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: 7255848

Date Received: 2023-07-16

Issue: Other features, terms, or problems

Subissue: Other problem

Consumer Complaint: On XX/XX/23, I used my card ending in XXXX to purchase several items on XXXX due to their XXXX XXXX event. The transactions went through without any problems. However, the following day on XX/XX/23, I noticed I could no longer view my entire card number online, which is a feature US Bank offers ( See Picture XXXX ). Consequently, I called in only to have several representatives tell me all my accounts were closed. I soon called the XXXX number to get an idea why all my accounts were closed and the representative told me it was because of gift card purchases on my card ending in XXXX ( See Picture XXXX ). However, the transactions are still pending and will later be reversed because the transactions have been refunded. So all in all, it seems US Bank waited for me to complete the {$2000.00} minimum spend requirement ( XXXX XXXX XXXX ) to get the signup bonus valued at {$500.00} on the card ending in XXXX and then closed all my accounts a day later without notice.

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

State: CA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-07-16

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7255449

Date Received: 2023-07-15

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: I applied for a Loan Modification on XX/XX/XXXX and XX/XX/XXXX and I was denied on XX/XX/XXXX and XX/XX/XXXX. I was struggling to pay my mortgage due to COVID-19 my job was shut down with the XXXX XXXX XXXX XXXX XXXX I second job I was XXXX XXXXXXXX XXXX and my hours were reduced. I was dismissed from Bankruptcy Court XXXX XXXX on XX/XX/XXXX. I had a pipe to burst in my master bathroom and my home had mold and mildew in XX/XX/XXXX. On XX/XX/XXXX Hurricane Sally damaged my home. So, for three and half years I was fighting with my insurance company, and I was getting denied. I had to hire a public adjuster to assist me with my claims prior to my dismissal from my BankruptcyXXXX XXXX ; however, I called US bank to schedule four payments to come out of my bank account every two weeks and it would have taken care of XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, XXXX called US Bank and the representative canceled all four of my payments. On XX/XX/XXXX, US Bank sent me a return payment in the amount of {$230.00} dollars, and a second check on XX/XX/XXXX, in the amount of {$510.00}. In my restricted escrow account, there is a reminder {$17000.00} and my past due mortgage from XX/XX/XXXX, to XX/XX/XXXX, is {$17000.00} to bring my mortgage account current. I wrote US Bank Loss Draft, and they verbally informed me since I have a sell date of XX/XX/XXXX, I can write a letter and explain how I want the reminding amount of my claim funds to go toward my past due mortgage. I am aware of my payment for XX/XX/XXXX, I can pay my XXXX mortgage but I did request a reinstatement so I can bring my mortgage current. US Bank Loss Draft Insurance Department stated that my letter was approved but the Supervisor will have to contact US Bank which is my lender so that all the funds can cover my past due mortgage. I will call US Bank Loss Draft Insurance Department on XX/XX/XXXX, to see was my claims moved over because I became a homeowner on XX/XX/XXXX, and it will be 15 years on XX/XX/XXXX. I worked hard to purchase my home and I have all intentions to keep my home.

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

State: FL

Zip: 32514

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7255295

Date Received: 2023-07-15

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I was sent a promotion by U.S. Bank telling me they would give me {$750.00} if I opened an account and deposited {$15000.00} within 30 days. I opened the account online on XX/XX/2023. They sent me an email confirming account was open but email did NOT contain my full account number. Because I did not have full account number, I could not create online account and then trigger transfer of the required {$15000.00} to get the signup bonus of {$750.00}. I called US Bank around XX/XX/2023 and asked for my account # and they said they could not provide it to me. They said they would mail it to me. Finally -- more than 30 days after opening the account -- on XX/XX/2023 they mailed me my account #. But now that 30 days has passed since account opening, I am not eligible for the promotion and the {$750.00} they promised me because I could not deposit my money within 30 days of account opening because they refused to tell me my account number. This is a complete bait-and-switch! They promised me a {$750.00} bonus for opening an account and I followed all the steps and they purposely withheld my account # until after 30 days had passed so I could not make the deposit necessary to earn the promotion. I can not believe this problem is unique to me. I bet they did this to everyone they sent the promotion to.

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

State: CA

Zip: 94402

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7255106

Date Received: 2023-07-15

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: In accordance with the Fair Credit Reporting act. The US Bank Home Mortgage has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. The following account US Bank Home Mortgage # XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. I have politely asked US Bank to remove this account, this loan did not originate with US Bank, I did not agree on its reporting to consumer reporting agency.

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

State: DC

Zip: 20018

Submitted Via: Web

Date Sent: 2023-07-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7253973

Date Received: 2023-07-14

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: I file a Dispute 42 charges I found on my prepaid child support debit card one of them was for a {$170.00} and 1 of them was for {$71.00} and after waiting the a lot of time I received a letter that I received a permanent credit sighting in my favor but it was for the wrong amount it was only XXXX when I called the bank to talk to them about this they said that they thought the merchant had already issued a credit to me in which I replied to them that the merchant issued a credit for a completely separate transaction where I had returned merchandise and it had nothing to do with the charges that I had disputed they said they were gon na escalate it up to the dispute team to get it corrected and that I had to wait 5 days after 5 days I contacted them again I was told that they did it wrong and that they were sending it up again and that happened over and over again 4 times I was told it was escalated and that I need to wait 5 days. No resolution still

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

State: NV

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-08-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7253554

Date Received: 2023-07-14

Issue: Closing an account

Subissue: Can't close your account

Consumer Complaint: I do XXXX XXXX on the side I'm on XXXX XXXXXXXX and I was given two checks that I mobile deposited into my account. after nearly 20 years with US Bank, the checks I was given bounced, and my account was closed. never had a bad check in my life anything to that extent and checks I was given from a customer they close my account. I'm on full blown XXXX. they told me in XXXX that they would close my account anything that was owed they would deduct and then mail me my {$1300.00} check. here we are pushing XXXX I mean XXXX and have yet to receive that money and they can not close my account. this is absolutely absurd and I am XXXX off and I need my money to live on.

