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: 7170314

Date Received: 2023-06-26

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I am filing a complaint against US Bank which processes charges and payments for my Kroger Mastercard account ( ending in XXXX ) pand my Fidelity Investment Visa account ( ending in XXXX ). Despite the presence of the correct account number on my Kroger Mastercard payments, US Bank has repeatedly made the payments to my Fidelity account. By applying the Kroger payment to the wrong account, they assess a late fee for failing to pay my Kroger account. They do this despite the fact that I send in my payments early and pay in full. I have at least four letters in which US Bank apologized for " misapplying '' the payment to the wrong account. They continue to repeat the same mistake and charge me a late fee each time. This has happened so often that I no longer think it's accidental. This does not happen every time but it has occurred enough times to believe these misapplications are not inadvertent mistakes. How can their computers keep repeating an error where distinct account numbers are used? Please require US Bank corporate management to investigate these repeated processing errors that enrich corporate earnings and defraud the customer. Although they have account files that document their repeated mistakes in applying my Kroger card payments, their representatives always deny responsibility for the misapplication. It is only when I refer to the letters in which they acknowledged past errors, do they finally concede they may have made another error. Then they reluctantly send another apology letter. If I did not review my statements carefully, I would have been ripped off repeatedly. Such self-serving errors can not be inadvertent so often. Please investigate this situation thoroughly. Check to see if other customers are reporting similar problems where they have two or more accounts being processed by US Bank. It is time for US Bank to clean up their act and honestly serve their customers.

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

State: OH

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7170310

Date Received: 2023-06-26

Issue: Struggling to pay mortgage

Subissue:

Consumer Complaint: Hello, In XX/XX/2023 I had some financial issues and was placed on the Pandemic FB Plan through my mortgage Company. They placed me on the plan for 3 months. I was never given an option to chose 6 months. After the 3 months In XXXX the mortgage company automatically extended my FB for another 3 months. Again I was not given the option to chose 6 months ext. I received a letter from my mortgage company date XX/XX/2023. This date is very important. In this letter it states I need to contact them as my FB is coming to an end. The letter gave me XXXX options. First option was to resume monthly payments and select a program for paying back the suspended amount. Second option was to pay back all payments in XXXX installment. Final option is to Extend my forbearance Under the Cares Act, as I am eligible for an additional 180 days. I spoke to a re with my mortgage company named XXXX on XX/XX/2023. I advised I would like to extend my FB plan per the letter i received. She said she had tried entering the extension 3 times and the system would not allow her to. She then stated she would reach out to her manager and see what the issue is and for me to call her back. I kindly asked could she call me once she has a response. She said she could not that I would have to call back. I asked to speak with a manager and she placed me on hold and the call hung up. I called back and spoke with a rep not sure of the day. This rep advised me that the reason they could not enter the extension was due to me still being covered for the month of XXXX and I would need to call back the end of XXXX and they could then extend. I then received a call from XXXX again on I believe XX/XX/2023. She called me off of a dialer. It was not an intentional call or follow up to our last conversation. She then advised she was able to extend but if would not cover XXXX, I advised that is not expectable as per HUD I have the option to extend through XX/XX/2023. XXXX then transferred me to escalations. The rep in escalations advised that she was also unable to extend and would get with her manger and follow up with me. In the mean time I got a call from XXXX again who then advised me per her manager I can only get on a standard FB plan which will not protect my credit. I again asked to please let me speak with a manager and she refused and hung up on me. I received a call back from the escalation rep who stated there is no longer an extension option for my loan as it ended at the end of XX/XX/2023. I asked why they sent me a letter dated XX/XX/2023 telling me the complete opposite of this. She was kind but unable to assist me. I am very upset as the letter sent to me dated XX/XX/2023 should not have listed an option of me being able to extend my fb plan if it was not an option. The letter is attached to this message. I am hoping for a resolution with my mortgage company.

