Credit card or prepaid card -- Trouble using your card -- Complaint #4363342
Complaint Overview
Complaint ID: 4363342
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-Issue: Can't use card to make purchases
State: California
ZIP Code: 92109
Date Received: 2021-05-09T12:00:00-05:00
Date Sent to Company: 2021-05-12T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
US BankXX/XX/XXXX Card Services XXXX XXXX XXXX XXXX, MD XXXX Re Account # Ending XXXX To Whom it May Concern ; I spoke with four different Customer Service and Collections personnel onXX/XX/XXXX. I received no customer service. I was inquiring how to reopen my account now that it is current and below the credit limit. I was told that my account could not be reopened and that I would have to reapply at XXXX, with no guarantee of getting a new account. This means in essence, I have to keep paying on a credit card that I can not use. Having a closed status with the credit bureaus acts like a charge off with me not being able to utilize a card I am paying for. I hope I am not induced to file a complaint with the Credit Bureaus and Consumer Financial Protection Bureau. Can we try some customer service instead, please. The reason for US Bank closing my account is noted as I took my phone off your call list with a cease and desist. I explained that I religiously called customer service prior monthly re any change or updates in my ability to make my payment and available payment options. You can not justify this procedure with no valid customer outcome. Why cant it simply be reopened? I dont have to tell you how challenging this last year has been. I have 96 % rate for paying my monthly bill, and prior to the pandemic I had a perfect payment history. I need you to manage a way to reopen my account. I will update the cease and desist re calling. I look forward to our next steps in a timely manner. Please advise. Sincerely, XXXX CC XXXX XXXX XXXX Consumer Financial Protection Bureau
Frequently Asked Questions
What is Complaint #4363342 about?
Complaint #4363342 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Trouble using your card. It was received by the CFPB on 2021-05-09T12:00:00-05:00.
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 or prepaid 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.