US Bank adverse action
May 4, 2017, 7:55 am
#121
Join Date: Aug 2013
Posts: 1,207
May 4, 2017, 8:26 am
#122
Join Date: Mar 2015
Posts: 283
It may resemble a grilling. Frankly he shouldn't be working in a customer-facing job (he doesn't come across as a nice guy). Be firm but polite.
May 4, 2017, 8:29 am
#123
Join Date: Dec 2010
Posts: 1,516
Will he question purchases or talk about different things ?
update: I didn't walk out without shutdown. The lady came straight to the point, that I was purchasing GCs on my flexperks card and said everything is closed. bye bye points.
am I correct that usbank doesn't care about cfbp?
Last edited by jk2; May 4, 2017 at 8:37 am
May 4, 2017, 10:57 am
#124
Join Date: Aug 2008
Location: PDX
Programs: DL, UA, AA, BA, AS, SPG, MR, IHG, PC
Posts: 862
Would cashing out money orders at a US Bank teller window as opposed to depositing fly under the radar?
If contacted by US Bank about money order deposits, how would you respond in order to avoid a shut down?
If contacted by US Bank about money order deposits, how would you respond in order to avoid a shut down?
May 4, 2017, 3:35 pm
#125
Join Date: Jun 2014
Programs: UA Premier 1K, *A Gold
Posts: 160
Had all my accounts also canned by USB for VGC MS. People to contact in "Cardmember Investigations":
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Last edited by tcook052; May 7, 2017 at 9:37 am Reason: remove employee phone numbers
May 4, 2017, 5:16 pm
#126
Join Date: Jul 2014
Posts: 3,688
once you get a call from them, expect the worse case scenario.
tread lightly doing MS with USBank.
May 5, 2017, 1:36 am
#127
Join Date: Mar 2014
Location: PWM
Programs: AA Plat
Posts: 1,335
Had all my accounts also canned by USB for VGC MS. People to contact in "Cardmember Investigations":
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Last edited by tcook052; May 7, 2017 at 9:37 am Reason: edit quote
May 5, 2017, 3:21 am
#128
Join Date: Dec 2010
Posts: 1,516
Oh dear! Sorry to hear that. As noted in my post, they don't give a darn. I was told the same thing but I was eventually able to squeeze 2 cpp out of them so aim for that. This whole forfeiture thing is beyond the pale and has to end. Cf. Gao v. JPMorgan Chase & Co.
I was gonna file (even drafted a pleading) but my lawyer advised me not to. I read the T&C (but not closely enough, it seems). You're right! Arbitration is not mandatory for small claims. I suppose they could remove to regular court though... Please keep us updated on your progress
I was gonna file (even drafted a pleading) but my lawyer advised me not to. I read the T&C (but not closely enough, it seems). You're right! Arbitration is not mandatory for small claims. I suppose they could remove to regular court though... Please keep us updated on your progress
May 5, 2017, 7:12 am
#129
Join Date: Oct 2009
Location: Land of the parrots and parrotheads
Programs: Several dozen
Posts: 4,820
Meh - past interviews for risk closure positions at financial institutions have included questions like "Do you enjoy stealing candy from babies and torturing small animals?" Banking just is what it is. 
May 5, 2017, 7:51 am
#130
Join Date: Dec 2010
Posts: 1,516
Had all my accounts also canned by USB for VGC MS. People to contact in "Cardmember Investigations":
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Christina:
Keith:
Anyone tried filling in small claims against USB? Their cardmember agreement doesn't enforce mandatory arbitration for small claims. Just had my attorney send off a demand letter to their "Office of the President."
Last edited by tcook052; May 7, 2017 at 9:38 am Reason: edit quote
May 5, 2017, 2:55 pm
#131
Join Date: Jun 2014
Programs: UA Premier 1K, *A Gold
Posts: 160
May 6, 2017, 5:26 pm
#132
Join Date: Mar 2014
Location: PWM
Programs: AA Plat
Posts: 1,335
Sorry I don't have any special tips. I just wrote a ton of letters to put pressure on them. Say the seized points are worth 2 cpp and you would like to be reimbursed. I think showing persistence is important. Legally they have a pretty strong case IMO so it's hard to strategize.
My lawyer always advises to start with a nice letter, then an innocently confused letter, and so on. It makes you the company want to help you and makes you look sympathetic. After that you can go nuclear
May 6, 2017, 8:41 pm
#133
Join Date: Mar 2016
Posts: 267
Did anybody walk away without shutdown? Now, I wish I wouldn't apply for atltitude card
Will he question purchases or talk about different things ?
update: I didn't walk out without shutdown. The lady came straight to the point, that I was purchasing GCs on my flexperks card and said everything is closed. bye bye points.
am I correct that usbank doesn't care about cfbp?
Will he question purchases or talk about different things ?
update: I didn't walk out without shutdown. The lady came straight to the point, that I was purchasing GCs on my flexperks card and said everything is closed. bye bye points.
am I correct that usbank doesn't care about cfbp?
Last edited by DjRocket; May 6, 2017 at 8:44 pm Reason: saw the answer
May 7, 2017, 7:01 am
#134
Join Date: Dec 2010
Posts: 1,516
May 7, 2017, 1:24 pm
#135
Join Date: Dec 2009
Location: EWN/OAJ/RDU/ILM (Formerly BTV)
Programs: HH D i a m o n d !!!
Posts: 356
It would be very helpful if the folks who recently were shutdown by USB could please provide additional info regarding their MS:
FWIW I've been doing 2-6k /month at grocery stores on Flexperks for the last 8months without issue. But my card is ~5+ years old, CL is 22k (I've nevery even hit 33% of CL in a single month) and I typically use the card for a decent amount of organic spend in any month when I'm MSing.
- How old were the Flexperks CCs?
- What was your CL?
- How much MS/month and for how many months?
- How much organic spend?
FWIW I've been doing 2-6k /month at grocery stores on Flexperks for the last 8months without issue. But my card is ~5+ years old, CL is 22k (I've nevery even hit 33% of CL in a single month) and I typically use the card for a decent amount of organic spend in any month when I'm MSing.