Credit card -- Closing your account -- Complaint #14961743
Complaint Overview
Complaint ID: 14961743
Company: U.S. Bancorp
Product: Credit card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: California
ZIP Code: 93103
Date Received: 2025-07-29T12:00:00-05:00
Date Sent to Company: 2025-07-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I received a warning from U.S. Bank that my credit card account would be closed due to inactivity if no purchases were made by XX/XX/year>. I did not have access to the card at the time, so I called U.S. Bank customer service that same day to clarify what I needed to do to ensure my account remained open. During that call, I ordered a replacement card and explicitly asked what steps were necessary to prevent account closure. The representative assured me that as long as I made a purchase as soon as I received the new card, the account would remain open. Based on that assurance, I believed the matter was resolved. On XX/XX/year>, after receiving the replacement card, I made a purchase of {$54.00}. That transaction went through without issue, further confirming that the account was still active. I then paid off the full balance around XX/XX/year>. At no point after the initial XX/XX/XXXX warning did I receive a closure confirmationno email, no mailed notice, and no alert through the U.S. Bank portal. Through at least late XX/XX/year>, I continued to see the account within my U.S. Bank online portal. It was only within the past week ( XX/XX/year> ) that I logged in and noticed the account had disappeared. I checked my XXXX XXXX account ( XX/XX/year> ) and saw that it was reporting an account closure due to inactivity, which was a surprise. I immediately contacted U.S. Bank and was escalated multiple times. While one representative acknowledged that it was odd and unusual that I had been able to make a purchase and payment after the supposed closure date, no one has taken responsibility or offered a resolution. I was told, ultimately, that nothing could be doneeven though I clearly acted based on the banks own instructions, and there was no formal closure notification. This was not a delinquent account, and I had taken every step required to prevent closure, including actively engaging with customer service and using the card in good faith. Ive now suffered a negative credit impact because U.S. Bank mishandled this case and provided misleading or inaccurate guidance. I have been given no support or options for resolution despite doing everything I was told.
Frequently Asked Questions
What is Complaint #14961743 about?
Complaint #14961743 was filed against U.S. Bancorp regarding Credit card specifically about Closing your account. It was received by the CFPB on 2025-07-29T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Credit card) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.