U.S. BANCORP


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"Products" offered by U.S. BANCORP with at least one, but usually more complaints:

Bank account or service - (CD) Certificate of deposit
Bank account or service - Cashing a check without an account
Bank account or service - Checking account
Bank account or service - Other bank product/service
Bank account or service - Savings account
Checking or savings account -
Checking or savings account - CD (Certificate of Deposit)
Checking or savings account - Checking account
Checking or savings account - Other banking product or service
Checking or savings account - Savings account
Consumer Loan - Installment loan
Consumer Loan - Pawn loan
Consumer Loan - Personal line of credit
Consumer Loan - Title loan
Consumer Loan - Vehicle lease
Consumer Loan - Vehicle loan
Credit card -
Credit card - General-purpose credit card or charge card
Credit card - Store credit card
Credit card or prepaid card - General-purpose credit card or charge card
Credit card or prepaid card - General-purpose prepaid card
Credit card or prepaid card - Gift card
Credit card or prepaid card - Government benefit card
Credit card or prepaid card - Payroll card
Credit card or prepaid card - Store credit card
Credit reporting -
Credit reporting or other personal consumer reports - Credit reporting
Credit reporting or other personal consumer reports - Other personal consumer report
Credit reporting, credit repair services, or other personal consumer reports - Credit repair services
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting
Credit reporting, credit repair services, or other personal consumer reports - Other personal consumer report
Debt collection - Auto
Debt collection - Auto debt
Debt collection - Credit card
Debt collection - Credit card debt
Debt collection - Federal student loan debt
Debt collection - I do not know
Debt collection - Medical
Debt collection - Medical debt
Debt collection - Mortgage
Debt collection - Mortgage debt
Debt collection - Non-federal student loan
Debt collection - Other (i.e. phone, health club, etc.)
Debt collection - Other debt
Debt collection - Payday loan debt
Debt collection - Rental debt
Debt or credit management - Credit repair services
Debt or credit management - Debt settlement
Money transfer, virtual currency, or money service - Check cashing service
Money transfer, virtual currency, or money service - Debt settlement
Money transfer, virtual currency, or money service - Domestic (US) money transfer
Money transfer, virtual currency, or money service - Foreign currency exchange
Money transfer, virtual currency, or money service - International money transfer
Money transfer, virtual currency, or money service - Mobile or digital wallet
Money transfer, virtual currency, or money service - Money order
Money transfer, virtual currency, or money service - Money order, traveler's check or cashier's
Money transfer, virtual currency, or money service - Refund anticipation check
Money transfer, virtual currency, or money service - Traveler's check or cashier's check
Money transfer, virtual currency, or money service - Virtual currency
Money transfers - Domestic (US) money transfer
Money transfers - International money transfer
Mortgage - Conventional adjustable mortgage (ARM)
Mortgage - Conventional fixed mortgage
Mortgage - Conventional home mortgage
Mortgage - FHA mortgage
Mortgage - Home equity loan or line of credit
Mortgage - Home equity loan or line of credit (HELOC)
Mortgage - Other mortgage
Mortgage - Other type of mortgage
Mortgage - Reverse mortgage
Mortgage - Second mortgage
Mortgage - USDA mortgage
Mortgage - VA mortgage
Other financial service - Check cashing
Other financial service - Credit repair
Other financial service - Foreign currency exchange
Other financial service - Money order
Other financial service - Refund anticipation check
Other financial service - Traveler’s/Cashier’s checks
Payday loan -
Payday loan, title loan, or personal loan - Installment loan
Payday loan, title loan, or personal loan - Payday loan
Payday loan, title loan, or personal loan - Personal line of credit
Payday loan, title loan, or personal loan - Title loan
Payday loan, title loan, personal loan, or advance loan - Installment loan
Payday loan, title loan, personal loan, or advance loan - Other advances of future income
Payday loan, title loan, personal loan, or advance loan - Payday loan
Payday loan, title loan, personal loan, or advance loan - Personal line of credit
Payday loan, title loan, personal loan, or advance loan - Title loan
Prepaid card - General purpose card
Prepaid card - General-purpose prepaid card
Prepaid card - Gift card
Prepaid card - Gift or merchant card
Prepaid card - Government benefit card
Prepaid card - Government benefit payment card
Prepaid card - ID prepaid card
Prepaid card - Mobile wallet
Prepaid card - Other special purpose card
Prepaid card - Payroll card
Prepaid card - Student prepaid card
Student loan - Federal student loan servicing
Student loan - Non-federal student loan
Student loan - Private student loan
Vehicle loan or lease - Lease
Vehicle loan or lease - Loan

Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.
Complaint ID: 8392418

Date Received: 2024-02-21

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: Incorrectly informed as to the policy and procedure in resuming payments on the mortgage as negative credit reporting and stating that forbearance must end automatically by expiration of the applicable time period before any payments should be made or could be made to avoid delinquent status. I attempted to make payment prior to the end date of the forebearance as to mitigate any negative reporting and mitigate any potential damage only to met with a purported mandate that mortgage could not be serviced until after negative reporting would have been furnished by operation of terms. Full payment of all amounts past due would have been furnished to mitigate such damage.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: MN

Zip: 56303

Submitted Via: Web

Date Sent: 2024-02-21

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8392192

Date Received: 2024-02-21

Issue: Advertising and marketing, including promotional offers

Subissue: Confusing or misleading advertising about the credit card

Consumer Complaint: I need to report the US bank credit card for their balance transfer promotion. I took a $ XXXX balance transfer on my small business credit card because the US bank advertised it as a XXXX promotion for zero interest. Since my credit limit is $ XXXX, so I kept using the credit card, thinking they'd honor their promotion until 2025. It turns out that the US bank applies credit card payments to the lowest APR first. Therefore, I don't have any options to pay down my most recent purchases to avoid 26.24 % interest. In order to avoid interest charges, I need to pay down the full balance of $ XXXX ( $ XXXX transfer plus recent purchases ). It is false advertising from the US bank. How is this from a 15-month zero interest to 26.24 % just within one month? When I called, the US Bank credit card department said I signed their terms and conditions and that I should see how they apply for payments. Those pages are in small print and not in clear terms. I read their terms again, and they are just words ... without any clear meaning about how they apply for payments. I have been an accountant for 20 years, and as a number person, I think the US bank falsely advertised and treated their clients unfairly. Other credit card companies, such as XXXX XXXX, also have similar promotions. Unlike the US bank, XXXX XXXX applies payments to the highest APR first to horno their promotions. Any help to stop this false advertisement from the US bank will be greatly appreciated.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: IL

Zip: 610XX

Submitted Via: Web

Date Sent: 2024-02-21

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8392176

Date Received: 2024-02-21

Issue: Other features, terms, or problems

Subissue: Privacy issues

Consumer Complaint: The contact information on my personal bank accounts is being changed and or added to without my consent! My question is why? Does the bank treat everyone in this manner, or just me? I've asked for this to stop for over 2 years now it's a gross invasion of privacy, discrimination and ethically wrong .I closed my checking and savings accounts over a year ago XXXX XXXX XXXX XXXX XXXX and now it's happening again XXXX bank XXXX XXXX XXXX XXXX XXXX XXXX ... ... XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OR

Zip: 971XX

Submitted Via: Web

Date Sent: 2024-02-21

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8391006

Date Received: 2024-02-22

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: In XXXX I feel for a scam that has to do with XXXX XXXX. I clicked on the top result on XXXX and filled out my form and credit card info. The fee was {$250.00}. I thought that was a bit high, but then I filled out my boyfriends form and he entered his credit card and immediately got a fraud alert from his bank XXXX. I thought that was weird. Then looked more into it. Its because it IS a fraud company. So his bank blocked the charge. US Bank didnt even warn me. XXXX XXXX costs {$100.00}. This company is just taking peoples money to apply for them, while having the passport, the drivers license, the credit card. I immediately called US Bank after it happened, and assumed it would be resolved pretty quickly as it was on a credit card too and theyre obviously a scam, especially if XXXX caught it. I waited a few weeks and saw they gave the money to the scam company. This scam company changed their business name within that 3 week period. Is that not a huge red flag? When it said why they sided with that company, its because they never received my response. I called them and of course the agent was super rude, because everyone who works here treats you like XXXX XXXX XXXXXXXX for caring about YOUR money that THEY ARE HOLDING. The agent said its because I never filled out the paper work they sent me. I never received ANY paper work in the mail. The only letter I got from them was a you lost, scam company wins letter. Seriously? Why cant this be done digitally? Because they dont want to deal with it. They want to make it as hard as possible to get YOUR money back. I am extremely fed up with US Bank, I already closed all my accounts, but this dispute thing I would like to have resolved.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CO

