Checking or savings account -- Opening an account -- Complaint #11772239
Complaint Overview
Complaint ID: 11772239
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Savings account
Issue: Opening an account
Sub-Issue: Unable to open an account
State: California
ZIP Code: 934XX
Date Received: 2025-01-24T12:00:00-05:00
Date Sent to Company: 2025-01-24T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Subject : Complaint Against XXXX and U.S. Bank Account Opening Declined Due to XXXX Validation Issue Dear Consumer Financial Protection Bureau, I am experiencing an ongoing issue with opening a savings account at U.S. Bank. Despite having an excellent credit score and strong consumer behavior, I have repeatedly been declined from opening an account and applying for credit. The reason cited for these denials is that XXXX can not validate my credit file, which prevents U.S. Bank from proceeding with my account opening. I have previously contacted XXXX to resolve this issue, and they assured me that it was resolved within seven days. However, upon reapplying, I was met with the same denial for the same reason. I am submitting evidence of both instances where I attempted to open an account and was declined. This ongoing issue is causing significant harm to me as a consumer, as I am unable to access the credit I need for both personal and business endeavors. I kindly request that the CFPB hold XXXX and U.S. Bank accountable for this matter and assist in resolving it promptly. The inability to open a savings account and apply for credit due to Experians failure to validate my file constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ) and the Equal Credit Opportunity Act ( ECOA ), as it unjustly hinders my access to financial services with a public institution. Thank you for your attention and assistance. Best regards, XXXX XXXX XXXX XXXX - XXXX - XXXX
Frequently Asked Questions
What is Complaint #11772239 about?
Complaint #11772239 was filed against U.S. Bancorp regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2025-01-24T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.