US Bank Checking Account Denied

[cchunter]

Hi, I wanted to establish a relationship with U.S. Bank before applying for one of their credit cards, so I recently applied for a U.S. Bank Smartly Checking account.

I received this message:

Thank you for applying. Based on the information you provided, we are unable to approve your request for the following account: U.S. Bank Smartly Checking. After reviewing your application, we noticed inconsistencies in the information provided. Although we attempted to verify the information, an account cannot be opened for you at this time.

Has anyone else run into this? Any suggestions or workarounds for moving forward would be appreciated, as I’d like to get a U.S. Bank credit card in the near future.

Credit profile:

• Scores: EX 759 | EQ 771 | TU 760

• Inquiries: 3/12 

• Total CL: $387K

Thanks in advance for your help.

[crystal626]

They're basically saying they can't verify that everything you put on the application was accurate. You can try calling them but barring that, there's not much you can do but try again some other time.

[cchunter]

AFAIK, I've provided all the correct info. Anyways, will try calling them. Thank you

[GZG]

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@cchunter wrote:

Hi, I wanted to establish a relationship with U.S. Bank before applying for one of their credit cards, so I recently applied for a U.S. Bank Smartly Checking account.

I received this message:

Thank you for applying. Based on the information you provided, we are unable to approve your request for the following account: U.S. Bank Smartly Checking. After reviewing your application, we noticed inconsistencies in the information provided. Although we attempted to verify the information, an account cannot be opened for you at this time.

Has anyone else run into this? Any suggestions or workarounds for moving forward would be appreciated, as I’d like to get a U.S. Bank credit card in the near future.

Credit profile:

• Scores: EX 759 | EQ 771 | TU 760

• Inquiries: 3/12 

• Total CL: $387K

Thanks in advance for your help.

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where do you live? you might be outside of their area, you need to apply for the cc first or a CD or something 

can you go in branch?

[cchunter]

I’m in Texas, and since U.S. Bank doesn’t have a branch here, would I run into the same issue if I applied for one of their credit card

[coldfusion]

There's a good chance there are discrepancies in your consumer dislosure report,  this sometimes happens when a lazy data miner maps someone's information into someone else's profile that has the same legal name or commonly uses the same alias. 

You should go to https://consumer.risk.lexisnexis.com/request and request an online copy of your consumer report and check it carefully for incorrect information. US Bank uses this data to confirm you are who you say you are (they also use it when applying for credit) and your outcome is consistent with their seeing mismatches in your application and your consumer report.    If there are errors you can dispute them off. 

While you're at it you might as well go to https://www.annualcreditreport.com/index.action and get fresh copies of your current credit reports to confirm their information is accurate as well.  Much like with LexisNexis if there are errors they can be disputed off. 

[cchunter]

Thank you, will do it. !!

[jdmull]

I bank with U.S. Bank, and this is quite common for them (at least for me), I originally applied online and got the same message. I ended up having to go into the branch to open my account.

[TrapLine]

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@jdmull wrote:
I bank with U.S. Bank, and this is quite common for them (at least for me), I originally applied online and got the same message. I ended up having to go into the branch to open my account.

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Confirm this information. For twelve years I have had to go into a Branch. Even as a customer. Frustrating. Of late, I was digging around on their website and found a place to enter an email and mobile telephone number. Confirmed the mobile telephone but have never been able to confirm the email. Used a different email and now it is confirmed. Unreal!

Think it must be a glitch in their IT for my account? No Csr has ever been able to figure it out.

After all it is US Bank, known for IT challenges. 

[cchunter]

Unfortunately, we don't have one in our state