Zip: 80134

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8390337

Date Received: 2024-02-22

Issue: Struggling to pay mortgage

Subissue: Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-li

Consumer Complaint: To Consumer Finance Protection Bureau, and XXXX XXXXXXXX To whom it may concern, This is another complaint to CFPB and this is a rebuttal to USBANK from XX/XX/XXXX CFPB case number XXXX. XX/XX/XXXX. My complaint was that my husband and a lawyer went to see USBANK at XXXX XXXX XXXX, XXXX, Tennessee XXXX. The branch XXXX 's name on this date is and was XXXX XXXX. And wanted to have a sit down to discuss a payment plan for the 2 months behind on mortgage payments. They were informed that will not be seen even if they had an appointment. USBANK response on XX/XX/XXXX. Response from USBANK, in addition, we would like to apologize for not being able to set up a face-to-face mediation with us. In order for this to occur, you would have to had send your request in writing, your property must be within XXXX miles of a bank branch or servicing site, and a federal housing administrative ( FHA ) loan, your account meant none of these terms. And we meet none of these. The USBANK branch on XXXX XXXX, XXXX, XXXX, TN XXXX is exactly XXXX miles from our house. USBANK states that they have no proof that there was a miss handeling of funds to our mortgage. USBANK sent letter on XX/XX/XXXX of XXXX that {$2200.00} funds were misplaced. The reply to the escrow shortage and have been reversed and reapplied as this XX/XX/XXXX payment due to the errors on on your account, we have advanced funds in the amount of {$4800.00} on XX/XX/XXXX of XXXX and XX/XX/XXXX to bring your account current. Your suspense account is now at XXXX and payments have been applied correctly. We sincerely apologize for these errors, USBANK also states on XX/XX/XXXX, it was discovered that the terms on your modification documents were incorrect. The unpaid principal balance and note were input incorrectly, causing an incorrect payment amount on the documents. The complaint to consumer finance bureau protection about USBANK, XX/XX/XXXX. The damage to our property. The results of mold in our house have all been sent to USBANK. Which we contacted the demands from the bank for XXXX to do work to submit we requested a list of contractors they would have in this area due to trying XXXX different contractors. No one would touch our house due to USBANK not paying what is billed and being very slow and payment. USBANK when we requested this to our case XXXX and we requested the name of contractors, we were told they do not have any recommendations. I sent the entire final results from XXXX XXXX and the mold present in our house. No response, also filed complaint with TN XXXX XXXX XXXX. U.S. Bank also said they have no information of a denied modification. I am attaching the responses from U.S. Bank and the air quality report. Sincerely, XXXX XXXX XXXX

