Consumer complaint received 2026-02-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: U.S. BANCORP
State: ID

Complaint narrative:
b"Deposition By XXXX XXXX XXXX  on XXXX                                                                     \n     On the XXXX  day of XXXX  of XXXX, I was using my debit card XXXX  to purchase items on the internet. I was trying to add funds to my XXXX account to print off the rest of my stamp sheets to put on my letters to mail them. I had 75 more letters to put XXXX XXXX on so to mail them. After trying to upload new funds to the XXXX  account, it would not download new funds. Trying numerous times, something was wrong. I checked my bank account at the US Bank in XXXX, Idaho, and there were enough funds to cover for the XXXX XXXX. So, I called the US Bank Fraud number: XXXX on the back of my XXXX  card. Upon getting a person on the phone, I was not able to understand the voice, as he had a XXXX XXXX XXXX I picked up on some, that he wanted to verify thr person he was addressing. I gave him my name, birth date, and home address, plus my debit card's full number, XXXX. He needed me to answer a text message on my phone. He was sending it to my phone (XXXX XXXX XXXX). I told him that if I went to my text message center, I would lose phone contact with him. That did not sit well with him, as he did not understand that not everyone has a smartphone. I repeated to him I was holding a XXXX  flip phone that could not be talking to someone and then go to the text messages center at the same time. Therefore, I was unable to give him the text number he sent to me. Since I could not verify myself, US Bank would not release the hold on my XXXX  card. All our financial transactions are set up with the debit card XXXX  and not with bank account information. By stopping use of the debit card, the auto payments set up on the card would not be able to do any transaction with my XXXX  checking account at the US Bank. Thus, no payment for service by the merchant would be fulfilled, resulting in late payment fees or inefficient funds charges. All because I had no smartphone to verify. Additionally, the US Bank Fraud department did not send me a text to my flip phone. Nor did they phone me at my phone number that they suspected fraud. I found no notice by e-mail to my XXXX account that suspicion of fraud. There, then I had to go to the US Bank to get the hold off my card and my money in their bank. I was ferrous and sanguine about the matter of held-up funds for payments that could have charges for late payment or non-sufficient funds added to my merchant billings. With complete noncommittal to resolving my card closure problem and not understanding the possible financial burden this could impose. The clerk and manager would not fix the card problem. They wanted me to call the fraud department to fix the card. I told them that since I had a XXXX  flip phone, there would be no way to verify my identity. I concluded they would not help me to eradicate the matter with the debit card and account. So being very testy I demanded all my funds from my savings account to be transferred to a cashier's check from the US Bank to myself. That when my auto deposits from the XXXX  and XXXX XXXX was made into the account they would be withdrawn from the bank and, I would not be doing any more business with the US Bank. The manager walk me to their door and opened It for me and as I left the bank doorway, I used colorful adjectives to express my feeling toward the manager and the US Bank. Being a 100% unemployable XXXX  XXXX  veteran with major XXXX XXXX XXXX XXXX XXXX, and ongoing medical help for major XXXX  problems. This just added to the burdens, both mentally and physically, that I have to carry daily. Also, at this time I am my wife's care giver full time for all her needs normally done by herself.\nAs she fell on the ice and broken a XXXX  in her XXXX  at the XXXX XXXXt. XXXX  her XXXX XXXX and then her XXXX XXXX also. Underwent XXXX XXXX at XXXX XXXX XXXX Idaho. Then to XXXX XXXX XXXX XXXX in XXXX  for the XXXX  and XXXX  with XXXX XXXX. Currently resting at our home here XXXX XXXX Idaho. Casing a very heavy burden to carry for myself as to take care of my wife daily. Now adding on to my load a letter of XXXX from the US Bank in XXXX  Idaho from XXXX XXXX, branch manager of same place, Here in he disrupts account XXXX, next XXXX and XXXX  which are belonging to family members of XXXX XXXX XXXX then XXXX XXXX, my step daughter.