Credit card or prepaid card -- Closing your account -- Complaint #5256011
Complaint Overview
Complaint ID: 5256011
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: Maryland
ZIP Code: 20910
Date Received: 2022-02-23T12:00:00-05:00
Date Sent to Company: 2022-02-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
To Whom It May Concern : Elan Financial Services closed my XXXX XXXX XXXX card after receiving fraudulent information from a third party, without contacting me to confirm any of the provided information. I am in receipt of your correspondence dated XX/XX/2022, ref # XXXX. This correspondence is in response to my document dated XX/XX/2022, in regard to the closure of my XXXX XXXX XXXX XXXX XXXX Card account, ending in XXXX. I am hereby informing you that you have violated my consumer rights and under 15 US Code 1691E you are civilly liable. As you may be aware, it is against federal law in accordance with Equal Credit Opportunity Act to proclaim an adverse action against a consumer. Pursuant 15 U.S Code 1691 ( C ) and you assume civil liability pursuant 15 U.S Code 1692 ( K ). Elan Financial Services/ Cardmember Services has violated my federally protected consumer rights : 1. 15 U.S Code 1642 2. 15 U.S Code 1681M 3. 12 CFR 1002 4. 15 U.S Code 1681M ( b ) ( 1 ) 5. 15 U.S Code 1637 Enclosed you will find an invoice for the abovementioned violations, with instructions where to send payment. BEST, XXXX XXXX XXXX Without prejudice, all natural inalienable rights reserved.
Frequently Asked Questions
What is Complaint #5256011 about?
Complaint #5256011 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Closing your account. It was received by the CFPB on 2022-02-23T12:00:00-05:00.
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.