Unless there is some back-door method that someone knows will persuade underwriting to reconsider, I’m afraid your luck changing their decision is remote.
US Bank can be very difficult to deal with at times. Last month I applied for both the Altitude Reserve and Premier Line of Credit. Fico scores were in the 755 range. I have been banking with them for 12 years. I was approved for the Altitude Reserve for $5k. I called the next day to recon, only asked what I would use it for, and was increased to $10k. However, the Premier Linr of Credit was declined. According to the letter due to poor or no previous experience. I have had an overdraft line of credit for the 12 years that I have been banking with them with no issues. According to my banker, this reason is usually due to owing on a past debt, which I did not. She even contacted 4 different departments where no one found me owing. Yet the banker, nor the manager, is able to contact anyone in the underwriting department. It seems once the decision is made, no one can be found to explain the reasoning. The manager suggested I reapply. After a double pull, I declined.