Consumer complaint received 2019-07-02
Company: U.S. BANCORP
State: GA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I have been given false facts by the US Bank National Association. I received a response letter from this bank, by mail, on XX/XX/XXXX, in regards to their reasoning why I was issued a US Bank Visa Signature Credit Card ( the card I did not initially apply for, with a credit limit of XXXX dollars, which card number ends in XXXX ), as a replacement card to the initial XXXX Visa Signature Credit Card ending in XXXX. I came across this article on the internet, while performing research on methods of obtaining an XXXX Visa Signature Credit Card. Your bank added on the XXXX dollar credit limit, in the explanation letter, to make it look as if the US Bank Visa Credit Card is the same card replacing my XXXX Visa Signature Credit Card ( the credit card that was in my possession at that that time, account number ending in XXXX ). What is the Minimum Credit Score Needed for an XXXX Credit Card? 
XX/XX/XXXX | Author : XXXX XXXX [ O ] XXXX is a well-known store for purchasing office and home office supplies. The company also issues an XXXX credit card called the XXXX Visa Signature  Card to pay for those purchases and earn rewards. It is a card designed for people who buy office products on a regular basis and want to enjoy special benefits. 
The XXXX credit card gives you extended financing offers where you are not charged the regular APR until the introductory APR rate expires. You also get 3 points per {$1.00} that you spend at XXXX and one point for other purchases. You are given XXXX bonus points after you use your XXXX credit card for your first purchase. The card is issued by U.S. Bank National Association. The introductory APR is 0 % for the first year. It then reverts to the regular APR, which is between 9.99 % and 23.99 % based on your credit history. A higher interest rate is used for cash advances than for purchases. 
This XXXX Visa Signature credit card has no annual fee. If you are approved, you are automatically considered for the XXXX rewards program where you can receive an additional five points for each {$5.00} spent on purchases from XXXX. To be approved for this card requires a good credit score, which is generally around 680 or higher. However, the issuer takes into account several factors, including your employment and income as well as your history of making payments on time. This is a good credit card for users who purchase a lot of office supplies and want to earn rewards. It is also a great option if you already have good credit and want to add a second credit card or to continue building on your credit history. 
To get the most benefit out of a rewards card, you want to pay off your balance before the end of the introductory APR period. This prevents you from paying extra on interest so that you can enjoy the full benefits of the rewards you earn. It also helps improve your credit score because you prove that you can pay off what you owe rather than carrying a balance or maxing out your card. 


US Bank National Association, is again using add-ons to information, in order to mislead the consumer into thinking that the replacement card offered is the same card with the same benefits. I owned the XXXX Visa Signature Credit Card ending in XXXX ( the credit card that could only be used in the XXXX Store ). I was given the US Bank Visa Signature Credit Card ( the credit card ending in XXXX, with a XXXX dollar credit limit ), to replace the XXXX Visa Signature card ending in XXXX. This tactic is being used to again pull hard earned monies out of my pocket and keep me in financial debt with their company. My accounts have been placed in XXXX XXXX XXXX, XXXX. hands to continue their mission in ruining my credit rating, by taking me to court and not trying to meet me halfway with a reasonable and reachable settlement offer. I was knee deep in credit card debt that time and there was no way I could have met the criteria needed to obtain the US Bank Signature Credit  Card ending in XXXX. 

Please look into this matter, Thanks, XXXX XXXX ( Formerly, XXXX XXXX )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation