right now you can only see they responses to date they did not respond before the first of XXXX to answer what was my interest because I wanted to put it in writing because the previous month they told me what it was it was like {$8.00} and change I paid {$10.00} and for some reason they didn't want to put it in writing so again I just want to make sure there's no fraudulent activity going on with my account thank you This is the messsge i sent I noticed this company is not reporting my balances & payments to the Credit Bureau correctly they're being reported with a incorrect amount meaning i pay before my due dates and in full & it is still being reported that owe the previous balance or more i always pay a lager amount even 3 paymentd or more in a month and for some reason my credit score never increase payments are being reported way later to the credit bureau again I have not seen a increase in my credit score from having this card for a few months and I have paid on time also i never go any points for my 2 XXXX transactions i also notice this company checked my credit report recently as if I applied for another product also my available credit balance for my account is incorrect I already paid my bills and the payments have already posted and it's not reflecting my current credit for using on my credit card it's actually lower as if the bills did not post it's been over a week that right there is getting reported as if i still owe to the credit bureau

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 non-monetary relief