Consumer complaint received 2025-04-30 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: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, AZ XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, D.C. XXXX Subject : Formal Complaint Regarding U.S. Bank Credit Card Practices Dear CFPB Representative, I am writing to formally file a complaint against U.S. Bank regarding their handling of my credit card account, which has caused me significant financial and personal hardship over the past several weeks. 

Between XX/XX/XXXX to XX/XX/XXXX I was forced to call U.S. Bank a total of 16 times due to repeated and excessive fraud blocks placed on my account. Despite multiple verifications and confirmations of my identity and legitimate purchases, the bank 's fraud detection system continued to decline my transactions without proper justification or notice. 

As a result of these wrongful blocks, I was unable to process essential payments. U.S. Bank flat out refused to approve charges to both my cell phone and utility service providers, even after I confirmed the legitimacy of the transactions multiple times, with multiple departments and representatives. In the case of my utility bill, this led to my power being shut off after three days of trying to get this payment made a situation made even more urgent and unacceptable by the fact that I have a newborn child at home. Furthermore, after spending multiple hours on the phone, and being told multiple times " it should work '' by US Bank representatives, I was finally told to " make the payment out of another account, because I make large payments to this card from my checking account. '' The amounts of these charges, were both less than 10 % of my credit limit, {$470.00} and {$220.00}, respectively. 

U.S. Banks customer service and fraud verification departments repeatedly transferred and redirected me without resolving the issue. I was treated as though I were a suspect rather than a customer, with no real effort to resolve my concerns or escalate my case appropriately. 

Furthermore, I have lost hundreds of dollars in rewards points due to U.S. Banks negligence and the malfunctioning of their fraud detection systems. In addition, despite consistently paying off my balance in full each month, U.S. Bank has placed two-week holds on every single payment Ive made even when using the same external accounts they previously accepted. These funds, were held by US Bank for weeks after the payments cleared my checking account, stating various reasons for the hold. I even went as far as to conference the institution where my checking account is held to verify the payment to no avail. 

I believe U.S. Banks practices are not only detrimental to consumers but are also potentially in violation of fair credit practices. Their actions have caused me financial loss, emotional distress, and placed my familys well-being at risk. I am requesting that the CFPB investigate these practices and take appropriate regulatory action to ensure that consumers are protected from such systemic failure and mistreatment. 

Thank you for your attention to this matter. I am prepared to provide call logs, statements, and any additional documentation needed to support my complaint. 

Sincerely, XXXX XXXX

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