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: 6907133

Date Received: 2023-04-29

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I had a call that was from an individual portraying to be an us bank representative. The number that they were calling from was similar to us banks number. Just 2 numbers were reversed. They know everything about my account and told a XXXX transaction had been attempted on my bank account. I immediately opened my us bank app to look at my account. This person said they were remotely going to log in to my account to help me. Which us bank has done for me before. While I was looking at my account info I was receiving text messages that said it was from us bank. Meanwhile the man remotely hacked my phone and was making a transaction payment on XXXX app. It happened very fast. And before I new it he hung up and my phone refreshed the page and XXXX dollars were withdrawn and sent thru the app XXXX. I immediately call us bank and reported the incident. I also went to the local branch, they contacted the fraud department too. The fraud department recommended I close all my accounts since they may have been compromised. So I closed all my accounts. I also filed a police report. It really concerns me that us bank promotes XXXX on there mobile app and supplies a direct link to there site.

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

State: WA

Zip: 98901

Submitted Via: Web

Date Sent: 2023-04-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6906857

Date Received: 2023-04-29

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I have called US Bank on multiple occasions trying to update my phone number on File so that I can log into my account I first called the number on the back of my Debit card on the XXXX of XX/XX/2023 and I had issues with the costumer service representative she asked what country I was from and I didn't think that was right but she said that was part of the questions she had to ask for verification so I said I wanted to talk to a supervisor about that question.when on the phone with said supervisor she also gave me the runaround about why she was asking me what country i was from I have had nothing but trouble since then with them I have called 5 different times since.trying to get this same issue resolved so i can login to my bank account with no success every time I call I get the runaround saying that the phone number is Updated already.i called on the XXXX of XX/XX/2023 and spoke to another supervisor and heard almost the same from her as well I just want to get into my account I told her and she was Condescending. And rude. all of the US Bank employees I have talked to get this issue resolved has been very rude to me and not helpful and acting like I'm crazy for calling for trying to get this issue resolved they have been saying to me a range of things from you have to login and log out of a computer to also Uninstall the US Bank app on my phone None of this has worked I am on Social security XXXX and this is a lot for me to handle I have also called my payee that i have the account with but they are unwilling to help me please help me resolve this matter. Thanks

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

State: FL

Zip: 337XX

Submitted Via: Web

Date Sent: 2023-04-29

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6906146

Date Received: 2023-04-29

Issue: Improper use of your report

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

Consumer Complaint: Last night I received a report from a credit monitoring service that I maintain, that said I had a hard inquiry made to my credit report and it cuased my credit score to take a dip. I am alerted when this happens as I like to maintain excellent credit and want to be on watch for fraud, identity theft and other issues. An organization by the name of " US Bank Consolidated '' made an inquiry on XXXX XXXX 2023. I did not apply for credit with this bank. Its lists an address of XXXX XXXX XXXX XXXX XXXX, ND XXXX. I have disputed this on my XXXX account but it is concerning. That was followed up by an email to my email account this morning claiming that I opened a credit card. It said : " Congratulations, XXXX, on your new credit card! You have been approved. To get the most out of your card, enroll in online banking or download the U.S. Bank Mobile App. The app lets you move money around effortlessly, lock and unlock cards, pay all your bills with one secure password, and so much more. You can even bank by voice or text with the U.S. Bank Smart Assistant. Download our app today. Download on the App Store, Get it on XXXXXXXX XXXX About your new card : Your card will arrive by mail in about 7 days. Be sure to activate it that will boost your cards credit line to {$2000.00}. If you requested a balance transfer, youll receive a letter with information about your request. Thank you for choosing U.S. Bank. '' When I tried to call the number for US Bank, it asked me for the last four digits of my social security number so I hung up. When I looked at my credit file it appears that yesterday someone also tried to open a credit account with Bank of America, also on XXXX XXXX 2023. That was another hard credit inquiry. That address is XXXX XXXX XXXX XXXX XXXX TX XXXX. I am disputing this one as well on XXXX. I XXXX " US Bank '' as I had never heard about them and found out that after a five year investigation your organization ( which is how I learned of the existence of this organization ) fined them millions of dollars for making unsolicitaed/unapproved hard credit inquiries and opening credit facilities on unsuspecting consumers. I guess they are at it again.

