Consumer complaint received 2026-05-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: U.S. BANCORP
State: MI

Complaint narrative:
MY BANKING AND CONSUMER FINANCE CONCERNS FOR LEGAL FOLLOW-UP REGARDING U.S. BANK I am submitting this complaint about U.S. Bank / Elan Financial regarding possible disputed interest or fee practices, account-servicing or complaint-handling problems, and later communications that I believe should be preserved as part of the record. On XX/XX/XXXX, I sent a certified letter to the Chief Executive Officer of U.S. Bank requesting written review and a response within XXXX business days. I remain concerned that the matter was not meaningfully addressed. The most important records include my account agreement, fee schedules or disclosures, key statements or account records, my XX/XX/XXXX, letter, proof that it was sent, and later emails or call-log records. I am requesting a meaningful written response, review of the account practices and disclosures, correction of any errors if appropriate, and any other relief available within the agencys authority. LETTER TO XXXX XXXX XXXX AND PROOF OF MAIL DELIVERY |US XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX U.S. Bank XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX : Formal written notice regarding credit-card account handling, payment history, and request for written response Dear XXXX XXXX : I am writing XXXX provide formal notice of my concerns regarding the handling of my U.S. Bank/Elan credit card or related account , including payment-history issues, possible changes to available credit, related fees or interest, and the institutions response to my prior requests for assistance. My purpose is to request meaningful written review of these issues and to preserve a clear record of my concerns. I request a written response within ten business days after receipt of this certified letter. Please address the payment-history concerns, any reversals or deletions of payments, any changes to available credit or account status, the records supporting the claimed balance, and any actions U.S. Bank / Elan will take to review or correct the matter if appropriate. My concern is that payment transactions were later reversed, deleted, or otherwise handled in a way that was not clearly explained to me, and that my available credit was substantially reduced in a way that worsened my financial position and contributed to default-related harm. Please communicate with me in writing by email. I am preserving the relevant account records, statements, communications, and proof of mailing, and I reserve all rights and remedies available to me. Thank you for your attention to this matter. I would appreciate a prompt written response. XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX DELIVERY CONFIRMATION ONE-PAGE SUMMARY This summary highlights the institutions involved, my main concerns, the notice dates, and the key records I am preserving. Institutions involved : U.S. Bank / Elan Financial. Main concerns : This institution failed to meaningfully respond to my CEO letter ; US Bank/Elan may have breached the overdraft protection arrangement tied to my account and contributed to default-related harm ; and U.S. Bank/Elan may have -- improperly changed or deleted payment transactions and reduced available credit in a way that forced the account into default status. U.S. Bank / Elan notice : I sent a certified letter dated XX/XX/XXXX, requesting written review and a response within ten business days. Current concern : I am concerned that this institution meaningfully addressed my written notice and that the underlying account handling caused delinquency, default-related harm, or other financial injury that should be reviewed with the supporting records. Key records : account agreements, statements, fee and disclosure notices, copies of the letters, proof of mailing, email replies, call logs, voicemails, screenshots, and timeline notes. Purpose of this draft : to organize the issues clearly, keep the institutions separate, and make it easier to identify the strongest next steps for review. Summary of Concerns Based on my current draft, my principal concerns involve disputed interest or fee practices, possible account-calculation or recordkeeping issues, possible overdraft-related disputes, possible contract or disclosure issues, possible service restrictions or account-closure issues, and concerns about how my complaints or account problems were handled. Some of these concerns may overlap factually, but they may involve different institutions, agreements, account records, or legal frameworks. I believe separate review may therefore be useful to determine which issues are primarily factual, which are contractual, and which may involve regulatory or consumer-protection questions. The following pages contain the uploaded supporting exhibits for U.S. Bank / Elan Financial. U.S. Bank / Elan Financial Uploaded Exhibits 1. Exhibit U-6ACredit-line record showing available credit of XXXX on XX/XX/XXXX. 2. Exhibit U-6BCredit-line record showing later reduction in available credit. 3. Exhibit UXXXX XXXX, XXXX, XXXX record showing payment deletion and account-handling concerns. END OF SECTION

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