Consumer complaint received 2025-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: WA

Complaint narrative:
Company : U.S. Bank Date of occurrence : XX/XX/year> I am filing this complaint to report identity theft involving a fraudulent credit card application submitted in my name through U.S. Bank, as well as U.S. Banks negligent failure to properly respond, document, or resolve the fraud after notification. 
On XX/XX/year>, I became aware that an unknown individual fraudulently applied for a U.S. Bank credit card using my personal identifying information, without my authorization or consent. I do not have an account with U.S. Bank and have no customer relationship with the institution. 
Upon discovering the fraud, I contacted U.S. Bank immediately. I spent multiple hours attempting to resolve the issue and spoke with multiple representatives. Despite clearly stating that this was a case of identity theft, U.S. Bank failed to take appropriate action consistent with reasonable fraud-prevention and consumer-protection standards. 
Specifically, U.S. Bank : Failed to clearly confirm whether the fraudulent application was fully canceled Failed to provide written confirmation that no account was opened Failed to confirm whether any credit bureau reporting or inquiry occurred Failed to properly escalate the issue as identity theft, rather than routine customer service Failed to provide meaningful guidance or assurance to mitigate ongoing risk This lack of action constitutes negligent handling of an identity theft report, particularly given that U.S. Bank was promptly notified and had the opportunity to prevent further harm.

As a result of U.S. Banks failures, I have suffered and continue to face : Time loss and disruption due to hours spent attempting to resolve the issue Ongoing risk of credit damage, including potential unauthorized inquiries or accounts Emotional distress and XXXX  associated with unresolved identity theft The need to pursue external remedies, including regulatory complaints, to obtain basic confirmation and protection U.S. Banks actions or lack thereof fall below reasonable standards for safeguarding consumer information and responding appropriately to known fraud, particularly involving a non-customer victim of identity theft. 
I am requesting that U.S. Bank be required to : Provide written confirmation that the fraudulent credit card application was permanently canceled Confirm that no account was opened, no credit line issued, and no credit reporting or inquiry occurred Formally document this incident as identity theft, not a customer dispute Explain why U.S. Bank representatives failed to properly identify, escalate, and resolve this matter Confirm what corrective actions have been taken to prevent further misuse of my personal information This complaint is being submitted due to U.S. Banks failure to act with reasonable care after being notified of identity theft, resulting in preventable harm and continued risk to me as a consumer.

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