topic Re: What in the world is wrong with USBank? in Credit Cards

What in the world is wrong with USBank?

Physh1 — Thu, 20 Jun 2019 00:49:53 GMT

Ok, I was thrilled that over a week ago I was approved for a USBank Cash+ with a 10k limit. I'm an exisiting cardholder as I have the REI card...the Cash+ was an instant approval. Just gets worse from here...

The account popped up on my online access before the card showed up showing a 10k limit. Card showed up in the mail on Saturday. I went online to activate it & USBank tells me the account doesn't exist & the account is missing from my online access.

Monday morning I call the activation phone number & the lady I spoke with asked me every bit of personal info possible to verify I am who I am than tells me she see's my account but cannot access it. She tells me I need to call USBank Fraud Prevention.

I call fraud prevention about an hour later. Another friendly rep asks me to verify my email address. I verify it & she says that is all she needs & my card can now be activated. All Fraud Prevention needed to do is verify my email?!?!?!? I hang up, call the activation line & it works & the card pops right back up on my online access.

I used it yesterday twice. Once for gas (~$80) & once for a lunch at Subway (~$7). Both transactions go through. I used it this morning for a quick McDonalds breakfast & it's declined. The account is missing again from my online access & I called USBank & they are telling me I need to speak with Fraud Prevention AGAIN! Since they are now closed I cannot call tonight...I'll have to wait until tomorrow.

Anyone have any idea of what's going on? I've never had this issue with any card with any issuer ever. The gentleman I just got off the phone with who told me I need to call FP again said he see's a lot of notes about multiple openings & closings of this account. No new account has hit my reports yet. Anyhow...if anyone has some insight I'd appreciate it. I'm puzzled...I've kept my calm but I won't lie...if this isn't fixed I'll likely just close the card & close my Rei card as well. Not worth it...

Re: What in the world is wrong with USBank?

DoogieBall — Thu, 20 Jun 2019 02:31:11 GMT

That sounds like a big headache. Hopefully it was a one time glitch and it will never happen again.

Re: What in the world is wrong with USBank?

Anonymous — Thu, 20 Jun 2019 04:03:10 GMT

Just some advice! If the cash+ card keeps messing up, then closing it might make sense. But if the REI card has been useful and trouble free, closing it is much less justified, hurting you rather than them! Basically, don't react too much in anger....

Re: What in the world is wrong with USBank?

NRB525 — Thu, 20 Jun 2019 04:14:39 GMT

Congrats on the new card but, just thinking out loud, maybe that instant approval started the problems.

Many people ( and me ) have every US Bank app go to underwriting for review. If your app did not go to UW, maybe something did not get properly completed.

At at this point you have only called FP one time. The Cash+ is a very good card to have. I’d give US Bank some time to work through the setups. If FP says “only email, you are fine” I would mention ( if not already clear ) the recurring problems and ask nicely again “Are you sure ? “

If a branch is nearby, that might be helpful to get a banker to call FP.

Re: What in the world is wrong with USBank?

Shadowfactor — Thu, 20 Jun 2019 04:39:05 GMT

I’ve gotten instant approvals from US bank and didn’t have these issues.

This isn’t the usual for them, so I would try to work it through. Honestly USB and Amex are by far the best to deal with when it comes to approving charges. Never heard one peep from either of them.

I would give them a chance to get whatever the issue is worked out

Re: What in the world is wrong with USBank?

ChargedUp — Thu, 20 Jun 2019 04:41:55 GMT

I had something somewhat similar happen with my Elan card at first (USBank affiliate). I got the card, activated it and everything was fine that day. Went to grab In N Out the next day and it declined. I called and they put me through to FP, asked a bunch of identity questions and in the end, they said "We just wanted to make sure it was you that applied for the card." "Well, yeah.. It's me" It's been problem free ever since.
I did pick it up in an app spree with BoA, Amex Gold, and CFU. I don't know if this played a roll in the extra verification or not.

Re: What in the world is wrong with USBank?

Anonymous — Thu, 20 Jun 2019 07:27:28 GMT

Physh1 certainly hope they can't find and fix your situation! A little scary when you haven't even really road tested it yet?! Fingers crossed.

Re: What in the world is wrong with USBank?

issac2x — Thu, 20 Jun 2019 09:31:11 GMT

I've had a similar problem as well but it happened with Wells Fargo. When I got my propel for the first few week or so it was declined more than once with text messages from the WF team that I needed to call into fraud services. They needed to walk me through my transactions before clearing my card for usage. I thought it had to do with me being a new customer with no prior relationship with them so I just waited it out and eventually it stopped. Not sure if your situation is the same as mine OP but hope it works out for you since the Cash+ is a decent card to have.

Re: What in the world is wrong with USBank?

Physh1 — Thu, 20 Jun 2019 18:06:06 GMT

After 25 minutes on hold this morning I got ahold of the Fraud Prevention people again. Rep said he saw everything & verified a few personal details & restored my account. He said he's never seen something like this occur. I've got 2 supervisors to contact directly should this happen again. Used my card 10 minutes after the phone call & all was good...

