Consumer complaint received 2026-07-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: U.S. BANCORP
State: TX

Complaint narrative:
On XX/XX/2026 I made a successful balance transfer from my XXXX XXXX XXXX XXXX Credit Card XXXX XXXX XXXX XXXX XXXX ) to my XXXX XXXX Credit Card in the amount of {$8900.00}. Since I did not have problems with my first balance transfer, on XX/XX/2026 I attempted to make another balance transfer from my XXXX XXXX XXXX XXXX Credit Card to my XXXX XXXX XXXX XXXX Credit Card in the amount of {$9300.00}. IT IS IMPORTANT TO NOTE THAT MY XXXXXXXX XXXX CARD NUMBER WAS CORRECTLY ENTERED BUT FOR SOME REASON THE SYSTEM PICKED UP THE XXXX MAILING ADDRESS. On XX/XX/2026 I noticed that I was charged the amount of {$9300.00} on my XXXX XXXX XXXX XXXX credit card balance but the amount was not credited on my XXXX XXXX Account. I then called XXXX XXXX ( elan XXXX XXXX credit card ) to inquire about the payment. They stated that it would take a couple of days to post but that the check was sent. I called XXXX XXXX Credit Card and they started an investigation and gave me temporary credit in the amount of {$9300.00} On XX/XX/2026, XXXX XXXX Credit Card left me a voicemail that they did not receive the payment and therefore, lifted the temporary credit that they had to give by law while they investigated the payment. On XX/XX/2026 after the payment was still not received by XXXX, I called XXXX XXXX XXXX XXXX ( elan XXXX XXXX Credit Card ) and they told me that they are still looking into it and that if I would like, they can send me a copy of the check ( front and back ) as they see that the check has been endorsed and deposited by XXXX XXXX. On XX/XX/2026 I called XXXX XXXX XXXX XXXX again after receiving the copy of the endorsed check and explained to them that XXXX XXXX WAS NOT the payee, and I did not understand why XXXX XXXX intercepted the check. At this time I was speaking to a supervisor named XXXX and she said she would request for the funds to be returned as XXXX XXXX is not the Payee. For me to call back in a couple of days. On XX/XX/XXXX a letter was sent to me stating that the request to have the balance transfer returned was declined because there was no bank error on their behalf. On XX/XX/2026 I called XXXX XXXX to investigate where the funds are. They said I had to go into a XXXX XXXX XXXX as they had no access to look anything up. I went into the XXXX XXXX XXXX and the customer relations person said they could not help me because I was not a customer. He said I need to have XXXX XXXX XXXX XXXX handle it because they wrote the check. On XX/XX/2026 I went into the XXXX XXXX XXXX XXXX to speak to someone in person regarding this. The lady told me that they couldn't help because the XXXX XXXX XXXX XXXX credit card is handled by a third party, being elan XXXX XXXX. I called elan again that day and spoke to another supervisor named XXXX this time. She said the best thing she could do was submit a refund as a late return to the balance transfer team. Recently I received the denial letter for that request to refund as well. I am at a loss of what to do. Both banks are giving me the runaround. On XX/XX/2026, XXXXXXXX XXXX lifted that temporary payment as they closed their investigation since the check was endorsed by XXXX XXXX. So now I owe XXXX and have no access to it or know where it is or who got it. ( I recently read a complaint similar to mine on XXXX. A lady sent a balance transfer and XXXX XXXX XXXX intercepted as well. ) PLEASE HELP!

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