Review and analysis of over 51 complaints against U.S. Bancorp
U.S. Bancorp consumers have reported over 51 official complaints related to Credit determination. Out of the 51 consumer complaints against U.S. Bancorp, 29% were disputed by the consumer (i.e. the consumer was not happy with how U.S. Bancorp responded to their complaint) and 100% were processed in a timely manner. 2% of consumer complaints against U.S. Bancorp resulted in the consumer receiving monetary compensation (e.g. money, cash reimbursement, etc.) and 20% resulted in non-monetary compensation.
Submit a complaint with the Consumer Financial Protection Bureau today
File ComplaintStop harassing phone calls, know your rights and what you can do to stop them
Stop Calls
U.S. Bancorp Credit card credit determination March 10, 2017 - Creditor Elan Financial pulled - separate hard inquires on my credit account for the same application. I had requested a joint account with my spouse, which I understand would draw - hard credit pull on my account and - hard credit pull on my spouses account. There showing that they pulled an " individual '' and " joint '' request which I did NOT request. I requested a joint account ONLY. There should not be - hard credit pulls on my individual account.... |
U.S. Bancorp Credit card credit determination January 19, 2017 - I called my credit card company to add my husband on my - as an authorized user and not a co-owner. The credit card company refused because I would not give them his social security number. I offered any other find of proof and they still refused. I informed them that under The Fair Credit Reporting Act it was unlawful to deny my request. Their supervisor, - - - # - still refused. Can you help me?... |
U.S. Bancorp Credit card credit determination December 8, 2016 - - -, 2016 - ran my credit report without my knowledge. They never informed me they were running the report. They planned on raising my interest rate. - of the reasons they gave for the increase was too many inquiries on my credit report. Because they ran the report it lowered my credit score.... |
U.S. Bancorp Credit card credit determination October 27, 2016 - I used Elan Financial 's - - to inquire about a credit line increase. Their poorly laid out website was missing vital information to allow me to make an informed decision which resulted in an unauthorized hard credit inquiry. There was not adequate disclosure that a hard inquiry would occur if I used their website. I did not authorize a hard inquiry. The website was confusing and did not state ANY inquiry would be made. They made a decision ( which I 'm fine with - I take offense to the fact they did a hard inquiry without my permission. I would not have proceeded if I saw that a hard in... |
U.S. Bancorp Credit card credit determination August 17, 2016 - I have had an credit card account with US Bank for a few years. I wanted to add my husband to the account as an authorized user.We filled the paperwork out two times at the branch. On or around - -, 2016 a representative from US Bank called to explain that we would have to reapply for a credit card with a joint account. I asked if it would hit my credit and said yes. I told them absolutely not and withdraw the application. Both my husband and I have fraud alerts on our credit files. Even though I told US Bank no, they ran both of our credit on - - 2016 through -. I have called ... |
U.S. Bancorp Credit card credit determination May 11, 2016 - US Bank sent me the attached letter advising me that " my '' request for a credit line increase could not be approved - but I never applied for a credit line increase. To the contrary, in an - - 2016 letter from me to the bank ( which was received by the bank on -/-/16 certified mail ) I specifically stated that I was NOT applying for a credit line increase and that I DID NOT want my credit pulled ( because it hurts my score ). US Bank 's attached reply indicates that the bank improperly performed a credit review against my wishes and ignored the substance of my - - letter en... |
U.S. Bancorp Credit card credit determination March 21, 2016 - Applied for a US Bank Credit Card and declined despite me having a FICO SCORE - ... |
U.S. Bancorp Credit card credit determination December 1, 2015 - I had a US Bank Credit card for years, It had a limit of - and I used it for my business. I sold my business in - of this year and the company paid the credit card off. I then got a bill and I assumed it was some balance that didnt get in the original payoff so I sent it to the new owner and did n't hear anything. I got a bill the next month and called US bank and found out it was a renewal fee for the year. i told them I did n't want it anymore and they wrote it off and shut the account down. I then got my quarterly update from - - whom I have checking my credit and found US Bank ... |
U.S. Bancorp Credit card credit determination November 2, 2015 - I applied for a secured credit card in - of last year. I paid - to get it. They declined the credit card based on a bankruptcy over a year old and on debts due to child support. I have outstanding debts for child support due to the fact that I was pregnant and could not find a job and - county expected me to pay. I am going back to court on it and I have faithfully paid the child support even though I did not see my children for a year. The debt was being paid and the bankruptcy was a year old. They should not have denied me credit when it was a secured card. The only reason for the b... |
U.S. Bancorp Credit card credit determination October 29, 2015 - Prior to - -, 2015 US Bancorp placed an inquiry on my credit report without my permission and with no apparent permissibly purpose. As a result of this inquiry, US Bank mailed me a pre-approved firm offer of credit. I accepted the US Bank offer on - - and on that date US Bank placed further inquiries on the same credit report used to solicit me with their credit offer. Shortly after - - US Bank verbally informed me they declined my application and refused to state why. They have to this date never followed up with any written reason why they refuse to honor the firm offer of ... |
U.S. Bancorp Credit card credit determination July 1, 2015 - For more than 5 years I carried a balance in excess of $5000.00 with U.S. Bank on a credit card with a high interest rate. Each month payments were made automatically from my bank account to U.S. Bank. In - 2014, I paid the account in full and discontinued the automatic payments. Months later I received a call from U.S. Bank stating that I was delinquent on my account. Apparently interest had accrued on the account, even though the balance had been satisfied. The customer service person apologized for the error and agreed to have the balance waived. Roughly 30 days later, I received anoth... |
U.S. Bancorp Credit card credit determination May 1, 2015 - I received an invitation to apply with a code to enter from -. This is a progressive and socially responsible company and, in addition to the credit card, it has a cell phone company ; I was a cell phone customer for several years. So when I applied, I fully expected to be immediately approved. In addition to being a former customer, I have a pretty good credit score, have not had a late payment in - or more years. Also, I currently have several cards issued by their bank, -. When I was not only not immediately approved but got the we 'll let you know in 7-10 days '', I was kind of u... |
U.S. Bancorp Credit card credit determination April 24, 2015 - I applied for a - Credit Card with US Bank with a FICO score of - and wasrejected and I have been treated very unfairly by the bank.. ... |
U.S. Bancorp Credit card credit determination April 2, 2015 - Hello Dear CFPB I want to share my experience and complaint regarding very unfair and bias way i was treated by US BANK and there employees a specially - - in Fraud Department. On - - -/-/2015 I received offer from US bank to apply Cash plus Visa Signature card. After a lit bit thoughts i decided to apply as i did not have any relationship with US BANK and wanted to start because the card had a lot of reward and other perks. After applying my application went directly to FRAUD department which was really very weird and i surprised for me. making long story short i contacted Us ba... |