We'll see...hopefully this is squashed.

Thanks for the feedback...

Re: What in the world is wrong with USBank?

Anonymous — Thu, 20 Jun 2019 18:47:36 GMT

Glad that is all worked out for you, sounded like a real hassle. And while you're probably just happy that it's taken care of and finally works.

But maybe you should get an addtional SUB for the trouble? It was afterall an inconvenience on your end.

Welcome to the new world of Fraud Prevention, better safe than sorry i guess. just be glad you wren't planning travel soon after the app, like so many here seem to do.

Re: What in the world is wrong with USBank?

Physh1 — Thu, 20 Jun 2019 19:31:02 GMT

Another SUB would be great but I'd honestly just like a soft pull cli on my Rei card...

Re: What in the world is wrong with USBank?

gdale6 — Thu, 20 Jun 2019 20:39:49 GMT

I suspect since it was a brand new account and you used it at a gas station then a small charge for a meal triggered the fraud shutdown. These categories are two of the highest for fraud. I would stay away from further gas station purchases for your first week or so.

Re: What in the world is wrong with USBank?

Anonymous — Thu, 20 Jun 2019 22:25:29 GMT

Not the OP's original question, but they seem to have some coding issues on the website!

I was trying to change my ATM PIN. I used the automated chat and it quickly gave me a link to use. When I clicked it it said the system is down at present please try again later. After continuing failures over a few hours, I looked at the link, and it contains something like "[TOKEN]" which is presumably meant to be instantiated! Using plain Help, I was directed through the menus and it works fine.

So, clearly everyone should close all the US Bank cards and STAY AWAY from the bank!

Re: What in the world is wrong with USBank?

jdbkiang — Thu, 20 Jun 2019 22:30:35 GMT

Just had a very complicated problem with them whilst depositing a check this morning also. I do eventually want the Altitude Reserve with them, so hopefully it gets resolved soon.

Re: What in the world is wrong with USBank?

Anonymous — Thu, 20 Jun 2019 23:34:40 GMT

I received my Cash+ card around 2 weeks ago and I had a similar issue. I tried to activate it online and I received a message that there’s a problem and I need to call a phone number to activate. I called the number and the person told me that my account was “restrained” and I need to call another number. I called that number and they told me they’ve been experiencing a lot of fraud and they’ve now released my account but I won’t be able to activate it online until the following day.

From my experience applying to activating, I have to say as bank they really get in their own way.

Re: What in the world is wrong with USBank?

Anonymous — Fri, 21 Jun 2019 00:47:50 GMT

I do find it somewhat comical that they'll go ahead and HP the applicant , open an account and mail out the card before any type of anti fraud action is performed. Then once said card is in hand, activated and used, that's when bells start going off. lol

Be much better to start anti fraud actions during said application. I'd rather have this type of issue resolved before any cards are even sent out.

Re: What in the world is wrong with USBank?

Anonymous — Fri, 21 Jun 2019 01:29:50 GMT

@Anonymous wrote:
I do find it somewhat comical that they'll go ahead and HP the applicant , open an account and mail out the card before any type of anti fraud action is performed. Then once said card is in hand, activated and used, that's when bells start going off. lol

Be much better to start anti fraud actions during said application. I'd rather have this type of issue resolved before any cards are even sent out.

Do you really think that fraud prevention measures are, or should be, as simplistic as you described? Any lender has an interest in ascertaining that (a) the person applying for credit is who they say they are, and (b) the credit card ends up in the hands of the right person. Consequently FP measures are deployed right up until the moment the applicant receives the credit card, and in many instances, even after the card is received.

There's a lot about the OP situation that we don't know and will never know so its pointless to make a judgement in the absence of the facts. What if there have been reports of credit card thefts from mailboxes in the OP's mailing area? Is the bank supposed to just ignore that? What if a mail carrier is suspected of stealing credit cards or the information they contain? (that happens more frequently that you would think) . Is the bank supposed to ignore it and just absorb the loss?

Also, other factors like spousal identity theft are a huge issue, even when the card is delivered to the correct address. Those would be few reasons why FP continues after the card is issued. We also would never know if there is an active investigation by the bank and an entity like the US Postal Inspection Service.

Re: What in the world is wrong with USBank?

Physh1 — Fri, 21 Jun 2019 03:07:59 GMT

Actually, what I find comical & really unreasonable is that they have closed my card down twice without a single phone call to me. If there is enough cause to close a card that should be enough reason to make contact with the primary cardholder.

Re: What in the world is wrong with USBank?

mikesonthemend — Fri, 21 Jun 2019 03:27:49 GMT

I hate that so many are having issues with US Bank. I am fairly new to them, about 3 months. I have only swiped the card once, but have used them with PayPal and 0% BTs without issue.

Re: What in the world is wrong with USBank?

M_Smart007 — Fri, 21 Jun 2019 05:54:28 GMT

I use The US Bank Cash+ card a bunch, not one single problen.

Probably 700+ Transactions run through it.

Transactions range from $9.99 to $1400 each.

No Complaints here.