Consumer complaint received 2022-08-24
Company: U.S. BANCORP
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
This all took place starting around XX/XX/22 until present ... .I received balance transfer offer from US Bank in the mail. I used it to pay off my XXXX XXXXXXXX  XXXX  XXXX I called US Bank to ask why it was returned, I talked to three  representative 's there. The first one said she was not able to identify me with the information i provided. I gave her everything she asked for. She sent me to her manager the manager asked me the same questions, i was able to answer all of the questions again. She stated she was not able to verify me. Now I was getting frustrated and I asked for her manager who asked me the same verifying questions which i was able to answer. They were rude mean and the last manager turned off my US Bank Credit Card and cancelled my Promotional checks. She said i will need to go to a US Bank to verify myself. The closet bank to me is 1 hour away. So the following week i called the US Bank Credit Card # back and talked to XXXX he asked me to verify i did and he said he will send me the security code to my phone to verify me and it worked. I told him what happen the week before. He said no need to go the bank i verified you and will turn your credit card and checks back on. He said to mail in the check for the offer i wanted and it will be fine. they don't accept electronic transfer balances you have to mail the offer check in. So i mailed it in to XXXX XXXX   XXXX. ( ( ( ( ( ( ( a week later i got a call form a lady she said she was from the corporate office with US Bank and stated she listened to the 3 people who spoke to who couldn't verify me and apologized over and over for their bad behavior and for them turning my XXXX credit card off and my offer checks She stated they should not have done that to me they could have sent me the security link to my phone like XXXX did and that they would all be addressed about the matter.. She stated she is going to issue me a XXXX credit for the incident. I told her how well XXXX had treated me and fixed me right up. She stated she knew XXXX personally they had worked together many years ago but she now works at corporate office. ) ) ) ) ) ) ) So like I said I mailed the reduced interest offer check to XXXX XXXX XXXX and a week later it was returned from the bank they wouldn't honor it. XXXX XXXX XXXX  said they were shutting my card off due to dishonored check 's presented to them and my other 5 credit cards with XXXX XXXX were turned off by XXXX. I receive 5 letters notifying me of this process. I called US Bank Back asked for corporate no one would give me the phone #. I tried to look it up online and was routed all around. Finally i opted to call the credit card line again and told the representative what had happened she issued a check directly from the bank to XXXX XXXX XXXX I gave her the address and told her they shut off my cards due to this issue and i was very upset. I called XXXX XXXX  and talked to XXXX he is a supervisor to handle issues like mine - He stated i need US Bank to send XXXX XXXX  a letter stating this was their fault and they will look into restoring my credit cards. - Again I called US Bank got a XXXX  type guy i could barley understand and i told him what i needed he said he could not hear me and hung up on me. I was done so i am now filing this compliant. I have a XXXX card - XXXX in credit -- XXXX card XXXX in credit- XXXX XXXX  card i was using for my medical treatment with almost XXXX credit on it. my XXXX XXXX card with XXXX credit and my XXXX credit card with XXXX credit all cancelled because of really the start of the mess is the 3  women who would not do their job correctly is what started this domino effect of a nightmare i am going through now. I am so upset i order all my necessary stuff from XXXX 's because i have XXXX XXXX XXXX XXXX XXXX XXXX XXXX  thru their store plus closest store is 1 hour away. now i can not use my XXXX 's card or get my rewards for purchases or gas purchases. you can check i used it every week or two sometimes more. I can not use my XXXX store card no rewards on my purchases any more using a different card of mine i still shop at both places but no rewards free shipping etc. My XXXX XXXX  card i was using for doctors bills interest free is now shut off all because of US Bank and the worst of all i have been with US Bank for 30 Years never an issue now they got my whole life flipped upside down. I have all the letters XXXX has sent me the rest of the offer letter checks from us bank and i know they can re pull the calls to review they have done it once. -- -- -I attached XXXX XXXX fax # for us bank to fax a letter stating this is their error and call them at XXXX to resolve

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