U.S. Bancorp Consumer Loan Complaint

U.S. Bancorp Consumer Loan department,

Vehicle loan Taking out the loan or lease Missouri

My credit score according to -, is -. I applied for a pre-approval to US Bank on -/-/-. They obtained my credit report on -/-/-. On -/-/-, I contacted them to inquire as to the status. They requested to contact the dealer and ID the car, both of which I happily orchestrated. I told them I need an answer, as they advertise " approval in minutes '' and I am losing the option to buy this particular auto. After requesting further documentation, I angrily told them in no uncertain terms I would NOT do business with them. They were aware of the - value of the auto I was purchasing, the - I was putting down on the purchase, and aware of my credit score. According to the subsequent institution I obtained the loan with, they confirmed that it was " highly unnecessary '' to request or


My complaint however, is not about discrimination, although I am absolutely sure this was a personal discriminatory decision from a representative of UBank. My complaint is that this institution, or someone within it, deliberately, with malice and obtained a second credit report on -/-/-, 3 to 4 days AFTER I told them to cancel the application, and that I had " no intention '' of ever doing business with USBank, and that I was in fact going to close my account which is held by them. I have proof of this VIA my - Credit account, which alerts me to all activity concerning my credit, including any request to obtain said report. I have uploaded a screen shot of the proof of obtainment from USbank on -/-/- ( valid ) and -/-/- ( Malicious and illegal ). Access to the actual account where this proof resides may be obtained from me, to verify and validate the screen shot I have attached. I find it revolting that a personal grudge largely stemming from the unethical, capricious and arbitrary actions of those involved, later utilize their position to illegally and without due cause or authority, to take personal action in hopes of one can only deduce, to create a deleterious outcome for me, the consumer.