Consumer complaint received 2018-07-02
Company: U.S. BANCORP
State: CA
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

Complaint:
I was approved for a US Bank platinum visa credit card a couple weeks ago. I let the underwriter know the sole reason I was applying for the card was to take advantage of the 0 % apr for 20 months because I was going to purchase a wedding ring around $ XXXX. The card was approved at $ XXXX. When I tried making the purchase for {$11000.00} it was declined. shortly after, us bank fraud department gave me a call and said because of the amount they had blocked it but they would remove the block and asked me to try again. I tried again and was blocked. I called the fraud department and this time a different rep said because the amount was so high to try to cut the amount in half and try the transaction twice. I tried doing that and still declined. I called a third time to fraud and they said it was still too high and to try to break the amount into thirds. I tried that and declined yet again. the forth time I called the rep said because of too many attempts at various amounts it was suspicious and they were going to send it to review. I tired letting that rep know this is what the other us bank fraud reps instructed me to do but he said he was still going to send it to a review team. at this point I was very upset and asked to speak to his manager and he stated he had none. also the first 3 times I called the reps asked if I would like to do a survey  after the call but with this person I asked to do the survey he said it did not exist. 
I called yet again a 5th time and the rep said she would remove the block but because this is a new card I would need to make smaller purchases first and pay back to build history with us bank. I then tried to make a {$20.00} purchase and a {$3.00} purchase and both were declined. I called a 6th time and the fraud rep gave me the number to the review team and said to speak with them and hung up. I called the review team and their rep said I spoke with someone and she could not verify my income. I told that rep that none of the representatives from the fraud team asked me about my income at all, so he said he would transfer me to the person who stated the income discrepancy. I was transferred and no answer and can not leave message. I called the review team back again and another rep said that person was on vacation for a week and when I told her I could not leave her a message there wasn't anything I could do and that she was the only person who can review this. 

I let each rep, both from fraud and review, know that I planned on proposing end of summer/beginning of fall and that the ring takes 4-6 weeks to make after I purchase not including the time it will take to ship. I also let them know the only reason I applied for this card was to take advantage of the 0 % apr but with all the time this is taking my promotion rate for 20months is  decreasing.

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 explanation