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: 8477004

Date Received: 2024-03-04

Issue: Other transaction problem

Subissue:

Consumer Complaint: I withdrew XXXX $ on XX/XX/XXXX at XXXX but {$720.00} fell back into the casing of the atm and was trapped so I only recieved {$140.00} and us bank the owner of the atm located in XXXX XXXX XXXX XXXX XXXX XXXX holds my funds is uncooperative in assisting me with research resolution or recovery of the funds that are rightfully mine. I also filed an event report with the local authorities and provided it below.

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

State: GA

Zip: 31061

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8476879

Date Received: 2024-03-04

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: my checking account was close by us back in XX/XX/2024, but they didnt mail a check to me for my account balance, I call them 3 month, they reply nothing

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

State: CA

Zip: 92130

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8476571

Date Received: 2024-03-04

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: My rent payment is automatically paid by US bank from my checking account to be delivered by a certain, specific date. The bank states that it " guarantees '' the payment to arrive.always by this date. Starting last year, I received late fee from my rental management company. I contacted US Bank bank about it several times. They first offered to reimburse the fees but never did. Instead, they sent letters to me and the rental company- with some wrong dates. I contacted them and acked to correct the dates. The bank stated they would- and I never heard from them. Starting this year, I was charged a late fee every single month ( XXXX, XXXX and now XXXX )- for supposedly the payment arriving late - which continued to be sent by the very same BillPay - al the time- the same date to be delivered.

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

State: CA

Zip: 90046

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8475658

Date Received: 2024-03-05

Issue: Attempts to collect debt not owed

Subissue: Debt is not yours

Consumer Complaint: My mother passed on XX/XX/XXXX. In XXXX I notified her creditors of her passing. As she was poor and lived in government housing, she had no estate per State of Michigan law. Starting on XX/XX/XXXX, I started receiving phone calls from different XXXX numbers. This company does not identify themselves. Instead they list the last 4 digits of a credit card. I verified the account is not mine but my deceased mothers. I told the agent on Monday, XX/XX/XXXX that this was not my debt as I dont currently owe any creditors. I asked them to remove my telephone from that account. I was told they would. They have called me everyday since except Sundays. When I call back the number that calls me, they claim my number is not on the account. I have asked them 6 times to stop calling me. They continue to do so daily. I have also confirmed they do know I am not the owner of the account. They did once call me from the US Bank phone number which is how I was able to identify them. They are harassing me into paying debts I do not know. As my mother and I have not lived together in XXXX years, they illegally obtained my telephone number. I have never co-signed my mothers credit cards nor was I an authorized buyer.