\nWith disregard to others on the account page he elected to close the above referenced deposit account(s) including any companion products and/or services, as applicable, (End of quote from letter 0f XXXX) XXXX XXXX, branch manager disregarded the possible results of his action to two other patrons of the US Bank. He disrupted XXXX XXXX account XXXX  of ($17,819.67) dollars, then the other account XXXX  of the amount of ($6,601.56) dollars. For XXXX XXXX XXXX  her account of XXXXHer debit card would not work put the amount of ($9,375.88) unusable. Then lastly my account XXXX  in the sum of($623.89) for XXXX XXXX XXXX US Bank patron he refused to help with debit card being locked by US Bank Fraud department. Just because I had no smart phone to verify whom I was. I use nothing but a flip. Usually called a XXXX  phone. In total he restricted the use of monies by patrons in the said amount of: ($34,421.) He XXXX XXXX halted the web page of US Bank so that I (XXXX XXXX XXXX  could not log on to my web page for US Bank with my Id or password. I had a lot of problems log in on my wifes account using her password. I ended up having to change her password to get the web page to open to her account. Her debit cards would not work for her account as they also was locked up. On trying to contact the Corporate of US Bank in XXXX MD by phone I got a recording that told me to contact Fraud Department. I used the phone number to them as: XXXX XXXX XXXX  and got that recording. I then called the California Headquarters number XXXX XXXX XXXX  the other  I called was customer service at XXXX XXXX XXXXsame recording. When I did call the fraud phone number at XXXX XXXX XXXX I got some man from XXXX  that I hardly could understand him speaking. However, that was futile attempt to solve my problem with my debit card. As I could not read the text his wanted to send me as I would lose voice contact with him as my flip phone would not work that way. With no smart phone I was at a lose to accommodate him thus resolve the matter.  \n     Attachments of said accounts are here by presented in this complaint document for account XXXX  showing the extent of disruption of these accounts by US Bank and branch manager. Also, illustrated is account XXXX  and the ledger contents of purchase being made during the time that US Bank Fraud Department was moved to hold payments from this account XXXX  as they surmised  fraudulent activity being conducted.  All these transaction on the account XXXX  where being made by myself, (XXXX XXXX XXXX and are normal purchases made by me. Such as a part for my XXXX XXXX from XXXX XXXX. Software purchase for XXXX XXXX XXXX for advertisement pop-ups. My support to to XXXX for the rights of gun owner 2d amendment rights. Payment to XXXX XXXX for watching there movies on my XXXX XXXX. Purchase of additional software for making movies on your computer. The transfer of $50.00 to account XXXX  was for funds purchased by wife checking account. The XXXX  should be self evident as to purchase groceries. XXXX  is a gas station in which you put fuel into your car. XXXX XXXX  is the coffee shop at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID. XXXX, once again is the purchase of groceries for the month to feed the family. Lastly the XXXX XXXX XXXX  should be evident by the word Insurance, Death Certificate for Loss of life accidentally. The US Bank Fraud Department seen something fraudulent on these purchases. Since that man answering was from XXXX speaking with the XXXX XXXX XXXX XXXXXXXX XXXX. I must conclude that he was in the county of XXXX. Or he was an XXXX  employed by US Bank Fraud Department. I have personally encountered  these XXXX  working in the XXXX XXXX XXXX and are hard to understand.\n On review of XXXX  Phone records from XXXX XXXX XXXX  all they way to XXXX XXXX XXXX there is no text message or phone call to my number XXXX) from the US Bank Fraud Department.  But on XXXX XXXX  number XXXX was called. Then at XXXX XXXX  number XXXX called again. Fallowing once more 0n XXXX XXXX XXXX,  During this period above mention there is NO Call, NO Texts from Fraud Department of US Bank. Even after trying Corporate Office in XXXX XXXX) contact was denied-ed to resolve the mater of closed bank card XXXX. I do have 45 pages of text and phone usage from XXXX  to review showing no contact to m e from the fraud department that to the XXXX  card was inactive because of them .  Only  e me calling them at the fraud department of US bank was knowledge of closure made evident.