Consumer complaint received 2021-01-18
Company: U.S. BANCORP
State: MN
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:
I had two US Bank Credit Cards ( CCs ) owned by both my husband ( now Ex ) and myself. These CCs were opened online by my Ex, and done without my consent. When I reviewed my credit bureau after separation, I contacted US Bank and inquired as to the debt of the 2 CCs. I was assured the application showed both of our social security # s, so I was also responsible for the debt. I, at that time advised the Customer Service Representative that these cards were opened without my permission. The rep advised me I should talk to their Fraud Department. After talking to the fraud area, they then advised me this was considered a domestic matter and there was nothing USBank could do. 
In XXXX of 2020, I found out the CCs had become delinquent. I contacted USBank and brought the accounts current, and with that requested the CCs be restricted to no further purchases or advances. The representative assured me at that time there was no further risk of any advances, it would take both me and my Exs permission to access the accounts again. 
On the XXXX of XX/XX/2020, I contact Customer Service at USBank and requested to payoff both CCs The card ending in XXXX was paid off with a payment of {$2200.00}, with a confirmation # of XXXX, and the card ending in XXXX was paid off in the amount of {$1200.00} with a confirmation # of XXXX. Letter of confirmations attached. I again was assured that due to the CCs being frozen there was no other recourse but to shut them down. And that was the final conversation the cards would be closed. 
( Not sure of Date, but after XX/XX/2020 ) My Ex contacted USBank Customer Service and stated the payoffs made to the cards were done in error and he was requesting the funds be given back. The USBank Representative advised my Ex that she could only reimburse the smaller of the two CCs and would not be able to give the minimum payment that was due back, so the amount given was {$1100.00}. The funds were then deposited into my Exs USBank Savings account, ( this information verified by Collection Supervisor XXXX ). The funds were not even credited to the checking account the original funds had come from! I was told when I called and talked to XXXX in the collections area that the only reason this was able to be processed that way was because they were not giving back the full amount. 
The issues I have : The CCs were restricted, no further action unless there was a consent from both parties owning the accounts to un-restrict. 
Payoffs for both CCs specifically from my account ending in XXXX, on XX/XX/2020, and a request by me that the USBank Rep notate the file of who paid the CCs off, as my Ex was/is filing bankruptcy and I did not want the payments I made reversed to a chapter XXXX trustee. 
My Ex contacts USBank, and although the accounts were closed and paid in full, the rep reversed the payment from the closed account, essentially reopening and creating a balance. 
There never should have been a payment reversal as this account was closed and I made every effort to inform USBank the accounts were opened without my consent. 
I did not give permission to reopen this Credit Card.

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