Consumer complaint received 2025-01-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: U.S. BANCORP
State: AR

Complaint narrative:
I have paid off this account many times, and only use it because of the bonus points and incredible deals that XXXX XXXX give me for being a cardholder. I have been making payments twice a month to try and lower my balances to pay cards off again. I made {$300.00} in payments in XXXX, a {$100.00} payment XX/XX/XXXX, and another {$200.00} payment on XX/XX/XXXX, yet you charged me {$40.00} for being {$3.00} short!?!? Honestly are you kidding me, last time I had the issue with not getting my statement on time due to weather delays, which is why I always pay in advance as soon as my SSDI comes in on the XXXX of each month. I would have made the extra {$3.00} payment if I had been aware of it, but sadly I was hospitalized. I came home and got a nice email telling me I was {$3.00} short and if you could help me in anyway, I call and get told that you are punishing me with a {$40.00}!?!? I have tried contacting someone to talk to about this, was told to wait for a call, and then get sent this 'unmonitored email ' response. I will be contacting the Attorney General about this, If I had missed an entire payment that would be on me, but just being {$3.00} short and then paying an additional {$200.00} which means I overpaid by {$190.00}? And you still refuse!?! Unbelievable. I have already notified XXXX and XXXX XXXX I will no longer be using this Elite World Member Card, if this is how they treat XXXX ' Members, especially XXXX ones that have always been in good standing. 

Sincerely, XXXX XXXX XXXX I have called them multiple times and not allowed to speak with anyone in charge of fees, then told I can not dispute fees, last time I called I was told they could escalate it and I would receive a phone call from someone that would discuss it with me BUT Instead they send me this email. I don't think they share actual information or even check that the actual payment was made early, just short by {$3.00}, they keep telling me my payment wasn't made on time!?!? 

From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Fee reversal request Dear XXXX XXXX XXXXXXXX Thank you for contacting XXXX XXXX about your XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Card account ending in XXXX The late fee was assessed because the minimum payment due was not received by the payment due date. In this case, we are unable to reverse the late fee on this account. 

Here are some of our available payment methods to help avoid late fees in the future : XXXX- Have your payments automatically transferred each month from your checking or savings account. You can choose which day of the month, within a range of available dates, to pay your bill. 
Payment by mobile app or online banking- Access our mobile app or website and transfer funds from your checking or savings account to your credit card as a payment. 
Pay by phone - Call us and transfer funds from your checking or savings account to make a payment on your credit card. 
We apologize for any inconvenience. We are here to help. If you have any questions, please reach out to us. You can contact us through the mobile app, online, or call us at XXXX ( XXXX ) XXXX. We accept relay calls. XXXX XXXX XXXX are available XXXX hours a day, 7 days a week. 

This email was sent from an unmonitored mailbox. Please don't respond to this email. 

Sincerely, XXXX XXXX XXXX XXXX XXXX Bank from almost anywhere, any time! 

Visit our website : FreddysMastercard.com Pay Your U.S. Bank Account XXXX XXXX Account XXXX XXXX about more self-service features! 


U.S. BANCORP made the following annotations -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Electronic Privacy Notice. This e-mail, and any attachments, contains information that is, or may be, covered by electronic communications privacy laws, and is also confidential and proprietary in nature. If you are not the intended recipient, please be advised that you are legally prohibited from retaining, using, copying, distributing, or otherwise disclosing this information in any manner. Instead, please reply to the sender that you have received this communication in error, and then immediately delete it. Thank you in advance for your cooperation.

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