Consumer complaint received 2025-10-16 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: OR

Complaint narrative:
Issue with XXXX bank Credit Card XXXX XXXX services, and repetitive system issue for receiving replacement cards with no accountability by XXXX bank. 

On XX/XX/year>, I called into XXXX bank as my flex perks reward travel rewards card is expiring in XXXX and I was currently with my in laws in the XXXX before traveling to XXXX on XX/XX/XXXX. i was previously traveling through XXXX for 90 days in a motorhome with no permanent travel adress. I asked to get a replacement card sent to my in laws house where i was staying. I answered all the security questions, the representative then had to transfer me to another representative to confirm information. The XXXX representative asked more detailed information that i answered clearly and correctly and then froze me out of my card and told me a representative would call me within XXXX hours. the representative then told me my card would still be working in the mean time. 

When I got off the line the card was no longer working, XXXX lie. I waited XXXX hours. No call. XXXX lie. I then called in trying to get clarity. i was then informed it would take XXXX XXXX XXXX hours... i waited another XXXX hours making a total of XXXX hours. no call. XXXX lie. I called in and then was informed that someone attempted to call me. XXXX lie. there is no incoming call record on my phone. 

I then was able to get my account unlocked, they said I flagged my account for fraud. Incorrect. I then lost the window of time to get a replacement card before flying out. 

fast forward to Thursday XX/XX/XXXX at XXXX indochina time. I am in a stable place until XX/XX/XXXX. I call in to get a replacement card expedited as this card is still expiring in XXXX. I confirm my identity. i then get transfered to another department again. i then confirm my identity AGAIN. the representative locks my card AGAIN. Same loop. No one will tell me anything. They will not tell me why XXXX getting locked out. they can not help me solve this problem. XXXX not waiting on someone to supposedly call me again. I provided my thai number and XXXX number. They historically don't call out to international numbers. 

I have been lied to by XXXX Bank. Locked out of my card multiple times. Left in the dark about what is happening. XXXX pretty sure this is a system error loop but there is non XXXX present to take accountability of the failure of XXXX bank and its representatives to rectify this issue. 

They are unwilling to email me, they wont use an app for additional verifiction. XXXX representative recommended my next course of action is to send a piece of mail ( from XXXX ) to the office of the president if I am dissatisfied with this process. 

I just want to talk to someone who can help me get a replacement card. but no one can or will take accountability or responsibility. 

XXXX. I am systematically being locked out of my accounts on loop anytime I try to get a replacement card XXXX. No communication or accountability for the mistakes or misinformation. 
XXXX. ( though this one is more of a systemic cultural issue and not a legal challenge ) in general.... there is a sense of lack of care to try to help once XXXX locked out. theres no one to talk to. no one to help. just a hall of mirrors blocking me from using the product.

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