Credit card or prepaid card -- Closing your account -- Complaint #4975889
Complaint Overview
Complaint ID: 4975889
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Closing your account
Sub-Issue: Company closed your account
State: California
ZIP Code: 949XX
Date Received: 2021-12-05T12:00:00-05:00
Date Sent to Company: 2021-12-05T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX I learned that my credit card account was closed by the company and that this reduced my credit score by XXXX XXXX while I was in the middle of applying for a mortgage for which my credit score was vital ; this can potentially result in my mortgage application being rejected or my suffering thousands of dollars in extra interest payments due to higher interest rates. I called the credit card company and they claimed they closed the account on XX/XX/XXXX because they had returned mail because I had moved. It does not make sense that they did not have my correct address because I had updated my address in XXXX for the brokerage account for which this credit card is linked. It is complete incompetence on their part not having the correct address and they are not taking any responsibility for the damages or doing anything to remedy it.
Frequently Asked Questions
What is Complaint #4975889 about?
Complaint #4975889 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2021-12-05T12:00:00-05:00.
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.