Consumer complaint received 2021-12-08
Company: U.S. BANCORP
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
US BANK is run by a bunch of white collar criminals. CFPB would need to investigate into this bank 's operations. There is something highly suspicious about the way the bank is handling its retail operations. 

I lodged a complaint via CFPB against a team member who harassed me on the phone. The response I received from this bank is absolutely unacceptable because any reasonable sane person reviewing that phone call would not have responded the way this bank has responded via the CFPB platform. 

On XXXX I called this bank. I provided the reference number XXXX, that came via CFPB platform as a response to my previous complaint. The Card Member Services operator had no clue what this reference number is all about. I asked for a manager when the operator transferred the call to the security department. A supervisor from the security department picked up the call who also had no clue about this particular reference number. I insist CFPB to investigate into the operations of this bank, is this reference number XXXX even genuine? After I answered all the questions, the supervisor said she is not sure if she should unblock my account. It was surprising to hear that my account was blocked all this time and I had no clue about it. I told the supervisor that I have correctly answered all her questions and so she would need to unblock my account so we can go forward with the conversation to which she said she would need to further investigate. The supervisor was clearly not sure if she should unblock my account in spite of answering all her questions, and this is a " supervisor '' in the bank. She put me on hold and never came back. US Bank is the most pathetic bank on the face of this planet. 

I called the bank again. The self claimed supervisor named XXXX again went through all the verification questions which I correctly answered, time of the call XXXX CT ( time provided my the supervisor herself on the call ). I asked the operator if i would have to pay any fees in the event I choose to close my credit card, the supervisor was not sure... guess what! She is a " supervisor '' and she is not sure, she said she have to confirm it with her colleague. This just shows how pathetic the people are who work at this bank, it felt like I called some road side taco stall where no one knows what should be done. After speaking with her colleague, she came back to the call and confirmed that there is no fees to close this credit card. I asked her to close my credit card. She confirmed that she has closed my card and I won't be able to login anymore. The card closure confirmation number provided to me by this supervisor is XXXX - XXXX. After hanging up the call I noticed I could still successfully login into my account. Why didn't my credit card get closed!? Was this another type of harassment!? 

I called the bank again and this operator from the Card " Harassment '' Department, oops! I meant Card " Sevices '' Department said, based on the notes the call would need to be transfered to a specialized department. The call got transferred to another female operator who again started asking me all the verification questions all over again. I disconnected the call because this is simply harassment. 

After all this, minutes later I received an email from this XXXX pathetic bank stating that my card is reported lost or stolen. Attached is the screenshot. I reasonably believe that this bank is run by a bunch of pathetic and sick white collar criminals who doesn't hesitate to unlawfully disregard and play around with a customer 's official request of closing a credit card. 

I don't care what this bank says in their response, the fact is I have been repeatedly harassed by this bank 's operators and this harassment has been backed up by this bank 's XXXX office. I believe this is a XXXX attack on me from US Bank. I believe that this bank 's operators kept deliberately harassing me on the phone because I have an accent. I would sincerely request CFPB to officially investigate into the operations of this bank.

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 non-monetary relief