Consumer complaint received 2021-10-05
Company: U.S. BANCORP
State: MN
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I started an online loan and ran into a error saying see a banker. I made an appointment for XX/XX/XXXX, at XXXX at the XXXX XXXX XXXX located at XXXX XXXX XXXX XXXX in Minnesota . I Seen a branch manager by the name of XXXX XXXX. I told XXXX I was applying for a personal loan to pay off some medical bills and that I got the error message. I didnt want to cause the system to hit my credit report twice, so I came in to complete the application. She took my ID and put things into the computer, I brought my W2, tax papers and check stubs but she never asked for them. She told me she would call me Monday either way. 
I leave and go home, I called the bank and asked for XXXX to call me back on Tuesday. No word from US Bank by XXXX. So, I went online and scheduled an appointment for a phone call at XXXX on Wednesday XX/XX/XXXX. I never received a call. On Monday XX/XX/XXXX I made an online appointment to go into the bank on Friday. She told me I was turned down because I had a charge off in XXXX or XXXX for XXXX. I asked for papers stating this charge off and her response to that was that they can see it but they can not print it off. I told her I didnt know of anything, and it is strange that they denied me when I applied for a house loan this charge off never came up and that they need to give me information on this. My credit is good my and so is my job and credit history, why would they deny something 18 years old. She told me she will resend my application and I told her I feel really discriminated against and I believe the statues of my limitation is a law for charge off and that I will go to the top because there is no way they should turn me down. XXXX said it is XXXX, so I asked where iI can I pay it off then she called someone, and they said that I couldnt pay the bank and that I had to call the retailer to find out how to go about paying the XXXX. 
Went to US Bank at XXXX XXXX  for an appointment with the Branch Manager XXXX XXXX. I asked her why she didnt call me back or return any of my phone calls and she said didnt you get the letter? They denied you. I said did they find the charge off account. I need papers saying I owe this debt when I when it originated, what bank and year. I said if you see it can you just print it, she said no. I asked her is there someone I can talk to in the district office she said no. I told her I needed the denial letter she kindly called someone and gave them a number and printed the denial letter and handed it to me. I told her I want the collection letter paperwork pertaining to this because I am feeling really discriminated against. My credit is good the bank has my house loan and I have a platinum credit card. I told XXXX I dont understand, and I will sit here until I get this information of the debt, I owe to US Bank from XXXX or XXXX is all she could tell me and that it was for XXXX. So, you see it but cant print it or mail it to me. XXXX XXXX started calling everywhere she stated she didnt know what kind of account it is, she called numbers to who I dont know but she talked to maybe 7 or 8 people and gave them all my social security number and other information. I just sat there seeing her frustrated, grabbing her head, no eye contact and typing frantically. Finally, at XXXX she said Well its not a loan its not a checking account so it must be a credit card. She called collection she said they gave her account number XXXX and said she didnt know what kind of account I owe. I told her I got a home mortgage XX/XX/XXXX wouldnt this come up? I had no problem getting a loan at this other US Bank branch. But twice I have been discriminated by US Bank and that I am going to fight back about this oh I am on your side XXXX XXXX Said. The last call she made the card services representative told her to put me on the phone. The person on the phone asked me questions, she said I dont see any delinquent accounts under your social security number. She said my account is active and in good standings. I told her what the person said and handed her the phone back. She said apparently, they cant find it. I said it was in XXXX or XXXX. I told her it doesnt because I dont owe US Bank XXXX so this is why me loan is being denied? You have my house, my checking account, my business account. I told them my credit score is XXXX. She told me Well go to annual credit and pull your credit report from XXXX and see if you can find it there. I said are you serious I must go search for it. 
I am questioning if she put it in the 2nd application or not. I feel discriminated against by the XXXX XXXX Branch. She never returned my calls or called as promised. She never asked for tax returns, check stubs or W2. I feel like she made her mind up when she very first met with me. I feel discriminated against she never offered me contacts who I can call or contact who is over her. When I asked, she said no one was over her? I feel like she was trying to find anything to deny my application.

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