Consumer complaint received 2019-12-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Dear Bureau of Consumer Financial Protection Representative : This is a formal complaint against US Bank. 
With confidence and based on facts, I hereby state that US Bank is willfully engaged in discrimination and bias against me. I believe it to be based on National Origin, Color, Age and/or misinformation contained within their files. 

Case and point : XX/XX/XXXX - In person at US Bank branch located XXXX XXXX XXXX XXXX XXXX XXXX, CA, submitted a personal loan request in the amount of {$5000.00} at a fixed 48 month term. 
The US Bank representative entered my information, and in just under 20 seconds advised me of a negative decision. This can only be explained by upfront disparaging information visible only to the bank associate. A loan application even with todays technology can not be processed at that speed without proper consideration & underwriters credit decision. 
On a later date, XX/XX/XXXX my loan request was professionally and positively processed by XXXX XXXX XXXX. This entity did everything by the book, taking its time to process. 

XXXX  XXXX - During a vehicle purchase at XXXX XXXX dealership within the county of XXXX XXXX, a request was sent out to multiple financial institutions for credit. Out of many responses, US Bank was the only one,  who not only declined, but came back with negative feedback ; our sales person specifically mentioned the unusual and unnecessary comment by the US Bank. This is the bank that has our entire familys financial history. The financing was picked up by XXXX XXXX XXXX  at a very attractive rate. 

XX/XX/XXXX - During an online session at US Bank web site, while looking at my profile, I discovered it stated citizenship of XXXX ; it should have been United States. 

XX/XX/XXXX. Request for a Line of Credit in the amount of {$1500.00} was left answered for over three days. Had to make numerous calls just to find out the decision The answer was a foregone conclusion Declined. 

My family members and myself have been with US bank for nearly a decade, thousands of dollars have passed through our accounts and currently in saving accounts, and yet I am singled out each and every time. This is either with negative information entered by an employee or the bank itself acting on such information from another source. 

My credit is not perfect, XXXX recession and loss of income brought hardship and difficult times on my family. Now a decade has gone by, yet this bank brings up any and all negative information to any potential lender. I simply dont understand the reasoning behind this personal vendetta and blacklisting. 

Its my sincere hope that Bureau of Consumer Financial Protection will look into this matter and come to a fair conclusion. 

Please feel free to contact me for any additional supporting documents needed to verify my complaint. Looking forward to your findings. 

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 explanation