Re : XXXX of XXXX/XXXX/2015 : On XXXX XXXX, 2015, the US Bank offered me thru my e-mail an offer to aplly for a Platinum Credit Card account because I do have a checking account with this Bank. I accepted the offer. Immediately, after applying, I received a notice from the US Bank declining my application with a follow up letter in the mail explaining the reasons of non-acceptance. 
In reviewing my XXXX credit report files, I found that the US bank obtained a HARD INQUIRE on the same day XXXX/XXXX/2015 from my files for a XXXX time which had damage my credit score lowering up to XXXX points. Since the US Bank obtained a HARD INQUIRE on XXXX XXXX, 2015 which is in THEIR FILES, I believe there is not need of pulling a CREDIT SCORE, AGAIN, from XXXX, lowering my credit score up to XXXX points. 
Please note all HARD INQUIRES are reported to other financial institutions and had damaged my credit score. 
