Consumer complaint received 2022-11-27
Company: U.S. BANCORP
State: WI
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

Complaint:
On XX/XX/XXXX I applied for a credit card thru my US bank app ( XXXX  shoppers credit card ) and was approved, {$2500.00} spending limit before I receive the card and {$15000.00} after receiving the card. On XX/XX/XXXX I started using the card since they are promoting it as a shoppers card and that you would get {$200.00} cash back on the first {$1200.00} you spend plus % XXXX cash back on any purchases made from XXXX retailers of my choice and XXXX % cash back on purchases made at any gasstations. On XX/XX/XXXX I tried making a purchase at XXXX XXXX for an XXXX for my wife using that credit card, it got declined which I thought it was normal since it's a purchase for {$1000.00}. I still purchased the XXXX using my debit card, and called the credit card company to inquire why did it decline the transaction, the lady from customer service told me that because the card was fairly new and she went ahead and unblocked it. The next day I went to XXXX and made a purchase for {$33.00} and the transaction was approved, later that day when I attempted to make a purchase for {$9.00} at XXXX it got declined. I called customer service to see what's going on, I was shocked to find out that they put my account on hold claiming fraudulent activity, and that they would contact me within XXXX to XXXX hours. I waited XXXXhrs and called them again and explained the situation and they said to give it an hour and it would be working. After another XXXX  hours it still wasn't working. I decided to go to a US bank branch and see what's going on. They contacted card member services and they told that they called one of phone numbers I used to have XXXX years ago and the person who answered the phone told them he never applied for that card. But the bank rep verified that they contacted the wrong person because I had my ID, social security card and the credit card in hand. So card members rep told her she would remove the block and i should be able to use my card. I never attempted to use the card after that and waited XXXX days to contact customer service to find out that they closed the account and a letter was sent out. During the XXXX weeks they never attempted to contact me yet they have my phone number, email. The last attempt to get an answer was XX/XX/XXXX were the rep told me that someone contacted them saying they never applied for the credit card and disputing the charges. I asked them how did that person managed to get the verification code that normally is sent to my phone. I feel like US bank has discriminated against me because of my name and ethnicity, never attempted to contact me or allow me to plea my case. They keep giving me different answers and ones that don't make sense. I am not sure what are the precautions from this on me but I am sure I will be contacting a lawyer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief