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: 6643437

Date Received: 2023-03-03

Issue: Closing your account

Subissue: Company closed your account

Consumer Complaint: Several fraudulent attempts were made to gain access my U.S. bank credit card account ( XXXX XXXX XXXX XXXX The company sent me at least XXXX new cards, including XXXX of which I never received. They finally made the decision to close my account ( letter sent on XX/XX/2023 ) because they said that it was at high risk of fraud. After the account was closed I requested to be able to redeem the rewards points that I had accumulated which totaled XXXX points which is equivalent to over {$380.00} dollars ( they only provided rewards in {$25.00} increments as a gift card redeemable at authorized XXXX XXXX dealerships ). At the time they closed the account I was eligible to redeem {$370.00} worth of points. They sent me a letter dated XX/XX/2023 saying that they were unable to fulfill my request to redeem rewards " due to the current status on my account ''. I believe that this denial of my request for the rewards was very unfair and amounts to stealing those rewards that I had legitimately earned. I had this account for over 29 years and always made payments on time. I was the victim of the fraudulent attempts to access my account, NOT the perpetrator. Please assist me in obtaining the {$370.00} in rewards I had earned. I have provided a copy of the last credit card statement that I had received which shows the rewards points balance ( I did not receive a statement in XXXX ). I have also included copies of the original credit card which matches the statement and the most recent credit card that I received, a copy of the letter closing the account, a copy of the letter denying me the rewards points, a copy of a letter confirming that I had reported identity theft to the company and a copy of a letter showing that they were aware of fraudulent activity pertaining to my account. Apparently their security system was not able to prevent recurring attempts to gain access to my account that included changing my address, email address and phone number even after placing an alert on my account.

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

State: CO

Zip: 80439

Submitted Via: Web

Date Sent: 2023-03-03

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6642577

Date Received: 2023-03-03

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: There was fraudulent use of my US Bank credit card on XX/XX/2022 by a non existent company for {$2900.00} through a XXXX payment device for " kitchen remodeling '' that I immediately reported to the credit card company ( US Bank ) as fraudulent. The credit card company initially cancelled the charge and said they would investigate. After multiple " thank you for your patience '' emailed case updates from the credit card company the fraudulent charge was placed back on my account on XX/XX/2022 and deemed by US Bank as a valid and authorized charge. They mailed me their " findings '' but there was no information in that paperwork validating the transaction. To the contrary, my personal contact information listed in their investigation is not correct but they either failed to notice this inconsistency or simply ignored it. After speaking to US Bank directly to again dispute the validity of this debt they refused to investigate further and deemed the situation resolved and the investigation closed. As a result of this lack of reasonable action on their part I have paid all unassociated debt on that account and cancelled the card. Additionally I have filed a police report for financial fraud and identity theft and sent them a letter enclosed with a copy of that police report demanding the debt be removed completely along with any associated fees or penalties. US Bank continues to claim I owe this debt and are charging interest on it as well as making derogatory remarks on my historically exemplary credit report. I need help resolving this issue and help making sure it does not happen to someone else.

