Credit card or prepaid card -- Trouble using your card -- Complaint #6619889
Complaint Overview
Complaint ID: 6619889
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: Idaho
ZIP Code: 83706
Date Received: 2023-02-26T12:00:00-05:00
Date Sent to Company: 2023-03-27T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
On XXXX XXXX, 2023, I submitted my VISA debit card to my doctor 's cashier to pay the {$40.00} copay for my doctor 's visit. The card was rejected. ( Embarrassment! ) This was the second time US Bank VISA has blocked my credit and debit cards, so I was quite upset when I called them for a reason why. The reasons stated both times have been : " Protecting elderly customers from being scammed by unethical online businesses that have been flagged by their credit card business operations. '' My complaint : 1. No notice of blocking my purchases, only to find out at the time of my next purchase my card is rejected - as in local grocery stores or payments for medical visits ; 2. Credit/Debit card company deciding who I purchase goods from and where I spend my money ; 3. Credit card company deciding how I spend my money. The agent I talked with said a " phone message was left ''. I do not have access to my message system and their phone number lacks caller identification. They do have my email address. No further contact with me to advise they would be blocking my card! NO NOTIFICATION of blocking card. I have been a client with and had the same US Bank VISA card numbers for over 40 years, I have a XXXX credit rating. I make it a priority to pay off my card balances before payment due date ( which is why they don't value my business- I have never paid them a dime of interest! ). The rep. told me at the time of my call she was closing my debit card account - and did. The last time they blocked my credit card for online purchases, I didn't realize at the same time they had also blocked my debit card. Again, suffering embarrassment and stress! It is a real rigmarole to get my cards unblocked... several efforts talking with at least 3 operations reps and being placed on looonngg hold during call transfers- after which usage still rejected and more phone calls/transfers and waiting for change to kick in. I would like their system and methods of PROTECTING THEMSELVES from unscrupulous vendors kept in-house and NOT PUNISH card users for not knowing the vendors on their list! Thank you, XXXX XXXX
Frequently Asked Questions
What is Complaint #6619889 about?
Complaint #6619889 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 2023-02-26T12:00:00-05:00.
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.