Consumer complaint received 2022-09-16
Company: U.S. BANCORP
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I was very confident about opening my new US Bank account on XX/XX/2022. I have been gradually transferring my retirement and 401K funds from my XXXX Account into this new account over the last few weeks and have much more to complete. 

Unfortunately, the teller that opened my checking and savings account illegally accessed my consumer credit report and attempted to open a credit card without my permission. 

We sat together at the desk and discussed the offer to open such an account which I verbally declined. He told me that I needed to open a credit card account to avoid fees. I explained to him that since I am over XXXX that US Bank will not charge me monthly fees, which he was not aware of. I also explained that my credit score was only XXXX that week due to an emergency the previous month when i had to quickly max out my current XXXX credit cards. I knew I would be declined and dont need an additional card at this time. I said that in the future I would apply for the US Bank card. I am VERY well-informed about repairing my credit score so that I can refinance my current car loan soon and possibly buy a home in the future. I am more cognizant of the credit game than your average person. 

Additionally, the teller ordered preprinted checks for my account after I declined preprinted checks. I told him that I would purchase some online from another company and he provided me with some counter checks. Hilariously, the checks that he ordered are NOTHING that I would have ordered. They were of a political nature and my political views, although personal, have nothing to do with those checks. He read my WRONG. The bank manager refunded those checks and shredded them for me. 

It always seems to me that US Bank pressures its employees to meet sales goals as part of their job requirements, offering them incentives for selling bank products because I am literally asked every single time I walk up to a teller at the branch if I want a US Bank credit card. I have told all XXXX of them, repeatedly, no, that I needed to raise my credit score first. They could attest to that if asked. Also, why would I say yes to one person and not the others or tell them that I had already applied? The answer is because I had no knowledge that an application had been submitted. 

The bank employee illegally accessed my customer credit report and personal data to open an account without my permission. I am requesting that the inquiry for credit be rescinded as it was fraudulent. 

I was taken advantage of by misappropriation of my consumer data to create a fictitious account for which employees now receive incentives only for accounts where the customer uses the service. U.S. Banks conduct harmed my financial opportunities in the form of a potential unwanted account and a negative effect on my credit profile. 

the only measure that was taken by the bank manager was to ask me if I had read the 1/4 inch form that the teller handed me which she said had my signature approving the inquiry. When I signed the tiny screen approving my new checking and savings account, after declining the offer for a credit card, I never gave it another though. I trusted that the teller had abided by our discussion and my needs..

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