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: TN

Zip: 37922

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8389502

Date Received: 2024-02-22

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: As a federally protected consumer per The FRCA ( Fair Credit Reporting Act ) and The Privacy Act of 1974 I am writing to you file a formal complaint regarding my consumer privacy rights on XX/XX/XXXX I sent a cease-and-desist letter to ALL the companies listed below demanding they stop the adverse furnishing of my personal nonpublic information without my written consent immediately. Disclosing a consumer non-public personal information without proper consent is illegal under federal law. XXXX5 U.S. Code 6801 : It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. Nonpublic personal information defined by Title 15 U.S. Code 6809 : a personally identifiable financial information provided by a consumer to a financial institution, resulting from any transaction with the consumer, or otherwise obtained by the financial institution. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX are financial institutions, and I am the consumer. These financial institutions never gave me a proper non-disclosure option which is illegal per 15 U.S. Code 6802 ( b ) : A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. These financial institutions disclosed my personal nonpublic information, specifically my adverse transaction history to CRAs ( Consumer Reporting Agencies ) without the proper authorization from the consumer which is illegal. 15 U.S. Code 1681b ( a ) : also states In general subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and NO OTHER : In accordance with written instructions of the consumer to whom it relates. XXXX, XXXX and XXXX are the XXXX, and Im the consumer. I have never knowingly given the proper consent to any of the CRAs listed or the financial institutions listed to report my nonpublic personal information to anyone especially my transaction history. Im now opting out and any consent that I the consumer may have given whether it was written, non-written, verbal, and non-verbal to report or disclose my nonpublic personal information, specifically the adverse furnishing of my transaction history is here by revoked until further written notice from I the consumer to the CRAs listed and to the financial institutions listed. Per 17 CFR 160.7 " A consumer may exercise the right to opt out at any time. It is illegal to report transaction history. The CRAs are responsible for reporting accurate information per 15 U.S. Code 1681s-2- ( A ) " A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. I have instructed the CRAs listed that they are inaccurately reporting my address, phone number, and employer. The only mailable address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX. All other addresses are non-mailable and inaccurate. The actions of these companies constitute a blatant disregard for the consumers personal nonpublic information and have negatively affected my personal and public life that no dollar amount could compensate for. The opportunities I've missed due to my consumer rights being violated represent more than just personal setbacks ; they're a testament to the obstacles faced when the financial institutions and CRAs are compromised. Seems like an illogical concept to base consumer reports on loan approvals and creditworthiness by the consumers ability to pay back a bank that essentially creates the money out of thin air rather than evaluating their financial stability and assets accumulated through hard work and savings like the consumer. Not only that the consumer then battles through deceptive practices by the bank that does not operate in the consumers best interest. With daunting contacts designed to mislead ; through fine print, grammar fraud, and nonverbal agreements. Its crucial that the financial institutions and CRAs are held accountable, and they follow the standards set by the FCRA, The Privacy Act of 1974, and other federal laws put in place to protect the consumer. I'm requesting valid proof and documentation that these negative items were investigated fairly and properly. Also provide me with the system and details the CRAs uses to determine if transactions took place or not. A list of every company that my personal nonpublic information was disclosed to without my consent. I kindly request that you take this matter seriously and correct it promptly. It's important to note that it's not just my consumer rights being violated. I hope you'll also take the time to inform the CRAs and the financial institutions of the ongoing issues and the damage it does to the consumer when operating with no integrity. Enclosed are my cease-and-desist letters addressed to each consumer reporting agency, financial institution, and other furnishing companies. Thank you for your attention to this matter.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: AZ

Zip: 85331

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8386527

Date Received: 2024-02-20

Issue: Trouble during payment process

Subissue: Payment process

Consumer Complaint: Documentation I requested under RESPA The Payment History, the Account Ledger showing 101 monthly payments of {$790.00} collected by servicer US Bank National from XX/XX/XXXX to XX/XX/XXXX, has not been provided to me yet. I am entitled to the information and the servicer will not give it to me. I have been asking US Bank for this information for 2 years now.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: FL

Zip: 323XX

Submitted Via: Web

Date Sent: 2024-02-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8386342

Date Received: 2024-02-20

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: Discrepancies exist between awards accounting in the mobile app compared to the online system. The mobile app shows returns as a negative number. Online shows returns as a positive number yet the result in both systems is the same. It appears from the conversations I had with the bank that they don't care ( quoted from customer service rep ) that the mobile app acoounting is incorrect. I find it unacceptable that a bank does not care if accounting is incorrect.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: WI

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-02-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8385016

Date Received: 2024-02-20

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Consumer Complaint: I was a victim to an employment fraud scheme where the scammers impersonated a legitimate company and conducted a phone interview using the names of real employees. Subsequently, they offered me a job and requested that I purchase necessary equipment, assuring me that they would reimburse the funds. I transferred a total of {$4800.00} to them via XXXX through US Bank. My realization that this was a scam occurred when I contacted the legitimate company, XXXX XXXX, to verify my employment status. Upon discovering the fraud, I immediately contacted US Bank within 24 hours of initiating the transactions. Despite my persistent calls to inquire about the status, I was repeatedly told to be patient. After a two-week wait, I was informed that my dispute claims had been denied.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: OR

Zip: 97220

Submitted Via: Web

Date Sent: 2024-02-20

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8384908

Date Received: 2024-02-20

Issue: Opening an account

Subissue: Account opened without my consent or knowledge

Consumer Complaint: US bank has indicated that I have charged off checking account from 2023. This was not opened by me and is fraud. I have submitted a FTC identity theft pertaining to this ID theft and have attached it to this complaint.

Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response

State: CA

Zip: 92780

Submitted Via: Web

Date Sent: 2024-02-20

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.