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

State: MI

Zip: 48073

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8475592

Date Received: 2024-03-04

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

Subissue: Transaction was not authorized

Consumer Complaint: US Bank fraudulently opened an account with my SSN even though I had already placed a security alert on my credit. I called multiple times for them to close the account and remove the fees, but they refused. They created a burdensome process for me to report the fraud and remove their ongoing bank fees for an account I did not open. They kept charging me every month, even though I requested multiple times to close the account and remove the fees for an account I didn't open. When I had their ID Theft Package filled out and faxed to them, they issued me a blackmail letter to pay their fees or risk being reported to consumer reporting agencies and get denied by other financial institutions. When I called again for US Bank to close the account and remove the fees, their agent stalled for 1 hour and 15 minutes before closing the account and told me to " get the XXXX off my line. '' XX/XX/XXXX : I realized that my former tenants were using my SSN to open accounts and created a security alert to prevent accounts from being opened in my name. XX/XX/XXXX : I realized US Bank made an inquiry into my credit and I called them about being a victim of identity fraud, but they claimed that no account was associated with my SSN. XX/XX/XXXX : I received a statement from US Bank for opening a checking account and a fee of {$6.00} for having no balance. I called to inform them that I was a victim of ID fraud and asked them to closed the account. That I shouldn't be charged for an account I never opened. I was sent to the Fraud Department who insisted that I had to complete all the required documentation for the fees to be removed. XX/XX/XXXX : US Bank sends me a big ID Theft Packet to complete requiring me to provide a copy of my SSN card. I told them I would not submit a copy of my SSN card to a company that conspires with ID thieves top fraudulently open accounts when there is already a security alert attached to the SSN, but they insisted that's what's required for me to close the account and remove the US Bank fees. XX/XX/XXXX : I called again to close the account and was referred to a local branch to close the account. XX/XX/XXXX : I receive a statement with {$29.00} in US bank fees for monthly maintenance and a paper statement fee and the account was still open and charged for fees. XX/XX/XXXX : I filled out all the ID Theft Packet, passed it over to a local branch to get a notary of all the documents I provided, showed the notary my social security card, but noted that I do not want to send a copy of my Social Security card, and had the local branch fax all the documents to the US Bank Fraud Service Center as required by US Bank. XX/XX/XXXX : US Bank issues me a ( black mail ) letter to pay the balance of {$43.00} in US Bank fees ( for an account I did not open ) or else, " if additional transactions occur { that is if US Bank decides to charge me more maintenance fees }, you will be subject to Overdraft Paid Fees, collection efforts, and we may report your account to consumer reporting agencies. This could impact your ability to obtain services at other financial institutions. '' XX/XX/XXXX : I called the 800 US Bank number ( XXXX ) on the black mail letter it issued me to address the problem, requesting for them to close the account and remove US Bank 's fees. The agent insisted that she couldn't do it and that I need to go through the Fraud Department again. And, she told me the Fraud Department never received the ID Theft Packet I had the local branch fax, and that they would send me another packet for me to fill out with a copy of my Social Security card on it. I told her I would never send a copy of my SS card to an institution that harbors fraud and makes it extra hard for fraud victims to clear their names, and sends black mail letters to force fraud victims to pay their unwarranted fees. I insisted on speaking to the Legal Department whose contact info she refused to provide me. After XXXX hours, she finally said she elevated the issue and was able to remove the US Bank fees and close the account. Apparently, she was able to do what I had asked her to do in the beginning, but didn't want to do it. When I thanked her, she yelled out now " get the XXXX off my line. '' This bank is worse than the mob. Other banks try to help fraud victims. US Bank makes it as difficult as possible for fraud victims, tries to take advantage of us by making the ID theft process impossible to do, charging us monthly fees while not allowing us to close the account, then threaten to ruin our credit with other financial agencies when we try to sort things out.

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

State: CA

Zip: 95828

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8475107

Date Received: 2024-03-05

Issue: Closing an account

Subissue: Company closed your account

Consumer Complaint: I called the customer service department at US Bank regarding a question I had on several transactions. Account # XXXX. I was told that they had no information, and it was indicated that US Bank was closing the account. When I asked why I was told that they had no information and that I needed to go to the branch where the account was opened and speak to the branch manager. I went to the branch where the account was opened ( XXXX and XXXX in XXXX XXXX ) I was told that the decision had been made and US Bank was closing the account and there was nothing they could do about it. Again, I was given no reason why and was told that the bank XXXX send me a letter of explanation. When I expressed the fact that I had been a customer of XXXX XXXX ( US Bank bought XXXX XXXX ) and US BANK for over 15 years and that I had several accounts ( XXXX, XXXX XXXX etc ) that were paid automatically through my checking account and that closing my account would cause significant problems for my wife and I. Her response was basically tough and go to another bank and open an account. XXXX & XXXX XXXX -- my SS # XXXX XXXX ( XXXX ) XXXX

