Consumer complaint received 2025-04-03 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:
In XXXX I applied for a credit card gave them a {$300.00} deposit, my bank showed the funds were taken out then I got an email a day or two later saying application was approved with a credit limit of {$300.00} and then a day later an email saying my card is ordered, ans four days later my card was shipped, then I called to check the status and they put my account on hold saying that I had to go verify myself at the bank. I went to verify myself and they couldn't find my application and I came back the next day and gave them my application number and they Closed my account. The credit card services put my account on hold when they asked me to identify myself at a branch. Then they banker called the credit card department and they ended up closing my account without any valid reason. Then I called and they said that the reason was I didn't have any funds in the account but that was a lie. Then on XX/XX/XXXX XXXX open another credit card application and go through the same process but I applied for a {$500.00} limit with a {$500.00} deposit and go through the same issue again I get the emails with approvals and status, the banker tries to help me login my mobile credit banking app and I can't login and then I call to ask what's going on after 4 days and the credit card verification department puts my card on hold again and then I go to the bank to verify myself and they close my account and then I call reconsideration on XX/XX/XXXX and they reopen my credit account or reconsider it and then they Pull out {$300.00} from my account Instead of {$500.00} because what they did was open the application I applied for in XXXX instead of the new application so I call them to correct the mistake and they won't even be honest about the mistake and I call the supervisor after trying to come to a solution with verification department and escalation department and they closed the {$300.00} account and opened my new account with {$500.00}, then I went through the whole thing again and I missed work, I have been stressing out and missing lunch all these days and sleeping late and then I go to the bank to see what's going on and they had to call the credit card department to push my application through and I got approved, I call to check status of my application, they put a hold on my account, then they closw my account and can't even refund my money back to the account i used to fund my credit card account. I have not been able to pay my bills as they have had about {$800.00} of my money at a time and take a long time to refund it. Please help me to either get this done or reprimand them because they are not being honest. I would upload documents but it has my personal info on it. They are liars and are not transparent. I still don't know why they haven't been able to get my problem solved as I still want my card I been chasing the cars for two months. Do not apply with them! I did everything they asked

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