U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Closing/Cancelling account Ohio

On -/-/-, U.S. Bank Card Services decided to close my credit card account with a limit of $22000.00 that I have had since -/-/-. In a letter dated -/-/-, U.S. Bank informed me that since I had not used the credit card in the past 12 months that they decided to close my account. I did not receive any advance notice of them considering this decision and when I contacted them by both telephone and in a written letter, they stated that they would reconsider reopening my account if I unthawed all - of my credit bureau reports. I informed them that I had to place a security freeze on my credit reports as a result of the - - - and - data breaches since I am a federal employee and that it would cost me a total of $30.00 to unthaw and refreeze my credit reports and would also result in a new hard inquiry. U.S. Bank informed me that they randomly select a credit bureau. Before U.S. Bank decided to close my credit card account, my - Credit score was in the - range and now has dropped to - based on the AdvantageScore from - -.


I had misplaced my U.S. Bank credit card in my files resulting in the activity, I feel that U.S. Bank could have sent me a letter in advance that they were considering closing my card so I could have began utilizing the card again. My - and - scores are in the - FICO range so I have managed credit wisely. I believe it is unfair that I am now being penalized on my credit report and score when I have done nothing wrong. I have never been late on a payment with U.S. Bank regarding my prior home mortgage, lines of credit, prior car loans, and this specific credit card account that was closed.