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

State: GA

Zip: 301XX

Submitted Via: Web

Date Sent: 2023-03-03

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6641993

Date Received: 2023-03-02

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: I opened an account with US Bank in response to a {$400.00} new customer offer. After opening the account, I became aware that US Bank had acquired another bank 's accounts, and thus myself as one of their customers. US Bank continues to use the branding of the prior bank on these accounts and has provided no communication indicating a transition of ownership. Once realizing that this may mean that I did not qualify as a new customer, I reached out to US Bank and was assured by multiple associates that the separate branding for the prior account meant there would be no issue and that I should continue fulfilling the terms of the offer. I then fulfilled the terms and completed the offer. However, the {$400.00} bonus never arrived and each contact with US Bank assured me that I had met all of the requirements and to just give it a few more weeks. I continued asking US Bank to clarify the timeline for the bonus payout, which eventually lead to a " research request '' being filed. I was told that I would hear from US Bank within a few business days. I never was contacted and subsequent contacts with US Bank indicate no such " research request '' existed. After it was clear the " research request '' didn't exist, I requested a path to resolution from US Bank and was directed to go into a physical branch, which was the only way to get it resolved. I did so, and they proposed filing another " research request. '' I was again assured that I would be pro-actively contacted with the results and that it would be a few business days. I again have received no communication from US Bank on this matter. As part of my in-branch visit, we were able to ascertain that US Bank does not honor USPS 's National Change of Address program like other banks I associate with. As a result, any physical notification of the acquisition of State Farm Bank accounts by US Bank was sent to a known old address and returned to sender by USPS. US Bank then clearly took no action to contact me via phone or email to convey this information to me. As a result, I opened the new account in good faith belief that I was a new customer and was repeatedly assured that it would not be an issue. After repeated attempts to resolve the matter, I continue to get directed to non-existent " research requests '' with no clear answer.

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

State: WA

Zip: 980XX

Submitted Via: Web

Date Sent: 2023-03-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6640030

Date Received: 2023-03-02

Issue: Problem caused by your funds being low

Subissue: Overdrafts and overdraft fees

Consumer Complaint: I am from XXXX and I own XXXX XXXX XXXX A person texted me from a us phone number saying they will come to XXXX for vacations and that they are interested in renting the cabins. He made a deposit on my US bank account for more money than i asked to, so he asked me to transfer the difference back. My account got blocked so I called us bank to ask the reason and they said it was because im not used to getting those amounts but that everything was ok and that I have the full amount in my account. The deposit was from what you can tell on Us bank app, in cash since it was fully available from the very biginning and did not say it was a pending check. My account was available again on monday XX/XX/XXXX and I made the XXXX transfer since us bank told me the money was on my account. Later that day another us phone number texts me asking for the same thing, then I assume there was something wrong so i called us bank telling the situation. They could not even tell me if it was cash or a check and after hours of being on the phone they tell me it was a check. Later that day I called again to Us bank asking how can Us bank accredit the full amount of a check in my account if the check is not even veryfied yet, and the fraud department tells me they looked up the check with the supervisor and told me i had nothing to worry about, that the check was verifyed and the money was on my account. Today I wake up and that money is gone, I called the fraud department and again after hours of calling they told me that YES it was a mistake on their part because the person that received the check at the US bank branch didnt do the right verification on the check and they just put the full amount available on my account, and said there is nothing they can do about it. I was like how can you tell me is your mistake and that because of that i lost XXXX and there is nothing you can do about it. They said " sorry, it was a busy day probably '' like if that makes it ok I lost my money.i would never transfer money back If I know it was a check and pending from approval, but US bank told me everything was ok, and all the sudden they took that money away from my account.

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

State: FL

Zip: 334XX

Submitted Via: Web

Date Sent: 2023-03-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6639878

Date Received: 2023-03-02

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: My checking accounts with US Bank were placed on a hold. Called customer service and they said the hold was placed by the branch. Called the branch, they said the hold was lifted and that mobile banking access would be reinstated. Had to call customer service, waited 45 minutes for mobile banking to be reinstated, once I had access I realized I can not use XXXX, card or deposit. Had to call c.s again and they said theres still two hold, waited on the phone 45 minutes again to be told the branch is working on it Called the branch and they said theres only two of us here so you have to wait.

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

State: WI

Zip: 53051

Submitted Via: Web

Date Sent: 2023-03-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6639624

Date Received: 2023-03-02

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: I had a new credit card account with US Bank and set up autopay for it so I wouldnt miss payments in case I forgot. Id gotten confirmation that it had been set up, then I checked my statement and a {$30.00} late fee had been applied because autopay would not go into effect until the next month and the payment was never sent. I was never informed of this when I initially set up autopay. Now that autopay is active, I have the option of paying minimum payment or statement balance. The statement balance sounds like it should be the full balance on the account, but it isnt. Its exactly the same as the minimum payment. There is no actual option to automatically pay the full balance, it has to be done manually every time. People who dont catch this could easily be tricked into paying just the minimum payment and being charged interest. I called customer service on XX/XX/XXXX to try to fix this issue. They transferred me to cardmember services. Once I told cardmember service about my issue they stopped responding at all and kept ignoring me even when I tried to ask questions. I tried again with their websites chat option. I was transferred to cardmember services again. When I told them my issue they closed the chat and I couldnt access it again.

