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: 5638593

Date Received: 2022-06-06

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I previously complained about USBANK not giving me appeal rights about a dispute against XXXX XXXX for services not rendered. They initially blamed the time that it passed ( more than 60 days ) and that because I passed that time limit they could not do anything for me. I exposed to the bank that the vendor had a contract clause that prevented me from complaining before the 60 days. In that clause we both agree ( vendor and I ) to resolve fees issues via arbitration or ADR. I abide to the end of my bargain and I follow the instructions provided on what to do per contract provisions. On the other had, XXXX XXXX from the XXXX XXXX violated her own contract clause and refused to participate in the ADR process after me starting the process with the Louisiana Bar per our own contract clause. per contract clause, we needed to seat down and discuss her charges and allow an arbitrator to come to a conclusion. That process toke several months because it is a legal process and the excuse given to me is that with the pandemic things get longer to be handle. When I filed the complaint against the bank for not giving me my appeal rights and violating my rights, they give me some partial credit and asked me to get a letter from a lawyer stating facts that the services rendered were not of quality or the services were not given. I had talk to a total of 3 lawyers and I am waiting to speak to a lawyer in Louisiana. The lawyers were waiting on USBANK to give instructions on what specifically they were looking in that letter. USBANK is supposed to contact me back and was supposed to contact me back several weeks ago, but that never happened. In addition the California lawyers told me it will be better to get a local lawyer from Louisiana to write the letter since XXXX is from Louisiana. USBANK sent me 2 letters indicating that so far I win 2 of the 5 disputes. The letters were dated on XX/XX/XXXX of XX/XX/XXXX. Those disputes were for small amounts of money and for the same reasons or similar reasons of all of the other 5 disputes. The dispute for {$520.00} dollars that it was supposed to be for {$2800.00} dollars was reversed again without explanation. I still haven't been provided with an explanation to why I win the other 2 disputes, but they are reversing the credit for the one from XXXX with dispute number XXXX. To this day, USBANK haven't clearly provided with appeal rights. I still need a telephone number and an address to complaint with XXXX or the agency that will look into my appeal. I was asking for a simple letter with a telephone number and days to make the appeal. Something that it is easy to understand without all of the fine prints. USBANK is still not able to do that for me. They keep telling me that people will be calling me from the dispute or fraud department to speak to me, but that is not happening. Also, because this process has cost me so much time and money, I am demanding for the bank to request a bigger refund for the 2 disputes I win. I been speaking to lawyers and it seems that is unnecessary because USBANK don't seem to be able to want to assist me and they are denying disputes or revising my money without a clear explanation or appeal rights. Because of the extra money and hassle I had spent on the disputes I am claiming the following : For win dispute XXXX, I am demanding {$730.00} dollars more in addition to the already given credit. For win dispute XXXX, I am disputing {$770.00} dollars more in addition to the already given credit. I earned that money and initially I only claim a small portion of the charges, but given that the process has been so cumbersome for me and all the road blocks, I am demanding the full extent of what I should receive for services that were not rendered or deficient. Again, I want to receive my appeal rights in a simplified form and I want the bank to give me an explanation to why they are denying my appeal rights, why they are not calling me like they are supposed to ( as promised ) and why I win 2 disputes for the same reasons I dispute the 5 amounts, but they are already reversing the credit for one with no explanation. I still working in getting a local lawyer from Louisiana as requested or suggested, but they take time as I needed to speak with 3 others in California that suggested I should get a local one.

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

State: CA

Zip: 93535

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5638520

Date Received: 2022-06-06

Issue: Closing your account

Subissue: Can't close your account

Consumer Complaint: On XX/XX/XXXX, around XXXX, it took me almost one hour to try to close a credit card that doesnt work for me. Its a US Bank XXXX XXXX XXXX XXXX XXXX I apply under a company that me and my ex husband have, after divorce, We do business under that companys name separately. I apply that business card with my own name, address and social security number. Got approved, they mailed me the card, after activated, I used it in a apple store purchase but got declined, so I decided to close that card. But the company asked all kinds of irrelevant private questions and after they have no questions to ask, they tell me, no, we can not close your account. What even worse is they called my ex husband in bad purposes. Even that doesnt work. This company is not only unprofessional, also mean and dark in the heart.

