Credit card or prepaid card -- Getting a credit card -- Complaint #5335377
Complaint Overview
Complaint ID: 5335377
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Application denied
State: California
ZIP Code: XXXXX
Date Received: 2022-03-17T12:00:00-05:00
Date Sent to Company: 2022-03-17T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I opened a secure credit card {$2000.00} 4 years ago with US Bank When I filed for bankruptcy to build my credit I was told my account would be reviewed after12 months to get an u secure card or upgrade my current account to unsecured account. Its been 48 months I have never heard anything from US bank about upgrading my account so I requested a review of my account I have never been late nor exceeded my credit limit in the past four years I have obtained XXXX creditors all in excellent standing never late and all paid in full with no balances zero debt obligations! My income to debt ratio is less 10 % I have a car loan in excellent standing! Yet I was denied stating I have delinquent accounts? I have zero delinquencies I only have my bankruptcy which was closed in XX/XX/2018 this was the reason for opening this account to improve my credit. My credit score thru US bank system reads XXXX on my reports Im at XXXX. The letter I received from US BANK makes no sense.
Frequently Asked Questions
What is Complaint #5335377 about?
Complaint #5335377 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-03-17T12:00:00-05:00.
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 (Credit card or prepaid card) 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.