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

State: CA

Zip: 92648

Submitted Via: Web

Date Sent: 2024-03-05

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8470678

Date Received: 2024-03-04

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Im writing to hopefully finally solve these long-standing issues on my consumer reports concerning these furnishers of information not following the consumer laws that protect us as US citizens and consumers when furnishing anything on my consumer reports. These companies are furnishing inaccurate information on my consumer reports in the form of charge-offs listed below. Elan Financial Services - Account Number # XXXX XXXX XXXX- Account NUmber # XXXX NOTICE TO AGENT IS NOTICE TO PRINCIPAL NOTICE TO PRINCIPAL IS NOTICE TO AGENT The reporting of such inaccurate information has caused severe damage to my character, my reputation, my general mode of living, and my ability to obtain credit for personal and business purposes. You and your inaccurate reporting have damaged my livelihood. 15 U.S. Code 1681s-2 : Responsibilities of furnishers of information to consumer reporting agencies ( a ) The duty of furnishers of information to provide accurate information Prohibition ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Duty : a moral or legal obligation ; a responsibility Accurate : correct in all details ; exact. Prohibition : a law or regulation forbidding something As Defined by The IRS Even if you didn't receive a Form 1099-C, you must report canceled debt as gross income on your tax return. The IRS clearly defines a CHARGE-OFFS as gross or ordinary income, INCOME DOES NOT GET REPORTED ON THE CONSUMER REPORT which in fact makes your reporting of this account inaccurate! By Definition The IRS clearly states that a cancelled debt or a charge-off is income. The reporting of this account as a debt is inaccurate. 15 USC 1681 s-2 Says you as a furnisher of information to a consumer reporting agency ARE PROHIBITED BY LAW to furnish inaccurate information. I demand you to Cease and Desist the reporting of incorrect/ inaccurate information immediately. 15 USC 1681 s-2 ( a ) ( 1 ) ( A ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate You are hereby put on NOTICE that you are furnishing incorrect inaccurate information. And also the lenders in this case Elan Financial and XXXX XXXX must file Form 1099-C and send me a copy if the amount of debt canceled is {$600.00} or more and the lender is a financial institution, credit union XXXX federal government agency, or other applicable entity as discussed earlier in XXXX XXXX. The above paragraph is taken directly from the IRS XXXX publication. SEND ME MY FORM 1099-C that you should have sent when you Filled the account as a canceled debt. My Address is listed below! 15 U.S. Code 1681s2 ( a ) Duty of furnishers of information to provide accurate information Prohibition ( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate ; and ( ii ) the information is, in fact, inaccurate. In conclusion I have shown you and you have been put on notice that you are reporting inaccurate information. The information is, in fact, inaccurate. The continued reporting of this inaccurate information is a clear violation of Law 15 USC 1681 s-2 of your responsibilities as a furnisher of information. You have caused me and my family severe harm due to your negligence and inaccurate reporting. This is a final opportunity to Cure and DELETE This Erroneous, inaccurate account from my Consumer report. YOU HAVE 10 Calendar days to DELETE THIS ACOOUNT FROM MY CONSUMER REPORTS!

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

State: HI

Zip: 96814

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8470244

Date Received: 2024-03-04

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: I have for all of XXXX and XXXX been unable to process ACH transactions online. Whenever I tried to submit an ACH transaction, my business checking account has been locked as part of security fraud protection. I have on several occassion and in much debt talked to the banks IT department, security department, business department, and local branch. Nobody has been able to resolve the issue for me. Instead I have been advised to use in branch wire transactions. Using wire transations have cost more more than {$1000.00} in service fees with the bank ( {$40.00} per wire + {$11.00} mailing fee per wire ). This is in comparison to ACH transactins which are part of the advertised service that come with my account for {$1.00} per transaction. The bank in unable to resolve the issue and is unwilling to waive the incurred wire transaction fees either. The services advertised to me are false advertisement and I have not been provided a reasonable solution to the problem

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

State: CA

Zip: 91201

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8470071

Date Received: 2024-03-04

Issue: Closing an account

Subissue: Funds not received from closed account

Consumer Complaint: US Bank has been in the process of closing my checking account. On XX/XX/2024 they locked my account. I called the next day on XX/XX/XXXX to understand why I can not log into the bank app. It has been 2 months and have not received a lot of information. They have not told me when they'll send my money. It is {$8300.00}.

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

State: MN

Zip: 55411

Submitted Via: Web

Date Sent: 2024-03-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8466919

Date Received: 2024-03-03

Issue: Closing an account

Subissue: Fees charged for closing account

Consumer Complaint: US bank unfairly auto renewed my matured CD account to a extremely low interest rate 0.05 %, which is even much lower than their money market or saving account interest rate. Upon found it out on XX/XX/2024, I contacted customer service, I was instructed to go to branch, they charge me 1 % of the fund in my the CD account as a penalty to withdrawal it pre-maturely, which is much higher than the annual interest of this CD term. Their practice is unfair and deceiving.

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

State: CA

Zip: 92126

Submitted Via: Web

Date Sent: 2024-03-03

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.