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

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Complaint ID: 7392472

Date Received: 2023-08-12

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: In XX/XX/XXXX I opened a new checking account with US BANK. At the time they were advertising that if you open a new account and make a certain amount of direct deposits within a certain timeframe, youd be eligible for a {$500.00} promotional credit to your checking account. When I opened the account, I was instructed to input the promotional code if I had one. Which I did. Its said congratulations, this code is valid and you may proceed to open your account. It gave me the terms of what I need to do to qualify and get credit. Months go by and I didnt receive anything. So in XXXX of XXXX I called the bank and asked for an explanation. I was told that they manually need to submit a request to get me credited and that I did qualify. The waiting period was 30-45 more days. That time went by and I still hadnt received anything. So once again to called towards the end of XXXX, one more time in XXXX, two more times in XXXX and one more time in XXXX. All the times I called the representative would say, Im sorry but it seems like no one filed the form correctly and we cant file another request as you have a pending open request. I finally went to the better business bureau and filed a formal complaint. I was responded with a letter stating that this was a invite only code is why I was not paid. Meaning they will only honor the code if someone from US bank emailed or send a mail letter to me by invite. Which I understand now why I wasnt getting paid. My problem is, if its an invite only promotion, it needs to be stated prior to opening the account which is deceptive and misleading. Secondly, why did the bank allow me to code the account and tell me its valid and allow me to proceed if its invite only? Again, deception to get you to open an account. During the few times I called, every time I was asked to provide valuable personal information for this request form that was being filled out. Which according to the XXXX response, only one form was filled out and they have no records of any other form. Ive worked in banking since XXXX. I know our calls were recorded. I asked for management review and follow up three times and no one followed up. If you listen to our calls, each time I called there were notes left on my account according to the bank but they have no information that anything was done those times I called in.? Basically stating that Im lying. All they have to do is listen to my call for months and months of getting the run down with no end result. They stayed firm on their decision via XXXX response letter. On top of this, during this process, there was a second account opened on my name without my permission which makes me believe the times I called and gave my information, someone opened an account on my behalf for credit. Which US bank has been fined for almost XXXX plus XXXX dollars in a previous lawsuit. I have reached out to that law firm for further action as no one will tell me how or why a second checking account was opened. I work for a bank and choose to go with us bank not for just the credit but for what once was a great customer service bank. Clearly thats not the case. The second account is still open. Ive received no form for fraud as they stated to get the account closed and I still never got my credit for the original account that I opened. Id like two things, my credit of {$500.00} as I was deceived and fooled into proceeding to open an account. Two, the second account to be permanently closed as my personal information has been comprised internally by the bank. I monitor my credit daily. No one externally has accessed my personal information. Ive never been a victim of fraud and working in banking my information is extremely secure. First time in my life Ive experienced this and it happens to be during a serious of calls and release ing personal information to their customer service department which probably has third party call centers. The website is so insecure that it didnt recognize that a current customer is opening a second account. Which should have directed that person who fraud me to log in before proceeding as it should have recognized my SSN to an existing account. Which makes me believe this was done by a U.S. bank representative. Please reimburse me the {$500.00} Im legally owed as this was an advertisement scam. Two, close my second account. Once I resolve my ongoing issues, I will never again step foot into a U.S. bank or conduct this non ethical business practices.

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

State: NE

Zip: 68510

Submitted Via: Web

Date Sent: 2023-08-12

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7391182

Date Received: 2023-08-12

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I opened my account with US bank- I then funded the account with my XXXX account. On XX/XX/XXXX I went to US bank to withdraw some of the money for a bill that needed to be paid. I was told the account was frozen and to call a number. When I called the number they said the bank should be able to handle it. I have had the runaround from customer service , fraud department and the hold department. Also no letter was ever sent to me regarding this matter. I keep getting the same thing not sure and a letter will come with the cashiers check. I then went back to the bank to resolve this with the bank manager which he forwarded to the district manager but to no resolve nothing has been done it is coming up to 90 days this is just wrong and still has not