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

State: CA

Zip: 95382

Submitted Via: Web

Date Sent: 2023-03-02

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6639514

Date Received: 2023-03-02

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: I applied for a business checking account on XX/XX/23. I opened my account with a {$250.00} deposit from my credit card, and it was charged on that date. U.S. Bank required additional documentation to verify my identity. I provided that, and my account was opened on XX/XX/23. My credit card was charged again on that date. I have provided a screenshot of my credit card account showing these duplicate charges. I reached out to U.S. Bank customer service via chat on their website. I was told to dispute the charge by U.S. Bank customer service. I have provided screenshots of this conversation. After I attempted to wire money to my U.S. bank business account on XX/XX/XXXX, I found out that my account had been closed. I was informed that the reason was because they had received a chargeback for the opening deposit. I explained that customer service told me to dispute the charge, and I was told that a manager would reach out to the department that closes accounts and that I would receive a callback. I never did. I followed up with a different manager, and he was unbelievably rude and dismissive. I was told that there was no way that I could have been charged twice, and that the account closure was my fault for disputing the charge. I implied that I would file a complaint with CFPB, and he discouraged me from doing so. He said that complaint would be dismissed, because I did not have any evidence. I have attached the evidence. This is entirely U.S. Bank 's fault, and they refuse to take any responsibility. I did exactly what I was told to do by U.S. Bank customer service, and they have attempted to blame me for their mistake.

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

State: FL

Zip: 33435

Submitted Via: Web

Date Sent: 2023-03-02

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6638909

Date Received: 2023-03-02

Issue: Managing an account

Subissue: Fee problem

Consumer Complaint: I am not opted in to overdraft protection yet have been charged multiple overdraft fees.

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

State: CA

Zip: 96002

Submitted Via: Web

Date Sent: 2023-03-02

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6638018

Date Received: 2023-03-03

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: I received a loan through my retirement fund, XXXX XXXX XXXX XXXX XXXX in the amount of {$5800.00} and deposited the check into my account at US Bank on XX/XX/23. Funds were available the following day ( XX/XX/23 ) in which I utilized a generous amount to pay off other accounts. Today ( XX/XX/23 ) I saw that US Bank had withdrawn the previously accepted check, leaving my account with a significant negative balance of - {$1000.00}. After speaking with US Bank, they said there was a discrepancy with the check and the provider. I contacted the loan provider and they confirmed that the check was good and that the check numbers and mounts matched. I spoke again with the bank and they were unable to provide anymore information. I am leaving for an international trip over the weekend and if I were reissued a new check by XXXX, I would not receive it by the time I will have left. I have multiple automatic payments coming up through US Bank and will be charged an overdraft fee for each payment. I was also told that my automatic payments may or may not go through if I am unable to deposit a new check before I leave for my trip, and that those decisions will be up to the discretion of US Bank. My credit score and my rent and utilities might be greatly affected if this issue is not resolved. The bank is unhelpful in solving this issue.

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

State: MO

Zip: 631XX

Submitted Via: Web

Date Sent: 2023-03-03

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 6635512

Date Received: 2023-03-01

Issue: Problem with a purchase shown on your statement

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

Consumer Complaint: Previously submitted this complaint and received a response which is not accurate from the company. The original complaint ID # is XXXX. The company responded they did not rec the fraud. I have submitted 2 different forms on 2 different occasions and as per an email they sent me the wrong form the first time and had me complete a second form. I don't understand why they say this is not being reimbursed due to a lack of fraud from submission. I have filed police reports, fraud reports, etc. Thanks

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

State: OK

Zip: XXXXX

Submitted Via: Web

Date Sent: 2023-03-01

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.