\n                   Deposition  By XXXX XXXX XXXX  on XXXX                                                                      \n     On the XXXX  day of XXXX  of XXXX, I was using my debit card XXXX  to purchase items on the internet. I was trying to add funds to my XXXX account to print off the rest of my stamp sheets to put on my letters to mail them. I had 75 more letters to put XXXX XXXX on so to mail them. After trying to upload new funds to the XXXX account, it would not download new funds. Trying numerous times, something was wrong. I checked my bank account at the US Bank in XXXX  Idaho, and there were enough funds to cover for the XXXX XXXX So, I called the US Bank Fraud numberXXXX XXXX on the back of my XXXX  card. Upon getting a person on the phone, I was not able to understand the voice, as he had a XXXX XXXX XXXX  I picked up on some, that he wanted to verify thr person he was addressing. I gave him my name, birth date, and home address, plus my debit card's full number, XXXX. He needed me to answer a text message on my phone. He was sending it to my phone (XXXX XXXX XXXX). I told him that if I went to my text message center, I would lose phone contact with him. That did not sit well with him, as he did not understand that not everyone has a smartphone. I repeated to him I was holding a XXXX  flip phone that could not be talking to someone and then go to the text messages center at the same time. Therefore, I was unable to give him the text number he sent to me. Since I could not verify myself, US Bank would not release the hold on my XXXX  card. All our financial transactions are set up with the debit card XXXX  and not with bank account information. By stopping use of the debit card, the auto payments set up on the card would not be able to do any transaction with my XXXX  checking account at the US Bank. Thus, no payment for service by the merchant would be fulfilled, resulting in late payment fees or inefficient funds charges. All because I had no smartphone to verify. Additionally, the US Bank Fraud department did not send me a text to my flip phone. Nor did they phone me at my phone number that they suspected fraud. I found no notice by e-mail to my XXXX account that suspicion of fraud. There, then I had to go to the US Bank to get the hold off my card and my money in their bank. I was ferrous and sanguine about the matter of held-up funds for payments that could have charges for late payment or non-sufficient funds added to my merchant billings. With complete noncommittal to resolving my card closure problem and not understanding the possible financial burden this could impose. The clerk and manager would not fix the card problem. They wanted me to call the fraud department to fix the card. I told them that since I had a XXXX  flip phone, there would be no way to verify my identity. I concluded they would not help me to eradicate the matter with the debit card and account. So being very testy I demanded all my funds from my savings account to be transferred to a cashier's check from the US Bank to myself. That when my auto deposits from the XXXX  and XXXX XXXX  was made into the account they would be withdrawn from the bank and, I would not be doing any more business with the US Bank. The manager walk me to their door and opened It for me and as I left the bank doorway, I used colorful adjectives to express my feeling toward the manager and the US Bank. Being a 100% unemployable XXXX  XXXX veteran with major XXXX XXXX XXXX XXXX XXXX and ongoing medical help for major physical problems. This just added to the burdens, both mentally and physically, that I have to carry daily. Also, at this time I am my wife's care giver full time for all her needs normally done by herself.\nAs she fell on the ice and broken a XXXX  in her XXXX  at the XXXX XXXX. XXXX  her XXXX XXXX and then her XXXX XXXX also. Underwent XXXX XXXX at XXXX XXXX XXXX Idaho. Then to XXXX XXXX XXXX XXXX XXXX XXXX for the XXXX XXXX XXXX  with XXXX XXXX  Currently resting at our home here XXXX XXXX Idaho. Casing a very heavy burden to carry for myself as to take care of my wife daily. Now adding on to my load a letter of XXXX from the US Bank in XXXX Idaho from XXXX XXXX, branch manager of same place, Here in he disrupts account XXXX, next XXXX  and XXXX  which are belonging to family members of XXXX XXXX XXXX then XXXX XXXX, my step daughter.