Credit card or prepaid card -- Unexpected or other fees -- Complaint #5085505
Complaint Overview
Complaint ID: 5085505
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose prepaid card
Issue: Unexpected or other fees
State: New Mexico
ZIP Code: XXXXX
Date Received: 2022-01-08T12:00:00-05:00
Date Sent to Company: 2022-01-25T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
I received a XXXX $ XXXX gift debit card for XXXX. On XX/XX/XXXX I went to XXXX to activate the card. The Card Activity report at this website shows two pending XXXX Pre-Authorization transactions dated XX/XX/XXXX, XXXX XXXX XXXX {$1.00}, California and and XXXX, XXXX XXXX , Texas {$1.00}. I only opened the package the card came in today, XX/XX/XXXX. I tried contacting the number on the back of the card to report what looks like fraudulent charges already on a card that has just been issued. There is no response to calls to this number XXXX, I am put on hold until the call eventually disconnects. I called the XXXX national number XXXX and was told they could freeze the card but I would have to call the US Bank number XXXX to get a replacement issued.it seems to me Since there is no response at that number this looks a bit suspicious. I have had XXXX freeze the card. XXXX says they will notify the bank the card has been frozen. XXXX has my personal contact information. I will make another attempt to contact US Bank for a replacement card but have been told by two XXXX representatives to call off peak. When I asked what that actually means do they mean a daily, weekly or seasonal peak I am told they do not have that information. Apparently there is no recommended time to call about fraud and actually get a response. By the way, a quick web search of those two charges shows many people have complained about similar pre-charges against both new credit cards and bank accounts by those same two companies.
Frequently Asked Questions
What is Complaint #5085505 about?
Complaint #5085505 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Unexpected or other fees. It was received by the CFPB on 2022-01-08T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". 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.