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

State: NY

Zip: 147XX

Submitted Via: Web

Date Sent: 2023-04-29

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6905387

Date Received: 2023-04-28

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: US Bank Business and Personal Accounts Same fraudulent activity identified in our XXXX XXXX XXXX account complaint ( submitted XXXX ) that US Bank is refusing to acknowledge, cover or replace the funds as follows : USBank # XXXX XXXX {$3500.00} XXXX {$6400.00} XXXX {$560.00} XXXX {$9800.00} Total {$20000.00} We have letters from US Bank stating they will refund two sums XXXX {$8700.00} and {$8600.00}. We did in fact receive the {$8700.00} but when asking about the other reimbursement were told for six weeks the check was in the mail. As of XXXX we received a letter saying that were denying any future sums related to this matter. Fraudulent charges were done by former bookkeeper using the XXXX XXXX XXXX. We sent a certified letter to XXXX XXXX requesting reimbursement but no response received. There was additional fraudulent activity using a website called XXXX XXXX totalling approximately {$1000.00} which we believe the bookkeeper is also responsible. We want our money back as it is not corporate policy to pay bills with XXXX XXXX as it is not traceable. According to bank records, she " XXXX XXXX '' the money to herself as all the line item entries include her name. Copies available of bank transcripts. We also had to close our US Bank accounts at least twice so they will need to provide account # 's of closed accounts because they blocked access when closed.

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

State: WA

Zip: 98367

Submitted Via: Web

Date Sent: 2023-04-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6903748

Date Received: 2023-04-28

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: Action Status : 1. The Branch Manager at USbank XXXX XXXX XXXX has stated that he has also reported this case to the authorities in his bank as well and the fraudulent person 's account has been flagged. XXXX. The case has been assigned to Detectives in XXXX and XXXX XXXX. 3. The case has been reported to the originating bank, Central Pacific Bank in XXXX. I have a contract with a construction contract called DISTINGUISHED DEVELOPMENT in XXXX XXXX. I provided a payment to this company through checks written on Central Pacific Bank for {$6200.00} and {$1500.00}. A fraudulent person, Case : XXXX XXXX, intercepted the checks and created a company called DISTINGUISH DEVELOPMENT as well as a bank account at USbank with that name. He was able deposit those checks into his own bank account, hence stealing the funds. The bank did not properly check the name on the check to see that it was different and allowed the transaction! The entire purpose of a trusted bank in this function is to check to see that the payee and the payable match! I would like my funds to be returned to me from USbank.

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

State: HI

Zip: 96706

Submitted Via: Web

Date Sent: 2023-04-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6903209

Date Received: 2023-04-29

Issue: Closing your account

Subissue: Can't close your account

Consumer Complaint: On XX/XX/23 I closed my credit card account with Elan Financial Services/Fulton Bank XXXX The balance outstanding was paid in full XX/XX/23. Since this time the account has been in a constant state of " We are in the state of closing your account ''. I can't seem to get the bank to close my account. There are no outstanding issues or balance on the account and every time I phone the automated system states that " The account is in the process of being closed ''. Well how many months does it take for that to occur. I want to be completely rid of this bank and everything that has to do with it, but the bank simply will not officially close the account. I have received a letter from the bank stating that the account is closed. My credit reports seem to be all updated stating that the account was " closed by consumer '' and showing a XXXX balance all in good standing. I have phoned the customer service department multiple times and have spoken to supervisors and managers who have all given me different answers to why the account is still showing " Your account is in the process of being closed '' it just doesn't make any sense. What in the XXXX do I need to do to get this thing closed down. When I called this week I spoke to a supervisor in the customer service department by the name of XXXX or XXXX who told me it could take several billing cycles to close which made absolutely no sense since there's absolutely no reason to keep it open. I called again tonight XX/XX/23 and after entering my cc number into the system my call was diverted to the FRAUD department and I didn't know that was the department I was speaking to for about 25 minutes when the woman admitted she didn't know what the procedure was for account closures?. I was so confused at this point why was my call getting channeled to the Fraud area since the account was closed and I was just wanting to verify that they had officially closed it. She transferred me back to the customer service department and I spoke to a supervisor by the name of XXXX and she told me that the account was " closed '' eventhough the automated system was telling me that " The account was in the process of being closed ''. Everytime I've called customer service to get an answer to why they can't close the XXXX account it's a different answer every time with answers that are strange and bizzare, none which are consistent with anyone else 's answer. I'm still unsure at this point whether the account is open or closed. She said that she didn't know who put a Fraud block on my account but it appears that eventhough I verified my account twice when I spoke to XXXX or XXXX earlier in the week that XXXX went in and requested a Fraud block on the account for reason I have no idea why. I verified the account twice what in the XXXX else did they want. I've had numerous accounts of this financial institution blocking my account with Fraud alerts because they didn't think they were speaking to the right person and I've addressed that in previous CFPB reports and I'm getting sick of it. You can verify your idenity until the cows come home with these people and it still wouldn't be good enough. It is so frustrating and aggrivating and I know they are doing it on purpose to XXXX XXXX XXXX XXXX XXXX XXXX removed the Fraud block from the account eventhough it's closed but once again had to go through the verificication process all over with codes being sent to my cell phone etc. These people have just proven that they are all idiots and want to make their cardholders lives a living XXXX.