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

State: NM

Zip: 87108

Submitted Via: Web

Date Sent: 2023-08-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7390926

Date Received: 2023-08-13

Issue: Getting a credit card

Subissue: Card opened as result of identity theft or fraud

Consumer Complaint: XXXX XXXX XXXX... My ex business partners opened this card in my name fraudulently to get funding for XXXX XXXX XXXX. They defaulted on our agreement which makes it fraudulent. I took them to court and they defaulted on the court order! I talked to the creditor and all 3 credit agencies to remove it from my credit reports but they all said it wasn't fraud and it stayed on my reports even with evidence of my court case against them? My ex business partners ruined my credit and this was 1 of 4 credit cards that they opened in my name fraudulently.

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

State: FL

Zip: 33321

Submitted Via: Web

Date Sent: 2023-09-13

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7389180

Date Received: 2023-08-11

Issue: Trouble during payment process

Subissue:

Consumer Complaint: I am trying to have PMI removed from my mortgage. I have done substantial upgrades to my home ( more than {$80000.00} ). This includes a full new kitchen, updated bathrooms, new flooring, new electrical, etc. I've been told by them : * These didn't qualify ( even though they initially accepted them ) * That they wouldn't honor my original loan documents * They have already taken money to assess the property, now they won't assess and won't refund my payment.

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

State: CA

Zip: 90813

Submitted Via: Web

Date Sent: 2023-08-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7388223

Date Received: 2023-08-11

Issue: Problem with a purchase shown on your statement

Subissue: Card was charged for something you did not purchase with the card

Consumer Complaint: One year ago XXXX XXXX offered me protection with a 60 day money back guarantee. Within the 60 days I asked for a refund but they would not return my emails and I could not reach them by phone ... there was not customer support number anywhere on their website. I reported it to Fidelity Credit Card Company and they ruled in my favor and refunded the charge. Well a year later XXXX charged me again even though I didn't want the service in the beginning. Fidelity ruled in my favor and had me destroy my credit card and send me a new one. In my discussion on the phone you would think they would explain my automatic bank payments would now bounce, which they did. So Fidelity charged me {$30.00} for this. This happens every time they create a new number so why wouldn't they warn me that .... well so they can gouge me {$30.00}. Then they reversed their decision and decided I was responsible for the XXXX charge after all and added it back to my account It is a VISA card and the acct number is XXXX XXXX XXXX XXXX

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

State: MN

Zip: 55430

Submitted Via: Web

Date Sent: 2023-08-11

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7386989

Date Received: 2023-08-11

Issue: Improper use of your report

Subissue: Credit inquiries on your report that you don't recognize

Consumer Complaint: I have unauthorized inquiries in my credit report

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

State: IL

Zip: 60411

Submitted Via: Web

Date Sent: 2023-08-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7385074

Date Received: 2023-08-11

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

Subissue: Transaction was not authorized

Consumer Complaint: On XXXX I was reviewing my checking account when I noticed abnormalities. I found that when I used my debt card to make phone payments and other transactions that instead of taking the money out of my checking account which was well funded U S Bank would make a fictitious account in the exact amount of the charge. Next they would charge this fraudulent account ( I say this because I never authorized any other accounts ) a fee of {$19.00} which isn't explained so that when they did attempt to pay the bill there would be insufficient funds ( by {$19.00} ) and I would be charged a overdraft fee. On one instance on XXXX I got a {$620.00} bill from my home security company, instead of taking the funds from my checking account ( which held over {$4000.00} that day ) after the fees this {$620.00}. bill cost me over {$800.00}. There were many other examples of this but when I brought it to the attention of XXXX XXXX at US Bank they blocked my access to my account history. They changed the fees to unexplained amounts but the account balances both before this transaction and after still show {$860.00} difference for a {$620.00} charge. They have denied me access to my moneys in my account ( theft through fraud ) for years and have actually hacked and made my files inaccessible. I need help dealing with this institution. I want ALL fees returned, an amount equal to what has been removed ; with interest, attorney fees paid, and a {$100000.00} tax free cashiers check as punishment. Doesn't sound like much but at this point I'll settle without court. If I have to argue this the all costs will become much higher. Thank You, XXXX XXXX

