Complaint Review: US Bank
US Bank Deceptive Practice and Ruins Credit Union Nationwide
*Consumer Comment: Sorry
*General Comment: Business decisions--
*Author of original report: To Robert the Consumer
*Consumer Comment: Oh yea...that's it.
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I received a letter in September 2017 stating they were not going to reissue me a new credit card back on 12 months of non-activity. I have had a relationship with US Bank for 12 years and so for 12 years and throughout that 12 years have been in good standing. So, I was surprised that I didn't get a letter until after they decided my credit card would expire on 08-2017 that they would not renew. I called and spoke with a supervisor who informed me that he asked for US Bank to send letters at least a month in advance so customers could simply take care of the non-activity issue but was often taken on unheard ears.
My credit score was 782 and when I checked I saw that US Bank looked at my credit in August prior to it expiring. So I asked the supervisor my concern was about the 12-year relationship and what that would do to my score. He proposed I write a letter to reinstate the card to give them information about my income and the sort. I did so. US Bank then hard-line my credit again. When I canned customer service again, I was told a letter had been sent to me and I asked what did it say but was told they did not have access to that information.
Once I received the letter, the claimed they were not going to reopen the account because of my debt ratio. So now it was too much debt. So, US Bank closed a 12-year relationship because of non-activity (not my debt ratio) dropping my score, the hardline my credit again and dropping my score more, and then sending me a letter saying that due to my debt ratio and that my credit was 707 (which they are responsible for)- it is obvious to me they only thing they wanted to do was ruin my credit score that was 800.
I feel used, misused, and abused and I want everyone to know.
This report was posted on Ripoff Report on 09/24/2017 07:32 PM and is a permanent record located here: https://www.ripoffreport.com/reports/us-bank/nationwide/us-bank-deceptive-practice-and-ruins-credit-union-nationwide-1402092. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year. Ripoff Report has an exclusive license to this report. It may not be copied without the written permission of Ripoff Report. READ: Foreign websites steal our content
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