Consumer complaint received 2025-03-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: KY

Complaint narrative:
I am disputing a credit card account ( Account : XXXX XXXX XXXX XXXX ) that was unsolicited and opened without my knowledge or consent by XXXX and XXXX XXXX. I received an email that appeared to be from XXXX, where I hold significant accounts, stating that an unsolicited card had been approved and was on its way. The card was then linked to my XXXX app, leading me to believe it was managed by XXXX, not XXXX XXXX, and allowing me to interact with the account on the XXXX app and website. At no point was I made aware that XXXX XXXX was involved in managing the account or that XXXX XXXX even existed. 

Due to XXXX missed {$40.00} payment after I updated my contact information with XXXX, and without any proper notification, contact, or introduction from either XXXX or XXXX XXXX, the credit card was removed from my XXXX app and XXXX website. This prevented me from making payments, transferring money, or properly managing the account, harming my XXXX XXXX, financial management, and ability to provide for my family. Although I updated my address with XXXX before the missed payment, and XXXX had no issues contacting me, neither XXXX nor XXXX XXXX informed me of the cards status or cancellation, leaving me unaware of the situation. 

When I noticed the account was missing from the XXXX app and website, I called XXXX. The representatives acknowledged they were not associated with the account and could only speculate about what happened. They asked me to make a payment and then directed me to XXXX XXXX, a company I had never heard of, adding to my confusion. When I contacted XXXX XXXX, the representatives quickly transferred me and became upset, questioning my knowledge of credit and financial management, which left me feeling embarrassed, belittled, and distressed. 

I am also deeply concerned that my XXXX accounts are tied to an inherited IRA account from my father, who worked at XXXX XXXX in XXXXXX/XX/XXXX These accounts were transferred through XXXX relationship with XXXX to heirs of deceased XXXX workers. This has exposed me to unnecessary financial ruin simply through association with these accounts. The lack of communication and mishandling of this situation by both XXXX and XXXX XXXX has compounded my financial distress and emotional hardship. 

On Tuesday, XX/XX/XXXX, I sent a certified letter including my complaint and requests for documentation and proof. On XX/XX/XXXX, I received an envelope from XXXX XXXX with no response or introduction, only a simple cardholder agreement, failing to address the other requested documentation. As requested in the certified mail, I am again requesting the following to validate the debt : XXXX. Proof of my explicit consent to open the unsolicited credit card account, as it was forced on me. 
XXXX. A record of all communications regarding missed payments, account cancellation, and account status, including recorded phone conversations, attempts to contact me and communications and/or documents between XXXX and XXXX regarding XXXX case, as they were both involved ( e.g., XXXX attempting XXXX collect for XXXX after XXXX card was canceled ). 
XXXX. Evidence that I was informed that XXXX XXXX, not XXXX, was the issuer of the credit card, or that I was even interacting with XXXX XXXX. 
XXXX. Confirmation of the reasons and process for removing the card from my XXXX app and canceling the account, leaving me without proper information or tools to manage the account. 

Additionally, I am filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Office of the Comptroller of the Currency ( XXXX ), and the Federal Trade Commission ( FTC ) regarding this issue.

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