Trouble paying US Bank credit card online

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5 posts
shoptalk01
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Trouble paying US Bank credit card online

Postby shoptalk01 » Wed Oct 10, 2012 8:46 am

Does anyone here have experience with US Bank? I really thought they would be better than this. I recently got a secured credit card from them (their only product I have for now). I went to set up an online banking account to pay my bill and on my first attempt I received an error message that they were unable to establish a relationship with my external checking account. My checking account for now is with a different bank, but according to the US Bank website, it looked like setting up an external account was possible???? I went back later to try again and it appeared my bank information was all set up, so I attempted to make a payment. After making the payment I was redirected to the confirmation page which said that I had made a payment.

Several days later, no pending payments are showing up on my US Bank online account and US Bank has not even attempted to take the funds from my external account. I tried calling and they said someone would have to call me back, still waiting......

A friend of mine wanted to help and he said it didn't appear something was set up correctly, so he deleted my external account, re-added it and attempted to make the payment again, same results, nothing is showing on my external account to even indicate US Bank has tried to take out the money. Yesterday morning I sent US Bank an email with all the information, no reply as of yet.

I get the feeling they are either going to require I open one of their checking accounts or send a paper check. I was wondering, if I don't hear from them today, should I just send a paper check? I would have to say, I've had a much better experience with Capital One.


shoptalk01
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Posts: 88
Joined: Thu Aug 02, 2012 1:18 am
Location: Nebraska

Postby shoptalk01 » Wed Oct 10, 2012 9:59 am

Never mind, I just learned I made a double payment by accident. I really don't like their online system......doesn't seem real idiot friendly.

jeffysdad
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Postby jeffysdad » Wed Oct 10, 2012 10:07 am

I have the US Bank Cash+ card and I also find their website customer interface to be lacking in several areas. However, the rewards with the Cash+ card make it worth putting up with.
American Express: Blue Cash Preferred (groceries, 6%; gas, department store, 3%); Gold Delta SkyMiles (Delta Air Lines, 2 miles/dollar, free checked bag).
US Bank: Cash+ (utilities, phone, internet, restaurant, 5%; drugstores, 2%).
FIA Card Services: Fidelity Amex (everything, 2%); Fidelity Visa (everything, 1.5%).
Chase: Freedom (rotating, 5%); Amazon (Amazon.com, 3%); PriorityClub (IHG hotels, 5 points/dollar); Sapphire (not in use).

*All cards are registered with PriorityClub IDine program for 8 points/dollar at participating restaurants.

shoptalk01
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Posts: 88
Joined: Thu Aug 02, 2012 1:18 am
Location: Nebraska

Postby shoptalk01 » Wed Oct 10, 2012 5:11 pm

I figured out what had happened on my own after seeking a friend's advice and help, but I am disappointed that I never did get a call back from US Bank. I also sent them 2 emails and received only the standard reply stating a representative would get back to me within 24 hours..... no follow up email, no follow up call.

I now have a credit balance on my account, they didn't question anything just applied my payment twice. I guess if they get mad about it, oh, well, they should have a better user interface.

shoptalk01
Platinum Member
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Posts: 88
Joined: Thu Aug 02, 2012 1:18 am
Location: Nebraska

Postby shoptalk01 » Wed Oct 10, 2012 5:18 pm

PS as far as the overpayment, it's only $100 and I can blow that off quickly if I need to.



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