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

State: AZ

Zip: 85122

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7169956

Date Received: 2023-06-26

Issue: Struggling to pay your loan

Subissue: Loan balance remaining after the vehicle is repossessed and sold

Consumer Complaint: Subject : Request for Assistance with Car Payment Due to Total Loss Loan Account Number : XXXX Dear Sir/Madam, I hope this letter finds you well. I am writing to bring to your attention the current financial difficulties I am facing in making my car payment. I kindly request your understanding and assistance during this challenging time. On XX/XX/2023, my vehicle, financed through US Bank, was involved in a significant accident resulting in a total loss ( flooded ). I have since filed a claim with my insurance company, and they are currently evaluating the extent of the damage to determine the fair cash value of the vehicle. While the insurance company is actively working on my claim, I find myself in a situation where I am unable to make my car payment as scheduled. The financial burden caused by the loss of my vehicle and the associated expenses has temporarily strained my budget. I understand the importance of meeting my financial obligations and maintaining a good payment history. However, the circumstances surrounding the accident have placed me in a position where I am unable to fulfill my payment responsibility until the insurance company settles the claim and provides the cash value of the vehicle. I kindly request your cooperation and support in extending some flexibility with regards to my car payment. I am committed to resolving this situation as soon as the insurance company makes the payment, and I am back on track financially. I assure you that I will work diligently to bring my payments up to date promptly. I value my relationship with US Bank and the trust you have placed in me as a responsible borrower. I have always maintained a good payment record, and I believe this situation is an unfortunate and temporary setback that I am working diligently to overcome. If there are any alternative payment arrangements or solutions that XXXX Bank can provide during this difficult period, I would greatly appreciate your consideration. Any assistance you can offer will not only alleviate the immediate financial burden but also ensure that I continue to fulfill my financial obligations to US Bank in the long term. I would be grateful for the opportunity to discuss this matter further or provide any additional information or documentation required to process my request. Please feel free to contact me at [ Your Phone Number ] or [ Your Email Address ]. I am available at your convenience to address any concerns or answer any questions you may have. Thank you for your understanding, support, and consideration in this matter. I have confidence in US Bank 's commitment to customer service and trust that you will take my current circumstances into account while considering my request. I look forward to a positive resolution that allows me to maintain my financial responsibilities and continue my positive relationship with US Bank. Yours sincerely, XXXX XXXX

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

State: FL

Zip: 33137

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7169482

Date Received: 2023-06-26

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: On XX/XX/XXXX there was a Wire Transfer of {$36000.00} into my checking account. The person sending the mony made a mistake and said it was a fraud. Subsuquently the funder sent a letter that she was recalling the fraud statement and that they should release the funds to me, dated XX/XX/XXXX. I have communicated with their fraud dept., left messages and they never called me back. I have called at least 10 times and with messages. They sent me a letter dated XX/XX/XXXX, saying they were sending a cashiers check in the balance of what was in my account. I have never received any check from them. I called the fraud dept. and they told me that the money was in suspense. As far as I'm concerned they have fraudulently stolen my money. I have all the documentation to prove this statement.

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

State: CA

Zip: 94941

Submitted Via: Web

Date Sent: 2023-08-31

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7169264

Date Received: 2023-06-26

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: Certified mail sent with information explaining the primary users responsibility per a divorce decree to close an account. It also states if he did not close it he would be solely responsible. I received a letter stating the information that I sent was insufficient. I called the number provided. They claimed they could not see the information sent and did not have anything to collaborate it was sent regarding the information placed on my credit report. The amount is for {$100.00} after I notified my ex husband, he then reported the unpaid amount as fraudulent. I mailed my information on XX/XX/XXXX. I received the letter that there was insufficient evidence on XX/XX/XXXX. The letter was dated for XX/XX/XXXX. I want this debt erased from my credit report. I informed them but they have not removed it or place my credit score to its original state.

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

State: MA

Zip: 01960

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7168599

Date Received: 2023-06-26

Issue: Unexpected or other fees

Subissue:

Consumer Complaint: I am still seeking resolve for the theft committed by US Bank ReliaCard. I can not believe that no one is picking up on the errors US Bank ReliaCard. There were fraudulent ATM withdrawals made using my government payroll card that occurred while I was out of town working. I have verified my location at the time the withdrawals were made with my XXXX location tracking, proving I was no where near the credit union the withdrawals were made at. Secondly I have provided a signed affidavit from my employer at the time, and that individual is a witness that stated in writing that I was at work when the fraudulent withdrawals occurred. US Bank ReliaCard will not refund my stolen payroll money even though this proof was provided. When responding to my dispute, US Bank ReliaCard claims their decision to deny my claim was based on a pattern of use they say is evident in the three monthly statements they provided me. I have been over the monthly statements they provided countless times and the statements they provided do not, in any way, support the decision they made. There is no pattern of use evident in these monthly statements. The ATM the fraudulent withdrawals were made at was not used by me at any point in my history that they provided. The only time the credit union or the ATM the withdrawals were made at show up in my monthly statements or my history, is when the fraudulent withdrawing occurred. There is not one single other transaction occurring in this location otherwise. This fact alone is proof that US Bank could not have denied my dispute based on a pattern of use, as no pattern of use exists. There was never a use at all therefore no pattern can exist. My location tracking and a signed affidavit from my employer, combined with the fact that there was no prior use to establish a " pattern '', are three very sound reasons to question US Bank and their deceptive practices. They are allowing the theft of my money from my government payroll card and are aiding the thief by being deceitful themselves. And please do not respond to me and tell me to get a lawyer. I can not retain an attorney, the bank stole my money, so that is not an option.

