Consumer complaint received 2022-11-15
Company: U.S. BANCORP
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XX/XX/XXXX, XXXX I went to the US Bank location in XXXX XXXX XXXX to open a joint account with my mom. I had recently sold a car and had a check from my car company and needed a physical branch bank to deposit my check. I worked with a teller XXXX XXXX and I had told her specifically to open a joint account. The check was under my name and my mom 's. She asked for my information such as my employment, DOB, SSN, all sensitive information. During the whole transaction, she had me doing multiple things ( setting up my online bank and app, etc ). I was irritated because she was very forceful even after I voiced my opinion that I can set up the online banking from home. 

At one point she had told me that I was pre-approve for a credit card with US Bank. I specifically told her No, I have too many credit cards. My sister who also happens to be there and I were talking to each other about not opening another line of credit because I plan to purchase a home and wanted my credit to be in the best shape possible. 

After a couple of multi-tasking per XXXX  request to set up my account, she had asked me to sign on their e-signature pad. Being so overly distracted by the unnecessary multi-tasking and crisscrossing of communication between the app on my phone and communicating with XXXX to 'make sure my account was running ', I signed for the e-signature pad when asked because I thought this was for joint account, as I HAD ASKED FOR. AT NO GIVEN TIME DID SHE TELL ME THAT I WAS SIGNING FOR A CREDIT CARD. I WAS UNAWARE. I HAD GOOD FAITH THAT THE INFORMATION I GAVE AND SIGNATURE I GAVE WAS FOR THE JOINT ACCOUNT, not used for any other services. 

After all the set-up, she turned to me and told me about their monthly maintenance fee but had great news for me. The great new was I was approved for a credit card and that my monthly fee is waived because of that. 

I asked her when I signed up for it because I did not sign up for it, and did not give her permission. She kept pushing the paperwork to me and onward saying she had told me. I realized that while I was busy trying to set up what XXXX wanted, she took this as an advantage of taking my personal information and signing me up for a credit card that SHE WANTED, and asked me to sign for it. I am unsure if she signed up my mother for a credit card as well but will be checking on her credit report as well. 

When I told her to fix it, she pushed the paperwork into me and told me that I can cancel the card next month since I dont want it. I was furious and asked for the manager. She explained that she and I miscommunicated. I don't understand how me declining the offer is a form of miscommunication, and why XXXX pursued the application. The manager was unprofessional and tried to deescalate, but I told him that at this point my credit has been hit hard, and that in my opinion, my information was stolen and fraudulently used without my consent. Yes, I consented to opening a joint account, but I did not consent my information to be used for other services. The manager initially offered me to cancel it on my own but had I not been educate on how credit reporting works, he would have also taken advantage of the situation. He gave me a second option to help me report it. He eventually filed for a credit report revert through US BANK and the letter I got back was that my report was not a soft inquiry instead of a hard inquiry. 

This should not even be an inquiry at all. At no point was this my FAULT and my information being exploited for their business gain is UNETHICAL.

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