Consumer complaint received 2026-03-24 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: NJ

Complaint narrative:
I am filing this complaint regarding ongoing and unresolved restrictions on my secured credit card account with U.S. Bank that have resulted in denial of access to my funds and disruption of my professional responsibilities. Since XX/XX/year>, I have experienced repeated transaction declines, lack of fraud alerts, and failure to resolve account restrictions despite prior escalations. These issues have persisted over several months and remain unresolved. I do not receive fraud alert text messages, emails, or phone calls when transactions are blocked. As a result, I am not given any opportunity to verify legitimate transactions in real time. Instead, transactions are declined, requiring me to contact the bank. Most recently, while attempting to purchase a work-related airline ticket, my transaction was declined. I contacted U.S. Bank and was instructed to call the fraud department. Upon contacting fraud, I was then told I needed to speak with the override department. The override department was not immediately available, preventing me from completing the transaction in real time. As a result, I was delayed in booking necessary travel for a time-sensitive work trip. I was required to proceed to the airport without having secured travel arrangements in advance, resulting in additional time burden, including extended lines and delays associated with airport processing and TSA. During this same interaction, I was informed that my account required fraud review and that there were multiple ( two ) blocks on my account. I was also informed that my account has an undisclosed restriction limiting airline transactions, specifically a {$300.00} threshold for XXXX XXXX, with transactions above this amount automatically flagged as high risk. I was never notified of this restriction. Given that airline travel routinely exceeds {$300.00}, this effectively prevents normal use of my account for required work travel. My role requires frequent travel and coordination with healthcare providers, including surgeons. The inability to access my secured credit has directly interfered with my job responsibilities and created a work stoppage risk. Following my fraud report, my account has been subjected to increased restrictions, including multiple fraud blocks, transaction limitations, and undisclosed merchant-specific thresholds. While fraud protections are expected, these restrictions have effectively limited my ability to access and use my secured credit. The account is therefore not functioning as intended, as I am unable to reliably use funds that are secured by my own deposit. This reflects a pattern of unresolved account restrictions, undisclosed limitations, lack of fraud notification, and inability to verify legitimate transactions in real time. This issue has been previously escalated through multiple complaints through CFPB and remains unresolved. I also currently have an active complaint under review with the Office of the Comptroller of the Currency, further demonstrating that these issues have persisted despite prior escalation efforts.

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