Consumer complaint received 2017-04-18
Company: U.S. BANCORP
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
I submitted a credit card application on  X/XX/2017    to US Bank because I received a pre-approved offer in the mail from the bank. After my credit card application has been processed, I was notified by e-mail that my credit card application has been denied on  X/XX/2017   . I was baffled by the bank 's decision as I have excellent credit history without any negative remarks. I never had any late payments, bankruptcies, delinquent accounts or adverse court judgements. I am also a law-abiding  XXXX  citizen without any criminal records. Therefore, I cal led US Bank 's Underwriting Departm ent at phone number  XXXX  to find out the reason for denial.   During the phone call, the first representative informed me that my application was being evaluated by another department, and I was subsequently transferred to a second representative named  XXXX . However,  XXXX  was not only unhelpful, but he was very aggressive in his tone when discussing about my application from the very beginning.  XXXX  said my application was denied due to  " Past Activity ' '. I asked  XXXX  what he meant by  " Past Activity '', as  I had never defaulted on any debt obligations with any creditors or banks. Instead of providing further useful explanations,  XXXX  immediately asked me in a humiliating fashion if I understood the meaning of the word " Past '', as though I am an uneducated person needing a lecture on English vocabulary. I politely told  XXXX  that he did not need to use such a negative attitude in our conversation, and I mentioned I would like to know the reason for the application denial. Then he proceeded saying that was all he could tell me in an arrogant tone and even said " Bye! ", trying to dismiss my question without addressing it at all. Based on my personal credit application experiences in the past with different creditors, all creditors were either able to approve my applications or provide me with legitimate/unambiguous reasons on why my applications were denied. I then asked  XXXX  which department he was associated with and tried to obtain his full name, but he refused to provide any answers to those questions. I Informed  XXX  that under the Equal Credit Opportunity Act, I have the right and duty to understand why my credit application was denied.  XXXX  then kept repeating " Have a good day '' for nearl y 30 times c onsecutively in a very hostile manner to try to disrupt me asking any further questions. Afterwards, he hung up the phone abruptly.   I was very polite to the representatives I spoke with on the phone when I tried to understand the reason for my credit denial. But the hostility I experienced during the conversation with  XXXX  was something I had never encountered before. The practice of refusing to provide a reasonable explanation on why my application was denied also raised the question on whether this application was evaluated in a fair and unbiased manner. I believe I was wrongfully treated and humiliated with discrimination. I currently have multiple active credit accounts with different major banks and creditors, and I never had any difficulties or mishaps with managing my debt obligations, as reflected by my long and stellar credit history. The most confusing part is that the application was initiated becau se US Bank  sent me an invitation to apply for their product. I would like to explore this denial further and understand whether this denial was compliant with applicable regulations. Evidence of the phone conversation could be provided upon requests. Y our Bureau 's assistan ce is deeply appreciated. Thank you.

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 non-monetary relief