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: 6671774

Date Received: 2023-03-10

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Consumer Complaint: On XX/XX/2022 I went to a gray XXXX XXXX in XXXX XXXX XXXX to trade in a vehicle. I discussed in the parking lot with the salesman my income and such. They proceed to run my credit with many banks without verifying my income or any information about me with an application. pretty much they used made up data to run my report.

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

State: MS

Zip: 39047

Submitted Via: Web

Date Sent: 2023-03-10

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6671278

Date Received: 2023-03-10

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: On XX/XX/2023 at XXXX XXXX an external transfer withdrawal was made from my US Bank checking account for {$4900.00} which neither I nor my spouse authorized. I immediately contacted the bank that same morning and was put in touch with the Fraud Liaison Department. They locked the account and had me file a claim. It was denied and I was told to resubmit and it was denied again. I asked for documentation for the denial and was sent technical information with the pertinent IP addresses and all other data necessary to find out where the money was transferred blurred out. After several more phone conversations with the Fraud Department I was told that the denial was final and there was no one else I may speak with at a higher level. The US Bank local branch manager phoned me and we had several conversations where he asked me to email him the paperwork between me and the Fraud department. I have called him to follow up and have not received a response. I have also filed a Police Report in my home town.

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: 2023-03-10

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6670271

Date Received: 2023-03-09

Issue: Other features, terms, or problems

Subissue: Problem with rewards from credit card

Consumer Complaint: In XX/XX/XXXX I enrolled to an offer of US bank : Earn a {$20.00} statement credit when you spend {$150.00} at restaurants XX/XX/XXXX through XX/XX/XXXX. I met the spending requirements before XX/XX/XXXX. However US bank did not post {$20.00} statement credit. I called back on XX/XX/XXXX and XX/XX/XXXX. US bank still refused to post statement credit. Their representatives were extremely rude. The ticket number is XXXX and confirmation number is XXXX

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

State: MD

Zip: 20906

Submitted Via: Web

Date Sent: 2023-03-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6670004

Date Received: 2023-03-09

Issue: Incorrect information on your report

Subissue: Account status incorrect

Consumer Complaint: This Concerns an account on my credit report form XXXX XXXX XXXX. The account is showing a outstanding balance of {$210.00}. This is not correct. The balance on this account is {$0.00}. I have contacted the company and they have done nothing to resolve this situation. I am filing this complaint in hopes that you can resolve this issue '

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

State: OH

Zip: 435XX

Submitted Via: Web

Date Sent: 2023-05-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6669554

Date Received: 2023-03-09

Issue: Trouble during payment process

Subissue:

Consumer Complaint: US Bank 's online mortgage payment is system is ERRONEOUSLY and sneakily adding a late penalty before the payment grace period. I have 2 mortgages and this is happening when I pay both of them. THIS MUST be a system wide trick or egregious error meant to take advantage of customers. The screen does NOT show any penalty YET the amount includes it. Per US BANK 'S own mortgage statements, the late fee MAY be charged after the XXXX day of the month ( when the payment is due on the XXXX of the month ). I just paid these 2 mortgages on the XXXX, and the late fee was sneakily applied to the payment amount without any transparency as to why and it should not have been added at all per their statement language " If received after XX/XX/2023, {$54.00} late fee may be charged. '' None of my payments have even been LATE.

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

State: UT

Zip: 84770

Submitted Via: Web

Date Sent: 2023-03-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6669543

Date Received: 2023-03-09

Issue: Managing an account

Subissue: Fee problem

Consumer Complaint: On XX/XX/XXXX I did a few transfers out, which exceeded the available balance, therefore I immediately did a transfer back for {$100.00}. to avoid any fees. For some reason the transfer, which was done from USbank 's website took five days. I called to request a refund of the overdraft fee. They responded that I do not have " a relationship '' with them so they can not refund the fee. Yeah, no relationship... It took me longer than a month to open this account because of myriad glitches and mistakes on the bank 's side. Obviously, my momentary mistake, which was not corrected because of their slow transfer process, was much heavier than theirs - making this 'relationship '' much difficult than it should be