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

State: KS

Zip: 671XX

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7168045

Date Received: 2023-06-27

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Original Complaint : I made an external transfer to US Bank from XXXX of {$3000.00} on XX/XX/XXXX to a business checking account. It was supposed to arrive on XX/XX/XXXX. US Bank closed my account on XX/XX/XXXX because I made an opening deposit that was rejected due to insufficient funds ( I put in the wrong account information ). This is why I tried to make the secondary {$3000.00} transfer to cover the opening deposit. I have contacted US Bank three times regarding this matter and they said it should have been returned since the account was closed. It's been XXXX weeks, no money. On their banking website, the status shows returned. I contacted XXXX twice and they said there is nothing they can do since they haven't gotten the return from US Bank and to contact them. I am tired of being given the runaround and just want my money back. -- - This is my second complaint to CFPB. My money is still missing! I got a letter from US Bank that they could not locate a record of the transaction and closed my case. I contacted XXXX again and they told me to contact US Bank again. From XXXX : On our end, the transaction was delivered successfully to them. It's just that in this case the money went out of XXXX and it's on their end the issue. XXXX Number : XXXX Transaction Trace Number : XXXX Transaction # : XXXX US BANK TRANSFER TRANSFER Transaction ID : XXXX -- - I attached the response from XXXX XXXX With additional trace number : # XXXX

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

State: NV

Zip: 89521

Submitted Via: Web

Date Sent: 2023-06-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7166547

Date Received: 2023-06-27

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: Hello, I'm writing in regard to uncredited interest on my savings account for multiple months now. My apologies in advance for spelling as I am on my cell phone. I am writing because USBANK advertised a new money market account savings special for large dollars at high interest rates post XXXX market stress and has not paid interest per the terms on the savings disclosure account ( Reg DD violation ). While the interest is even calculated and stated as earned on my statements, it hasn't been paid for many months despite monthly payments on the disclosure. I worry this is a systemic problem with the bank systems that the bank will not acknowledge and may lead to material income statement error. Furthermore. I called multiple times to customer service to escalate my interest issue and even cite a complaint. I was first told to visit my local branch, hundreds of miles away and then was hung up on after asking to formally file a complaint twice on XX/XX/XXXX, XX/XX/2023 and again on XX/XX/XXXX. Please review why interest isn't being paid by their systems and why their complaint management system appears to not be working as I was never contacted.

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

State: NY

Zip: 10128

Submitted Via: Web

Date Sent: 2023-06-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7166348

Date Received: 2023-06-26

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: I received an offer to expand my credit limit for my secured card of {$300.00}. I called several times and asked questions prior and advised of my plans to extend my limit and to later apply for the account to change into a unsecured card ( knowing of a hard post ). The representatives never stated that to extend the credit line, there would be another hard post. Had I known, I would have NEVER agreed to take that route. Upon notification that a hard post has been posted, I immediately reached out to the XXXX XXXX XXXX for clarity and was told that they had to have a verbal consent. And that the paperwork had a fine print for the hard post. I explained that something that important should stand out and be explained. I have had a secured card before and they never redone a hard post to extend a limit or to change form secured to unsecured ; especially since having a great report. As advised from a XXXX rep, my next steps is to file a complaint via you. I want the hard post off my credit history because I did not give permission to do so.

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

State: NC

Zip: 27106

Submitted Via: Web

Date Sent: 2023-06-26

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 7165700

Date Received: 2023-06-25

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

Subissue: Transaction was not authorized

Consumer Complaint: Im writing to ask for your help with US Bank dispute # XXXX to reclaim monies erroneously charged to my checking account by XXXX early XX/XX/2023 in the amount of {$490.00}. I filed the dispute on XX/XX/2023. US Bank requested documentation, which I provided. On XX/XX/2023, I received a letter from US Bank stating they were reversing the funds and closing the dispute based on insufficient information received, i.e., copies of emails and chat logs between XXXX and myself, copies of the original order with XXXX, tracking number, etc. I have, since XX/XX/2023, spoken with several people at US Bank. At your request, I will provide names and dates of each call. On XX/XX/2023, I spoke with XXXX at US Bank and was told that my case would be reopened, the funds returned to my account, and the evidence further examined. When I called a week later to follow up I was told XXXX should not have said she would reverse the funds because XXXX is not a case processor and that a case processor would be in touch. Please request from US Bank the recording of this call which I was told they keep on file. On XX/XX/2023, XXXX XXXX case processor ) left me a message outlining the information she needed to reopen the case. When I returned her call I was told that I could relay the information to the operator and that they would input it into my file. I am told this every time and every time I provide the requested info which they in turn input into the US Bank computer system. However, each time I am told that I can not be put through to a case processor and will need to wait 24-48 hours for a call back that either never comes or that I miss because I dont use a cell phone. This exact scenario has occurred several times ( I can provide documented names and dates at your request ), each time Im told I must wait another 24-48 hours for a call back. On XX/XX/2023, I spoke with XXXX at XXXX and specifically asked that the case processor ( in their voice mail to me ) leave their direct line ( which I was told by XXXX they have ) so that we can make contact. XXXX said the CP would call back within 24-48 hours and would leave this information in a voice mail. I am still waiting for this call. Im asking for your help in getting this case reopened, properly examined and funds ( {$490.00} ) put back in to my account. Please let me know if I can provide your office with any additional information or documentation. Thank you in advance for any assistance you may provide. XXXX XXXX XXXX XXXX XXXX # XXXX XXXX XXXX OR XXXX XXXX

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

State: OR

Zip: 97502

Submitted Via: Web

Date Sent: 2023-06-25

Company Response to Consumer: Closed with 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.