Consumer complaint received 2026-07-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: U.S. BANCORP
State: CA

Complaint narrative:
RE : Demand for Permanent Suppression of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX from All U.S. Bank Marketing and Prescreened Offer Databases I am the owner of the residential property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX, which I purchased approximately five years ago ( XXXX ). Since acquiring the property, U.S. Bank has continuously mailed credit solicitations to former occupants who have not resided at this address for over five years. The volume has escalated to approximately two solicitation letters per week, addressed to : XXXX. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX ( mail piece reference : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX ( mail piece reference : XXXX ; envelope marked " A Low XXXX XXXX XXXX XXXX XXXX XXXX  ) Neither individual resides at this property. Neither has resided here at any time during my five years of ownership. 

Efforts to resolve directly, all unsuccessful : I have returned these mailings marked " Return to Sender / Not at This Address '' on more than ten ( 10 ) occasions. I have telephoned U.S. Bank customer service numerous times over an extended period, specifically requesting that U.S. Bank cease mailing solicitations to former occupants at my address. On every call, representatives have stated that " nothing can be done '' and that my only recourse is to return the mail a remedy U.S. Bank knows or should know is futile, because these solicitations are sent via presorted Marketing Mail, which USPS does not return or process for address correction. U.S. Bank has therefore been on repeated actual notice that its mailing data for this address is inaccurate, and has refused to take any corrective action. 

Basis for this demand : First, to the extent these mailings are prescreened offers of credit under the Fair Credit Reporting Act, 15 U.S.C. 1681b ( c ), U.S. Bank is obtaining and using consumer report information tied to an address it has been told repeatedly is stale. Continuing to procure and use such data after years of actual notice of its inaccuracy is inconsistent with responsible use of prescreening and with the data hygiene expected of a national bank. 

Second, U.S. Bank 's refusal to provide any mechanism whatsoever to suppress a verified-inaccurate address after more than ten written returns and numerous phone requests constitutes an unfair practice within the meaning of the Consumer Financial Protection Act 's UDAAP standards, 12 U.S.C. 5531. The injury ( years of unwanted mailings, burden on a non-customer, and the mailing of credit offers bearing former occupants ' names and coded identifiers to strangers ) is not reasonably avoidable by me, as U.S. Bank itself has told me no avoidance mechanism exists. 

Third, mailing credit solicitations bearing individuals ' names and internal tracking identifiers to an address where they are known not to reside creates unnecessary risk of identity theft and mail-based credit fraud against U.S. Bank 's own prospective customers a risk U.S. Bank could eliminate with a simple suppression entry. 
Relief demanded : ( 1 ) Permanent suppression of XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX, CA XXXX and any variant formatting of this address from all U.S. Bank marketing , solicitation, prescreening, and direct-mail databases, including lists procured from consumer reporting agencies, list brokers, and third-party marketing vendors ; ( 2 ) written confirmation to me that suppression has been completed ; and ( 3 ) identification of the department and contact responsible for maintaining the suppression should mailings resume.

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 non-monetary relief