Credit card or prepaid card -- Improper use of your report -- Complaint #6331247
Complaint Overview
Complaint ID: 6331247
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Improper use of your report
Sub-Issue: Credit inquiries on your report that you don't recognize
State: Utah
ZIP Code: 84070
Date Received: 2022-12-16T12:00:00-05:00
Date Sent to Company: 2022-12-16T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
After recently signing up for a credit monitoring service, I received notifications that a fraudster has aggressively attempted to open several new accounts in my name. I was emailed an alert advising me of a fraudulent application attempt at another bank. Upon researching further, I have found that several fraudulent credit card applications were previously submitted ; in including a fraudulent application to US Bank resulting in a fraudulent credit inquiry on my XXXX credit report from US Bank. I have received unsolicited communications from this bank/card issuer. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. I exhausted all reasonable attempts to contact both US Bank and XXXX to remove the fraudulent inquiry. Both companies have systems set up to create unnecessary obstacles to reaching a live person and have made the process to have the fraudulent inquiry removed impossible. US Banks phone system and representatives have done nothing to help, furthering my frustration as a victim of identity theft. I no choice but to submit a request to submit complaints to the CFPB, FTC, and Office of The State Attorney General to have the fraudulent US Bank inquiry removed from my XXXX credit report. The date of the fraudulent US Bank credit report inquiry is XX/XX/2022. If the inquiry is not removed, then my only other option will be to seek legal assistance for damages caused by US Banks refusal to resolve my issues as a victim of identity theft. This notice of complaint to be filed with the CFPB and FTC as well as the State Attorney Generals office serves as notice of my grievances with US Bank.
Frequently Asked Questions
What is Complaint #6331247 about?
Complaint #6331247 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Improper use of your report. It was received by the CFPB on 2022-12-16T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.