Complaint Rating:

Company information:
US BANK
Fargo, North Dakota
United States
Phone: 18002858585

I have always had excellent credit with US BANK and I constantly have my limit raised to reward my perfect credit
I previously had a credit limit of $8000 in 2007 - took out a no balance transfer fee loan at 0% and paid it off prior to the loan expiring

Then at mid 2008 I was offered a 1.99 % loan (no balance transfer fee) for 9 months - expiring NOV 2008 to take out the last loan for another 9 months

I again always paid my bills on time and was a perfect credit risk
In fact during the US BANK extending me credit my credit limit was even RAISED to 11, 500 because of my perfect credit (and after I already indulged in taking a $5000-6000 loan at 1.99 % for 9 months

In NOV I intended to take out the additional balance of credit extended to me while paying off the first loan for 1.99 (for 9 months that was expiring soon )
However, when I attempted to take the balance of the credit extended to me I was told it was no longer available .
US BANK had taken away this verbal agreement without so much as a written letter of explaination !
I had to take a loan from another credit card company
THe credit was taken away with NO VALID REASON (in fact other credit cards extended my credit limit and I just paid off a $2000 balance to WM
Now I am charged 11.99 % by us bank and I refuse to pay it for at least another 9 months -