Consumer complaint received 2025-07-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: U.S. BANCORP
State: MA

Complaint narrative:
My fiance with a XXXX XXXX XXXX and XXXX salary applied for the XXXX XXXX XXXX card and got a {$6500.00} credit limit. I applied a month later on XX/XX/XXXX for the exact same card hoping to get a {$5000.00} credit limit with a XXXX XXXXXXXX salary and a XXXX XXXX XXXX in all XXXX bureaus at the time. They denied me at XXXX, but when I called, they said there was a problem with the system and were able to approve me for {$5000.00}. When I got the card in the mail, the credit limit was {$500.00}. I immediately called to find out what happened and the underwriting team insisted that their hands were tied because the automated system made the decision and it can't be reversed. So I gave up and waited XXXX  months to apply for a credit limit increase. On XX/XX/XXXX I applied for this increase and got an automatic instant denial from the automated system. I immediately called to find out how this was possible with my XXXX XXXX XXXX in XXXX  and XXXX score in XXXX. They said that they weren't able to provide any information about my denial until I received a letter in the mail and even if I had the letter already, the automated system 's decisions can not be reversed by a human. Once the automated system makes a decision, it's ironclad. I decided to not press the issue until I received the letter. I get a call on XX/XX/XXXX from someone from the underwriting team wanting to resolve the issue I called about on XX/XX/XXXX. I repeated my story and asked for the decision to be appealed, he repeated the same thing everyone else said and went on to say that if I saw the credit score XXXX  provided, I would understand why I was denied. Knowing that at the time I had a XXXX, I had no idea what he was talking about. I asked him if the score was below XXXX and he said yes. At this point I knew something was seriously wrong with their system and immediately called Transunion to see if they knew anything. They claimed that they never sent any reports to XXXX XXXX in the past XXXX  months despite the denial letter saying that they got this incorrect Transunion report supposedly on XX/XX/XXXX. The following events all happened on XX/XX/XXXX and XX/XX/XXXX. At the time I applied for the increase, I had a XXXX XXXX XXXX with XXXX  but they claimed in their denial letter that XXXX  said I had a XXXX XXXX XXXX and insisted I take it up with the credit bureaus. I called XXXX  and they insisted that XXXX XXXX never did any soft or hard inquiry in the last XXXX  years and I have never had a XXXX credit score in my entire credit history. ( I.E. this score is fake. ) XXXX  said it's possible XXXX XXXX wrote the wrong credit bureau on the letter and that I should call XXXX  and XXXX. So I did that and they said roughly the same thing, specifically that this XXXX score never existed in my entire credit history since XXXX. So I called XXXX XXXX again and spent XXXX on the phone with a supervisor at XXXX  XXXX who kept repeating the same script " We do not create your credit score and you need to talk to the credit bureaus '' despite the fact that I repeatedly said this score doesn't exist confirmed by all XXXX credit bureaus. I insisted that an IT ticket needs to be put in to have my account technically fixed or I will be closing my account. They made no effort to fix the issue.

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