Consumer complaint received 2023-04-18
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: Company closed your account

Complaint:
1 ) I have made several complaints regarding US Bank pulling my credit with XXXX without my permission on XX/XX/XXXX. Please note that this pull was not due to any fraud, as stated by US Bank. US bank also failed to properly investigate the inquiry dated above. I talk with US bank about a upgrade and the creditor that will be used to apply ( XXXX ) for the Upgrade in XXXX of XXXX, but never authorize the financial institution to pull credit due to a hard inquiry and the creditor that they will use to pull credit. As a secure credit card customer US Bank has pulled my credit as a soft pull to see what is reflecting on my credit reports and then will use the the credit report that was reflection unauthorized and outdated information. In XXXX of XXXX I had a credit score of XXXX with XXXX with all credit obligation paid on time and as agreed. US bank failed to use this creditor for the upgrade. US Bank is also well aware that my previous missed payments was due to economically disavagtages, sickness, and the pandemic which my small business suffered drastically. ( Please see attached ) In XXXX of XXXX my credit obligation was not delinquent per your statement in response dated XXXX, XXXX, XXXX. 

2 ) I was not aware of any notices of overdrafts and or payments owned on credit credit due to the deactivation of all accounts. US Bank deactivated my online banking and closed my checking account without proper notice.When deactivating my account I was not able to sign in to on line banking to retrieve any documents nor see any payments that was owned. I was aware of what due when receiving the response from XXXX of the XXXX on XX/XX/XXXX. US Bank failed to give me time after I was informed of the payment in the letter dated XX/XX/XXXX all documents attached to response I never received in the mail nor online banking. ( Please see attached ) Bank closed account in retaliation of complaints. 

XXXX ) During a brach visit in XXXX CA Customer service rep stated that my account was overdrawn due to a {$3.00} payment to RING. I didn't request any payments to go through if I didn't have money to cover the payment. I have always declined overdrafts protection to prevent from paying excessive fees. Bank closed account in retaliation of complaints. 

XXXX XXXX US Bank has failed to send me credit card statement with all made payments on the account. I have requested this from the CEO via email and have tried to request from customer service several times. ( Please see attached ) 5 ) US bank stated it closed my account due to none payment while I was sick and offered help via letter sent with response complaint but failed to provide the help on the account when I called to let credit card services aware of my sickness. Please explained what was the difference in XXXX and XXXX of XXXX? ( Please see attached ) 6 ) US Bank also disallowed me from making smaller payments on the account and transfer to and from the account. Please see attached. 

Please see error messages that will pop up when I was attempting to log in my account. On page 2 of complaint dated XX/XX/XXXX paragraph 5 states that no further payments is not required but US Bank still reflect the bad credit debt to all 3 major credit bureau and is currently reflecting on my credit report of payment owed of {$85.00} and negative payment for 60 days. 

Please explain why secured card customer don't have same services as regular credit card customers. we are just as important as we are trying to reestablish for economically, to start business and purchased homes for are family. US bank secured card is a way for the bank to make money off fees and annual memberships

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