\nWith disregard to others on the account page he elected to close the above referenced deposit account(s) including any companion products and/or services, as applicable, (End of quote from letter 0f XXXX) XXXX XXXX, branch manager disregarded the possible results of his action to two other patrons of the US Bank. He disrupted XXXX XXXX account XXXX  of ($17,819.67) dollars, then the other account XXXX  of the amount of ($6,601.56) dollars. For XXXX XXXX XXXX  her account of XXXXHer debit card would not work put the amount of ($9,375.88) unusable. Then lastly my account XXXX  in the sum of($623.89) for XXXX XXXX XXXX US Bank patron he refused to help with debit card being locked by US Bank Fraud department. Just because I had no smart phone to verify whom I was. I use nothing but a flip. Usually called a XXXX  phone. In total he restricted the use of monies by patrons in the said amount of: ($34,421.) He (XXXX XXXX) halted the web page of US Bank so that I (XXXX XXXX XXXX) could not log on to my web page for US Bank with my Id or password. I had a lot of problems log in on my wifes account using her password. I ended up having to change her password to get the web page to open to her account. Her debit cards would not work for her account as they also was locked up. On trying to contact the Corporate of US Bank in XXXX MD by phone I got a recording that told me to contact Fraud Department. I used the phone number to them as: XXXX XXXX XXXX  and got that recording. I then called the California Headquarters number XXXX XXXX XXXX. the other  I called was customer service at XXXX XXXX XXXXsame recording. When I did call the fraud phone number at XXXX XXXX XXXX I got some man from XXXX  that I hardly could understand him speaking. However, that was futile attempt to solve my problem with my debit card. As I could not read the text his wanted to send me as I would lose voice contact with him as my flip phone would not work that way. With no smart phone I was at a lose to accommodate him thus resolve the matter.  \n     Attachments of said accounts are here by presented in this complaint document for account XXXX  showing the extent of disruption of these accounts by US Bank and branch manager. Also, illustrated is account XXXX  and the ledger contents of purchase being made during the time that US Bank Fraud Department was moved to hold payments from this account XXXX  as they surmised  fraudulent activity being conducted.  All these transaction on the account XXXX  where being made by myself, (XXXX XXXX XXXX) and are normal purchases made by me. Such as a part for my XXXX XXXX from XXXX XXXX. Software purchase for XXXX XXXX  update for advertisement pop-ups. My support to to XXXX  for the rights of gun owner 2d amendment rights. Payment to XXXX XXXX  for watching there movies on my XXXX XXXX. Purchase of additional software for making movies on your computer. The transfer of $50.00 to account XXXX  was for funds purchased by wife checking account. The XXXX  should be self evident as to purchase groceries. XXXX  is a gas station in which you put fuel into your car. XXXX XXXX  is the coffee shop at the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, ID. XXXX, once again is the purchase of groceries for the month to feed the family. Lastly the XXXX XXXX XXXX should be evident by the word Insurance, Death Certificate for Loss of life accidentally. The US Bank Fraud Department seen something fraudulent on these purchases. Since that man answering was from XXXX  speaking with the XXXX XXXX XXXX XXXX XXXX. I must conclude that he was in the county of XXXX. Or he was an XXXX  employed by US Bank Fraud Department. I have personally encountered  these XXXX  working in the XXXX XXXX XXXX  and are hard to understand.\n On review of XXXX XXXX records from XXXX XXXX XXXX all they way to XXXX XXXX XXXX there is no text message or phone call to my number (XXXX) from the US Bank Fraud Department.  But on XXXX XXXX  number XXXX was called. Then at XXXX XXXX number XXXX called again. Fallowing once more 0n XXXX XXXX XXXX,  During this period above mention there is NO Call, NO Texts from Fraud Department of US Bank. Even after trying Corporate Office in XXXX (XXXX) contact was denied-ed to resolve the mater of closed bank card XXXX. I do have 45 pages of text and phone usage from XXXX  to review showing no contact to m e from the fraud department that to the XXXX  card was inactive because of them .  Only  e me calling them at the fraud department of US bank was knowledge of closure made evident.\n     The US Bank owes XXXX XXXX XXXX XXXX XXXX XXXX a direct written apologetic letter for the missed guided Branch Manager that convoluted this absorbed action against patrons depositors to the US Bank in XXXX Idaho  from the Corporate Offices of the US Bank. \n\n\n  \n\n"

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