Closing your account: Credit card

I am writing to file a formal complaint regarding the decision to close my U.S. Bank credit card account ( s ) after being classified as high risk. I was surprised and disappointed by this decision. Although I have been carrying a balance, I have consistently been making payments toward my account and have been working diligently to pay off my debt in a responsible manner. At no point have I intended to avoid my financial obligations. Closing my credit card account while I am actively repaying my balance creates unnecessary financial hardship. It negatively impacts my credit profile by reducing my available credit and increasing my credit utilization, making it more difficult for me to improve my financial situation. In addition, I am concerned about how my request for a second review was handled. During my conversation with your representative, I requested that a supervisor review the decision. Instead of transferring me to a supervisor as I requested, the representative stated that she would conduct the second review herself. I was not given the opportunity to speak with a supervisor despite my request. This interaction left me feeling that my concerns were not taken seriously and that I was not treated fairly. Based on the way my request was handled, I felt discriminated against and denied a meaningful opportunity to have my case independently reviewed. I ask that you investigate this interaction, including reviewing the call recording, to determine whether your policies and customer service standards were properly followed. I respectfully request that U.S. Bank reconsider the decision to close my account ( s ). If there were specific concerns that led to this determination, I would appreciate a clear explanation and the opportunity to address those concerns. I have made every effort to fulfill my financial obligations, and I believe my commitment to repaying my debt should be taken into consideration. I also request a written explanation of the reasons my accounts were classified as high risk, a review of the representatives handling of my request to speak with a supervisor, and a written response to this complaint. I have valued my relationship with U.S. Bank, and I hope this matter can be resolved fairly and professionally. Thank you for your time and attention. I look forward to your prompt response.