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US Bank Complaint - Unconcerned and unethical - checking
US Bank Complaint

US Bank Complaint

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Unconcerned and unethical - checking


I applied for and received a "1-2-3-Rewards Mastercard". The interest rate was to be 13.99,18.99 or 23.99%, based on "CREDITWORTHINESS". I have a credit score of 820, and I have never paid a bill late or written a bad check. My home is paid for and I have worked for the same co. for 23 years. I also keep a large amt. of cash in a checking acct. at US bank , for which I receive no interest. I have had this same checking acct at this bank for over 30 years and put up with it going through mergers and name changes. When I questioned why I did not receive the lowest interest rate, I was put on hold, transferred 3 times and basically told that I got the rate I deserved. No one could tell me what the criteria was or put me through to their underwriting dept. THAT is all a secret, apparently. Is this false advertising? YES. Is this a lack of appreciation for their customers? YES. I am moving my cash elsewhere. Does US Bank believe in ethical behavior? NO.


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Comments


offthegridlily says: (3 years ago)
 0
I have the 123 rewards prepaid Visa. I stay in hotels for business and sometimes these hotels put a hold on anywhere from $25 to $100 on the Visa for extras. Usually, the hotel releases the hold with in 1 to 10 days. In my experience, one or two days tops, assuming you have no other charges on the room. When I use my Chase Visa, the money is available within a day of when hotel releases the hold. The 123 rewards card refuses to release the fund for a full 30 days. Why? One person in customer service tells me it has nothing to do with the hotel, then another tells me the hotel can take that money up to 30 days after my stay. How many people travel through that room in 30 days. so again my question is why? In the current economy, I like others, am struggling to keep my head above water. 123 rewards holding $100 of my money for absolutely no reason. It is definetly unethical it should be illegal




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