Credit reporting or other personal consumer reports -- Incorrect information on your report -- Complaint #8267852
Complaint Overview
Complaint ID: 8267852
Company: U.S. Bancorp
Product: Credit reporting or other personal consumer reports
Sub-Product: Credit reporting
Issue: Incorrect information on your report
Sub-Issue: Public record information inaccurate
State: Missouri
ZIP Code: 631XX
Date Received: 2024-02-01T12:00:00-05:00
Date Sent to Company: 2024-02-01T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/XXXX, US Bank denied my business a line of credit, business credit card increase, and equipment loan. I called my local branch to see why I was denied. I spoke with XXXX XXXX, multiple times. She brought XXXX in on the conversation. I had a meeting with XXXX XXXX on Wednesday, XX/XX/XXXX at XXXX. She ran my credit on XX/XX/XXXX ( second time ). XXXX said the underwriter declined my request due to bankruptcy in XXXX. This is the second time, within XXXX months, I have been declined credit from US Bank. XX/XX/XXXX, I was denied a personal credit card. I came into the branch asking why because I know my score and credit history. The bank representative stated my score was above XXXX and my history was good and didn't understand why I was denied. She spoke with underwriters, and a few days later, I was approved for a personal credit card. Somehow, US Bank sent a Cash Flow Manager email with {$12000.00} XXXX Loan in my previous business name. I never applied for a XXXX Loan in XXXX. I spoke with US BANK XXXX Customer Service they said they could not see what happened and that I would need to go into the branch. I called again. I spoke with XXXX. I was on the phone with XXXX for XXXX minutes. XXXX also said he looked at my business account and did not understand why I was denied. I left my information and time for his manager to call me back, but he never called me. I spoke with XXXX. XXXX said US Bank has reported " Paid as agreed, '' not " Poor credit performance with U.S. Bank '' US Bank approved me for a Business Credit a couple of years ago, so how could a bankruptcy from XXXX hurt me?
Frequently Asked Questions
What is Complaint #8267852 about?
Complaint #8267852 was filed against U.S. Bancorp regarding Credit reporting or other personal consumer reports specifically about Incorrect information on your report. It was received by the CFPB on 2024-02-01T12:00:00-05:00.
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 reporting or other personal consumer reports) 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.