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

State: MO

Zip: 636XX

Submitted Via: Web

Date Sent: 2023-07-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7253535

Date Received: 2023-07-14

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Three complaints have already been submitted. Open complaints are XXXX submitted on XX/XX/XXXX and XXXX submitted on XX/XX/XXXX. XXXX was submitted on XX/XX/XXXX but closed without any proper resolution by US Bank XXXX This will be the third open complaint ; I wish open complaints could be supplemented so that it is available to the bank in 1 place. Last update yesterday was I called the fraud department and found out that money will not be returned unless XXXX XXXXXXXX XXXX submits new documents that US Bank has asked for. This is a completely new requirement and through my client company I contacted XXXX. They replied by email that " XXXX XXXX Department hasnt received any updated request or correspondence from US Bank at this time, US Bank still has the funds and needs to credit XXXX XXXX accounts. There is nothing we can do unless US Bank sends the funds back ''. Alarmed I called today and was told that the fraud back office in US bank is working with a secret department in XXXX and hence XXXX department is not aware of that. I was told to call back after 1 week on XX/XX/XXXX and hopefully the situation will be resolved by then, there is no guarantee. Also documenting that I am waiting from XX/XX/XXXX to get paid for work that I had done and XX/XX/XXXX will be 2.5 months and all this time the money had been lying with US Bank.

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

State: IL

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-07-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7253081

Date Received: 2023-07-14

Issue: Managing an account

Subissue: Problem using a debit or ATM card

Consumer Complaint: Dear Sir/Ma'am Please review 2 attachments below. The merchant " XXXX XXXX '' was supposed to charge me ONE time for {$210.00} but they charged me a SECOND time for {$980.00} ( which I was not aware of why ). I filed a dispute with US bank Debit card dispute department. Without doing any investigation or providing me evidence of " valid transaction '', your department sent me just one page letter saying " we determined that your transactions were valid ''. How? How do they know that the TWO transactionswere BOTH valid?

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

State: CA

Zip: 91101

Submitted Via: Web

Date Sent: 2023-07-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7253025

Date Received: 2023-07-14

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: Hello My name is XXXX XXXX and I had applied for a XXXX XXXX Checking Package back in XX/XX/2022 with U.S. Bank. The terms of the offer were that I to receive a {$400.00} bonus once I completed qualifying activities. My application was successfully processed and approved, and I completed all qualifying activities. I had even reached out directly to US bank and received a confirmation from a U.S. Bank employee/representative that I had fulfilled my requirements and would receive my bonus shortly. Months later after not receiving my bonus I reached out again. The rep then informed me that they claimed that the code that I used during my application had expired and did not work - " XXXX ''. I'm not even sure if that was the code that I used as it was auto generated through a promotional link that US bank provided me, but this was the first time I had heard of this error or difficulty, being almost half a year from my initial application, leading to great frustration. By withholding this information from me, U.S. bank is being intentionally misleading with their advertisements and offer terms in their promotions. Their reps had not informed me of this until after more than 6 months since my application and I completed their promotional terms. After much back and forth, I got another U.S. bank rep to call me and ask if I had any other valid promo codes. I provided her with " XXXX '' which would have been valid during the time and I have since not heard back from U.S. Bank. It has been almost 9 months since my application and I am extremely frustrated from what I interpret to be intentionally deceptive and misleading practices from U.S. Bank.

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

State: CA

Zip: 94539

Submitted Via: Web

Date Sent: 2023-07-14

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7252679

Date Received: 2023-07-14

Issue: Opening an account

Subissue: Account opened as a result of fraud

Consumer Complaint: U.S. Bank continues to violate the 2022 Enforcement Action of the CFPB. Today I received an email from U.S. Bank stating, " Your XXXX checking e-statement is ready. Your statement for the account ending in XXXX is now available. To view your e- statement, log in to your account. '' To my knowledge, I have never had a checking account with them. This seems to fit your Enforcement Action in which U.S. Bank opened an unwanted account using my personally identifiable information they had back from when they were the processer for an XXXX Master Card I had. I logged in to today 's email using the old login information for the credit card. This pulled me up in their system. I called U.S. Bank today and was transferred to their XXXX Department with which I was on the phone for some time. They could offer no explanation and did not deny it seems to violate the Enforcement Action for a practice you have also caught XXXX and XXXX XXXX. There seems to be no honor among thieves. The Security Department recommended I visit a local branch office ; the same place the bank was found to be incentivizing employees to open sham accounts...

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

State: MN

Zip: 55044

Submitted Via: Web

Date Sent: 2023-07-14

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.