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

State: OR

Zip: 97603

Submitted Via: Web

Date Sent: 2023-08-11

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7383967

Date Received: 2023-08-10

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: XXXX disputes since XX/XX/2023, XXXX written letter to my credit card company, and XXXX calls to my credit card company later. Still no success. I paid off my balance in full in XXXX of this year. My balance is {$0.00} and my credit limit increased by $ XXXX. No updates have been sent to any credit reporting agencies on this particular credit card since XXXX of this year.

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

State: MO

Zip: 63640

Submitted Via: Web

Date Sent: 2023-08-10

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7383763

Date Received: 2023-08-10

Issue: Trouble during payment process

Subissue:

Consumer Complaint: I have a mortgage thru US Bank. Received a letter that a loss mitigation app had been approved XX/XX/XXXX. They would send options and if I did not reply then they would assume no longer needed. Made no such app. Then received a letter saying I was approved for a 3 month plan of XXXX to begin in XXXX. A plan that I never applied for or approved. So I called again and they said they could not remove it but payments would be changed back to XXXX and file would be notated that I rejected the offer. I was worried this would affect my credit which would affect my job but I was to do my own error resolution apparently. He said if I made another payment in XXXX I would be caught up. Close to XXXX in one month. Was talked down to, nothing was researched except looking at their screen repeating well your XXXX pmt was deleted on our end you are 39 days late and I was due for XXXX. I said no I was told if I made 2 payments in XXXX I would be caught up next payment would be due XXXX. I have to do my own error resolution while working doubles with no days off. I will upload everything I have to show I am and have been current. When they set the plan up they set it to start in XXXX but letter received shows XXXX was to be start date. My whole XXXX pmt went into a suspense account. So now I am 40 days behind for XXXX payment. Ive tried calling 3 times but they talk down to me and dont even attempt to research. This all stems from an escrow shortage when there was not one. I listed the property last year. Listing ended in XXXX. XXXX went to closing with XXXX, received closing disclosure 30 minutes before closing. An hour after closing they send a corrected one to be signed due to a {$3.00} recording fee they forgot. I reviewed the doc and net to seller went down by $ XXXX. So I cancelled the closing. And have not tried to sell since then. I received a notice yesterday saying taxes have not been paid. But taxes and insurance are escrowed. I reviewed recent escrow statement and it shows that taxes and insurance payments have not increased but yet Im short {$1100.00} yet nothing had increased when payments had already gone up {$100.00} this year from XXXX to XXXX due to shortage. All of a sudden I receive a payoff statement XXXX of this year that taxes will be held in escrow until closing. Received no such notice when I was actually going to sell it last year. This seems to be their way of making me pay penalties for late taxes they did not pay but paid last year. So now I am behind on payments and taxes.

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

State: TX

Zip: 78130

Submitted Via: Web

Date Sent: 2023-08-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7383754

Date Received: 2023-08-10

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I opened a US Bank Smartly Checking account online on XX/XX/2023, with an opening bonus of {$600.00}, which I should make more than {$10000.00} direct deposit within 90 days after the account opened. I actually made more than XXXX direct deposit by XX/XX/XXXX but did not get any bonus. I called US Bank on XX/XX/XXXX and was told I should receive the bonus by XX/XX/XXXX. However, nothing happened, and I called back on XX/XX/XXXX and was told to receive it by the end of XXXX. However, nothing again. On XX/XX/XXXX, I spent another 1 hour speaking with them and was told I should receive it no later than XX/XX/XXXX. I called another two times after that, and every time I heard a different story and was kicking around like a ball, I was kept transferred around but everybody told me a different story sometimes they told me someone will call me back the next day. However, I never receive the call back nor receive the bonus which I should receive. It's really frustrating and to me a huge mental health burn.

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

State: VA

Zip: 229XX

Submitted Via: Web

Date Sent: 2023-08-10

Company Response to Consumer: Closed with explanation

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.