Consumer complaint received 2025-10-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: U.S. BANCORP
State: CA

Complaint narrative:
NEW Complaint Summary -- This is a new, separate complaint based on an arbitrary denial of credit -- PLEASE FORWARD IMMEDIATELY I am submitting this complaint against Elan XXXX XXXX for the arbitrary, unjust, and meritless denial of my credit account application despite having provided complete, legitimate, and verifiable identification and supporting documentation. 

I am a XXXX  XXXX XXXX who frequently relocates for XXXX XXXX across the country. As such, maintaining reliable and transparent access to financial services is essential to my livelihood. I recently applied for an Elan-issued credit card product through a partner bank and was denied without any valid explanation, even though my application information precisely matched my government-issued identification, Social Security record, and current credit profile. 

This is not an isolated issue. I have had multiple similar experiences with Elan where applications were abruptly declined under the pretext of unable to verify identity despite my data being fully verifiable through XXXX, XXXX, and all major credit bureaus. I have zero negative marks or discrepancies in any consumer reporting database, and my XXXX  scores are consistently in the XXXX range, demonstrating high creditworthiness and financial stability. 

Background and Actions Taken : I completed the application process using my valid, government-issued drivers license, Social Security number, and current California address XXXX all of which align with my consumer credit reports. 

Following the denial, I reached out to Elans customer service and partner bank representatives seeking clarification. I was told that my identity could not be verified but was given no specific reason or opportunity to correct any supposed issue. 

My credit and personal information have been verified numerous times by other federally regulated institutions without issue including XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX  further proving that the denial by Elan is not based on legitimate verification concerns. 

This pattern of arbitrary denials is inconsistent with accepted banking practices, raises serious concerns about the accuracy and fairness of Elans identity verification system, and causes substantial and unnecessary harm to consumers who provide valid documentation. 

Consumer Harm : This improper handling has caused tangible financial harm and frustration. As a XXXX  professional with a demanding and XXXX  career, my ability to access fair credit and maintain diversified financial relationships is essential. Elans refusal to process my legitimate application has : Prevented me from obtaining a credit product for which I am fully qualified.

Disrupted my financial planning and credit utilization strategy.

Damaged my confidence in Elans compliance and consumer-handling procedures. 
Required significant time and effort to correct what should be a straightforward verification process. 
These actions have had a chilling effect on my ability to engage with partner financial institutions affiliated with Elan, impacting not just this single application but future opportunities as well. 

Requested Resolution : I respectfully request that the Consumer Financial Protection Bureau investigate Elan XXXX XXXX application and identity verification procedures to ensure they are operating in a fair, lawful, and non-arbitrary manner. 

Specifically, I ask that the CFPB require Elan XXXX XXXX to : Immediately review and overturn the denial of my account application, confirming that my verified identity and credit profile meet all eligibility standards. 

Provide a complete, written explanation detailing the basis for the denial, including any consumer reporting or data sources relied upon. 

Correct any internal verification or reporting errors that may have led to the wrongful rejection. 

Ensure proper training and compliance measures to prevent similar unjust denials for other consumers in the future. 

Consumer Information : Name : XXXX XXXX XXXX XXXX M.

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