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

State: MD

Zip: 21740

Submitted Via: Web

Date Sent: 2023-04-29

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6902901

Date Received: 2023-04-28

Issue: Problem with a purchase or transfer

Subissue: Charged for a purchase or transfer you did not make with the card

Consumer Complaint: Card Id # XXXX XXXX. XXXX XXXX U. S bank ReliaCard fraudulent transactions letter Greetings, my name is XXXX XXXX. On XX/XX/XXXX {$27000.00} was deposited into my us bank ReliaCard account. This account is used for Colorado unemployment I applied for during the pandemic. I was keeping track of funds and certifying until I was hospitalized in late XXXX of XXXX for serious injuries obtained in an automobile accident. Before the accident my u.s bank debit card was in my wallet. That was the last time I saw that card. I was released from the hospital almost a full year later in XXXX of XXXX. At that time I realized my debit card was missing. I logged on to the account and noticed that someone gained access and used {$27000.00} in less than two months. The last fraudulent transaction was made on XX/XX/XXXX. Once I was aware of the fraudulent charges I contacted us bank ReliaCard on XX/XX/XXXX approximately, first to get a new card. notified us bank of the unauthorized transactions. I filed a police report and sent in a copy of my identification as requested by us bank ReliaCard. If you look at atm footage you can see that I am not the person that made the transactions in question. I have provided everything necessary to prove my case. I have been dealing with this for to long.

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

State: CA

Zip: 92028

Submitted Via: Web

Date Sent: 2023-06-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6902439

Date Received: 2023-04-28

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I opened up my US bank checking account on XX/XX/2022. I was offered {$500.00} when I had direct deposits totaling {$6000.00} or more into my new checking account. I contacted US bank on XXXX XXXXThe bank rep XXXX told me that I met the bonus requirements and that I would get my bonus within 4 weeks. XXXX told me if the bonus was not automatically applied to my checking account then it would be manually given if I called back. I did not get my bonus and when I escalated it to customer service on XX/XX/XXXX I was told that I did not meet the requirements. I asked to speak to the manager and I was told I would get a call back within a few days. US bank never called me back. Not only did I not get the {$500.00} bonus as promised, the manager never called me back to show that they cared about the matter or wanted to reach a proper resolution with me. I have multiple products with US bank and feel they have disrespected my time.

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

State: CA

Zip: 94523

Submitted Via: Web

Date Sent: 2023-04-28

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6900762

Date Received: 2023-04-27

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: US Bank claims to have sent me information via USPS Ground regarding my Cash+ Visa being forced to change to Altitude Go World Elite XXXX. I have received no information and do not consent to this change. When I called, I spoke with XXXX ( ID XXXX ) who told me my options are either accept the change ( since it has already occurred without my knowledge ) or close the credit card ( which would affect my credit score negatively ). They refuse to send me the information about the change via Registered Mail or email. They did not supply me with information about the change within the 45 days before it occurred as required by law. They refused to verify the address they claimed to have sent the original information regarding the forced change. Changing products from XXXX to XXXX renders this credit card useless in my area since none of the retailers I choose to use the card with accept XXXX. This forced change has put me in a very precarious financial situation. I do not know if I am being charged annual fees nor do I know the terms of this new card. I have not received the new card in the mail. I've asked them to put a hold on the card so that no purchases can be made since they refused to verify the address they have on file for me ( in the event they send the card to the wrong address ). I have paid any remaining balance on the original card. This seems unlawful at best and predatory at worst. Why do I not have the option to close this forced account without it affecting my credit score negatively? Why are they not being held accountable for forcing their customers into these situations without their knowledge or consent?

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

State: TX

Zip: 78666

Submitted Via: Web

Date Sent: 2023-04-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6900388

Date Received: 2023-04-27

Issue: Attempts to collect debt not owed

Subissue: Debt was result of identity theft

Consumer Complaint: A lady called asking for my address to serve me court papers. She gave me a number to call. When I called the number XXXX, a man answered and said I owe XXXX dollars in debt from us bank. He then ask for the last 4 of my social security, which he already knew... When I called the original lady back the number was no longer in service.

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

State: CA

Zip: 95833

Submitted Via: Web

Date Sent: 2023-04-27

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.