Consumer complaint received 2023-11-22
Company: U.S. BANCORP
State: OH
Product: Payday loan, title loan, personal loan, or advance loan
Sub-product: Installment loan
Issue: Getting the loan

Complaint:
I am a US Bank customer I was applying for a personal loan, personal line of credit, and for some reason I keep getting denied for the pre-screening process after the pre-screening process the next step is to do a credit check, which involves hard inquiry and I have not been through that yet because the pre-screening wont allow me to pass giving me a denial letter that says insufficient funds or overdraft on the account, I spoke with loan consultants XXXX XXXX customer relations and bankers of all management levels and no one can help me. No one has no resolution or even heard of the situation that Im trying to explain that I am showing that US bank system is being misled by information that is false which would be considered an error. I wonder how many people this has happened to trying to get a loan I know I meet the loan requirements after pre-screening as far as income, credit, history and all that etc. Ive spoken with XXXX people within a day and a half with a total of XXXX minute phone call for the first day which was XXXX people and then I spoke with XXXX people the next day with the same concerns and it just goes in circles, I understand if my credit was being checked and was being considered for funding but I cant make it past pre-screening. I need to speak with a US Bank official that has authorization to look into accounts and speak to me about these concerns that I have because no one else in any department that US Bank offers has that ability or even knowledge to what Im trying to tell them they wasnt even familiar with the bank state code for Ohio 1611 and I was trying to explain that as well instead I get hung up on phone and tossed around to different people that dont understand why Im calling and where was I transferred from no communication at all very unprofessional Im not understanding how these people get paid so much money to look over citizens accounts and they have no care in their job or knowledge to help them make their job easier its just unprofessional and makes no sense. I just have a little concerned that I want looked at because I feel like its a small error thats happening from the system. It would be nice to speak with someone from corporate or human resources, or some type of corporate department in person to either explain, or go through what Im going through with me. Ive had a banker and a manager hang up on me at a XXXX center location which is inside the XXXX grocery store off of XXXX and the managers name is XXXX and the other guys name was XXXX both as unprofessional they both hung up on me twice disconnected the phone call which let me to call back and try to resolve the situation and it did not work. They were still frustrated and took their personal emotions out on me while they are working and Ive never met these people or seen them in person and this is how they treat people who call in about their own bank I cant keep doing this I need help please Im just trying to use a Service that my bank offered.

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