Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: U.S. BANCORP
State: IL

Complaint narrative:
Product : Credit card Issue : Billing dispute / unauthorized charges/ improper account linkage Complaint Narrative : I am submitting this complaint regarding unauthorized credit card activity and improper linkage of my personal checking account to a credit card account I did not apply for, possess, or authorize. 



A U.S. Bank credit card account ending in XXXX was originally opened in my former husbands name in or around XXXX. I never applied for this card, never had possession of it, and never authorized its use or any payments toward it. 



My former spouse and I separated in XX/XX/XXXX and were formally divorced in XX/XX/XXXX. At that time, I changed my name back to my maiden name and provided my local U.S. Bank branch with a copy of my divorce decree. I worked with a personal banker to separate my finances and was advised that I could safely keep my checking account ending in XXXX open for recurring bills if I changed my password. I was explicitly assured that my former husband would not be able to access this account. 



In or around XXXX XXXXmore than three years after our separation and nearly three years after our divorcemy former husband reactivated the credit card ending in XXXX and took approximately a {$1300.00} cash advance. I did not authorize this reactivation, the cash advance, or any related charges. 



Beginning around that time, monthly payments of approximately {$350.00} were automatically withdrawn from my checking account ending in XXXX without my knowledge or consent. The transaction description appeared only as cc payment, which I reasonably believed referred to my separate, authorized U.S. Bank credit card. I had no way of knowing these withdrawals were being applied to my former husbands credit card account. 



As a result, I unknowingly paid approximately {$2500.00} toward this unauthorized debt. When I later discovered the source of the payments, I made a {$98.00} payment in XXXX solely to prevent damage to my credit, as my former spouse is facing foreclosure and bankruptcy and could not make the payment. This payment was made under financial duress and does not constitute acceptance of responsibility for the debt. 



Despite these payments, the credit card still carries an outstanding balance of over {$2400.00}, and I am being pressured to continue paying for debt that is not mine. 



I did not authorize : the credit card application the reactivation of the card in XXXX the cash advance automatic payments from my checking account I have repeatedly raised this issue with my local branch and Card Services. Card Services stated there was nothing they could do, and branch management declined to provide written confirmation regarding the banks findings or internal controls. I have not been provided documentation showing how or when my personal account was linked to this credit card despite my divorce, name change, and reliance on bank assurances. 



I am requesting the following resolution : Reimbursement of all unauthorized payments withdrawn from my checking account ( approximately {$2500.00}, including the XXXX payment ). 
Immediate removal of my name from the credit card account ending in XXXX. 
Written confirmation that my credit will not be adversely affected now or in the future. 
Documentation showing who authorized the automatic payments from my checking account, including the date, method, and proof of authorization. 




This situation represents a serious failure of internal controls, consent verification, and post-divorce account separation. I am requesting review and assistance from the Consumer Financial Protection Bureau to ensure proper resolution.

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 non-monetary relief