Consumer complaint received 2025-10-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear OCC Consumer Protection Division, I am respectfully requesting reconsideration of my prior complaint ( OCC Complaint No. XXXX ) against U.S. Bank National Association , which was closed after the bank provided a generic, non-substantive response stating only that it treats all customers the same. This template response did not address the specific facts, documentation, or federal law violations I presented, nor did it remedy the ongoing harm that I continue to experience.

I am a federal government employee and single mother who is currently furloughed due to the government shutdown. I have been a loyal U.S. Bank customer for over 16 years, with my XXXX Rewards credit card open for approximately 13 years. 

On XXXX XXXX XXXX, my credit card was unexpectedly declined several times. When I contacted the bank, I was informed that my account had been closed due to fraud risk or risk to the institution, allegedly because I had exercised my lawful right to dispute charges under the Fair Credit Billing Act ( FCBA ), 15 U.S.C. 1666. On XX/XX/year>, I received a letter citing potential risk of committing fraud or fraud activity. 

These allegations are false and unsubstantiated. My billing disputes were valid and successful, proving that my actions were legitimate and in full compliance with federal law. The closure of my account appears retaliatory, in violation of both the FCBA and the Equal Credit Opportunity Act ( ECOA ), 15 U.S.C. 1691 ( d ), which requires creditors to issue a written Adverse Action Notice specifying the specific reasons for adverse decisions and advising consumers of their right to appeal.

To date, U.S. Bank has never issued a proper Adverse Action Notice, as mandated by law. Their only communication contained vague statements and omitted all disclosures required under ECOA and Regulation B ( 12 C.F.R. 1002.9 ).

The OCC previously closed my complaint after U.S. Bank submitted a boilerplate response that ignored my legal claims, the missing Adverse Action Notice, and the unverified fraud risk claim. The bank also disregarded my documented hardship as a furloughed federal employee and single mother, despite multiple requests for temporary forbearance, balance relief, or hardship accommodation.

Since the retaliatory account closure, my credit score has dropped by approximately XXXX points, even though I have never missed a payment or been delinquent. I believe U.S. Bank may have furnished inaccurate or misleading information to credit bureaus in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2. The resulting harm to my credit has worsened my financial hardship during this furlough period.

Request for Reconsideration and Relief Because the OCCs prior closure was based on an inadequate and generic response from U.S. Bank, I respectfully request that my complaint be reopened and fully reconsidered. Specifically, I ask that the Consumer Protection Division : 1. Reopen Complaint No. XXXX and require U.S. Bank to provide a detailed, case-specific explanation addressing all facts, documents, and potential violations raised.

2. Investigate potential violations of the FCBA, ECOA, and FCRA, including retaliation for lawful billing disputes and false credit reporting.

3. Require U.S. Bank to issue a proper Adverse Action Notice in compliance with 15 U.S.C. 1691 ( d ) and 12 C.F.R. 1002.9, clearly stating the factual reasons for the account closure and informing me of my right to appeal. 
4. Ensure correction or removal of any inaccurate or misleading credit information furnished to XXXX, XXXX, or XXXX. 
5. Recommend hardship relief, such as temporary forbearance or balance reduction, given my verified furlough status and excellent payment history.

6. Consider supervisory or enforcement action to prevent U.S. Bank from issuing template responses in place of legally required, individualized consumer disclosures.

U.S. Banks continued refusal to issue a compliant Adverse Action Notice, its retaliatory closure following lawful billing disputes, and its disregard for my hardship as a furloughed federal employee demonstrate ongoing violations of federal consumer-protection laws.

I respectfully urge the OCC Consumer Protection Division to reopen Complaint No. XXXX, require a substantive response from U.S. Bank , and take appropriate corrective or enforcement action to ensure compliance with the FCBA, ECOA, and FCRA.

Thank you for your reconsideration and your continued commitment to protecting consumers.

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