Consumer complaint received 2021-10-12
Company: U.S. BANCORP
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
credit discrimination. submitted secured credit application to initiate a consumer credit transaction on XX/XX/XXXX as natural person applicant, 5 USC 551 ( 11 ) Social Security Administration cardholder, beneficiary, 15 USC 1692a ( 3 ) ( 4 ) consumer and creditor. US Bank discriminated my right to extend credit creating a debt, to incur debt and defer payment per 12 CFR 226.2 ( 12 ) ( 14 ) in violation of prohibited basis good faith reliance of Truth in Lending secured right despite request for reconsideration of my unrestricted right of incur debt. US Bank alleges that reason for denial is due to unverified ( unsworn ) claim of serious delinquency too few accounts currently paid as agreed. This is deceptive and unfair practice to discriminate inherent secured right of credit on unverifiable hearsay information. US Bank has used communication means the conveying of information regarding a debt ... indirectly to any person through any medium to state that such consumer owes any debt in violation of FDCPA 15 USC 1692a2 and 15 USC 1692b2. 15 USC 1681a ( e ) The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is " obtained '' through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific " factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency '' when such information was obtained directly from a creditor of the consumer or from the consumer. XXXX is not neighbors, friends, or associates of the consumer. US Bank discriminated my right to a consumer credit account illegally per 15 USC 1 for 15 USC 1692a3 alleged ( unverified/unsworn ) obligations. US Bank has induced a disability in depriving right to credit despite collateral secured credit application obtained from consumer. see exhibits and bill of particulars for violations of US Bank to assume the role of debt collector. 15 USC 1681 ( 3 ) Consumer reporting agencies have " assumed '' a vital role in assembling and evaluating consumer credit and other information on consumers.15 U.S. Code 1692g ( c ) Admission of liability The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. I have a right to credit per 15 USC 1602 open end credit plan. US Bank has unlawfully converted this right to credit under color of custom 42 USC 1983 into a privilege subject to a 3rd parties unverified information and credit score.

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