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

State: FL

Zip: 32605

Submitted Via: Web

Date Sent: 2023-03-09

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6667247

Date Received: 2023-03-08

Issue: Closing an account

Subissue: Fees charged for closing account

Consumer Complaint: XXXX XXXX previously sent me a notice advising that they were sending me a reimbursement check for improperly closing my checking account. I received the check for {$150.00} and cashed the check. Now I received a notice from XXXX XXXX XXXX XXXX stating that I owe XXXX XXXX $ XXXX.How is this even possible? They closed my account and sent me a check for incorrectly closing it, now they are billing me for the amount they sent me? This has to be improper practices by this banking institution and I would even go further to say they are willfully trying to get money back from the wrong they said they apologized for. Now My credit is affected and it is casing me to not be able to handle other matters because of this being improperly reported to the credit bureaus. I am being sent notices now asking for the money that they sent me. Why would they send me money only to ask for it back and do it by collections? This is against the law. US bank sent me the same notice from the same collections agency XXXX XXXX.

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

State: IL

Zip: 60640

Submitted Via: Web

Date Sent: 2023-03-08

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6666856

Date Received: 2023-03-08

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I made a previous claim because the system of thebank is not allowing me to access to my online banking. I created the user ID and password at the branch when I opened my account on XX/XX/2023, then my account was locked for security reason, I was requested to send my passport and utility bill. I sent it and that lock was removed. So I treid to access using the same credentials but didnt work, so I called custoemr service and I was informed that I need to enroll again. I tried several times but never workd. I submited a ticket and still under review XXXX. My pin is correct, because when I call customer service the system identify and verify me, so the pin is not the issue. Also I tried 2 different phones to received the access code and also doesnt recognize. I dont know what is the error. Also I contacte XXXX XXXX ( the lady who opened my account ) and she said that she cant help, once the account is opened the online banking issues are fixed by the main office.

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

State: CA

Zip: 90034

Submitted Via: Web

Date Sent: 2023-03-08

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6665504

Date Received: 2023-03-08

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I made a payment of {$380.00} Saturday XXXX that was processed and applied the subsequent business day Monday XXXX. Looking at my checking account where the payment funds originated, I discovered this payment made to Centra Pacific Bank on behalf of Elan Financial Services was DEBITED TWICE making my checking account at Central Pacific Bank go in the RED - {$310.00}. I called Elan Financial and they said they would reverse the charge and it would take XXXX business days depending on my bank. I called my bank Central Pacific and explained the issue. They said to call back today if still having issues. Today, I contacted Elan Financial and spoke to XXXX. And she said there is nothing else they can do. I feel they are accountable for this error. I have automatic payments, a bill to pay, gas to put in my car and I can't even by lunch.

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

State: HI

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-03-08

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6665501

Date Received: 2023-03-08

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I received a promotion ( detailed below ) for {$500.00} by email using promo code XXXX. On XX/XX/XXXX, I clicked on the link and opened the required Smartly checking account, registered for online banking and made multiple direct deposits exceeding {$6000.00}. I tried contacting the bank after completing the required direct deposits in XX/XX/XXXX to find out about the bonus, but the customer service rep asked me to wait for 60 days. I continued the direct deposits and have completed more than {$15000.00} in direct deposits. On XX/XX/XXXX, I contacted the bank again to check on the {$500.00} bonus. The rep first checked the promo code used which was XXXX and went on to check the details of the promotion. She then confirmed that I have satisfied the bonus requirements and am eligible for the bonus. She started opening a 'Missing bonus ' case for me, but later ran into some problems. She said that she will ask her boss to open the case later, and that the boss will contact me on the same day, before closing. Later that day, the same rep reached out to me and said that her boss clarified that this XXXX promo excludes Smartly Checking accounts. I asked her to email the promo details that she was reading to me. She said, emails are not possible, and said, her boss will try talking to me. I never received another call from the bank or the boss. Promo details below : XXXX XXXX is offering a checking bonus of up to {$500.00} when you open a Smartly Checking account. You need to complete the following requirements : XXXX. Enroll in online banking or the XXXX XXXX XXXX XXXX. XXXX. Complete XXXX or more direct deposits. The bonus you receive depends on the total of the direct deposits : Earn {$300.00} when your direct deposits total {$3000.00} to {$5900.00}. Earn {$500.00} when your direct deposits total {$6000.00} or more

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

State: CA

Zip: 94568

Submitted Via: Web

Date Sent: 2023-03-08

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.