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

State: NY

Zip: XXXXX

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5638311

Date Received: 2022-06-06

Issue: Managing the loan or lease

Subissue: Billing problem

Consumer Complaint: My lease with US Bank, XXXX XXXX, ended in XX/XX/XXXX. I elected to purchase the vehicle. I purchased the vehicle in XX/XX/XXXX using a separate lender. Each year, I was invoiced for property taxes on the leased vehicle ( XXXX XXXX XXXX XXXX ) and each year, I promptly paid the property tax bill. The bill I paid on XX/XX/XXXX for property taxes paid by the lessor ( US Bank ) was in the amount of {$740.00}. After purchasing the vehicle, I began to receive harassing phone calls from US Bank claiming I owed the {$740.00} in property taxes. I have spent hours and hours on the phone with multiple employees of US Bank and here is what I have been told : ( 1 ) my XX/XX/XXXX was mis-coded by a US Bank employee ( 2 ) US Bank blindly pays all invoices and US Bank mistakenly paid my property taxes 2 times ( i.e. US Bank decided to pay the State of MIssouri for my property taxes twice, ( 3 ) US Bank believes I should pay them for their mistake of paying a property tax bill twice but not to worry because next year I will likely get reimbursed when they " go through their audits. '' These actions are so egregious I feel I have no choice but to seek resolution through the CFPB.

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

State: MO

Zip: 64151

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5638260

Date Received: 2022-06-06

Issue: Improper use of your report

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

Consumer Complaint: I received a notification from My XXXX XXXX that a hard inquiry was made by US Bank on XX/XX/2022. After contacting US Bank, I was advised that they will document the fraudulent activities. The individual tried to make a purchase at XXXX XXXX in Pennsylvania. I was also advised to contact XXXX XXXX, which I completed.

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

State: TX

Zip: 77478

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5638214

Date Received: 2022-06-06

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: I was trying to add new information for complaint XXXX under the CFPB that I summited last night. I just spoke with a supervisor from USBANK on XX/XX/2022. Her name is XXXX XXXX and she refused to give me her last name. XXXX XXXX just stated to me that I was sent a letter suggesting me that I should talk to a third party lawyer and get a letter. She suggested that USBANK sent me a letter with a given deadline, but latter stated that in fact I never received such letter because the bank never sent that to me. When I asked her why the bank didn't provided me with appeal rights and a deadline, she stated that " we didn't though that you were going to win the dispute with XXXX because you only had like one day to dispute and therefore we never send your appeals right info. She could never explain why nobody ever called me from the dispute department and told me I only had one day and that I was wasting my time and money by speaking with lawyers. I called the bank multiple times and ask to speak with dispute and fraud reps and after been told they were calling me back, they never did. Is clear that the merchant violated my rights by not even providing my appeal rights and handling my case poorly. I want your office to do something about the bank violating my rights and making me waste time and money talking to lawyers when they knew they were not going to be able to help me, but never said anything to me. It seems that USBANK didn't know how to handle my case properly and violated my rights. I was given the wrong information multiple times on a recorded line about my timeline for the dispute and now my rights had been violated again by not providing my appeal rights and the staff constantly giving me the wrong information.

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

State: CA

Zip: 93535

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5635493

Date Received: 2022-06-06

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Consumer Complaint: On XX/XX/22, I got charged for foreign transaction fee for {$34.00} from Fidelity credit card for purchasing XXXX flight tickets. I called the customer service and Fidelity credit card claimed that the transaction was made at XXXX, XXXX, XXXX. However, XXXX does not have office in XXXX, XXXX, XXXX. But XXXX, California. As per, XXXX XXXX XXXX Additionally, I have made another XXXX transaction with XXXX credit card and doesn't get transaction fee charge. As per XXXX XXXX XXXXXXXX XXXX XXXX XXXX there will be 3 % foreign fee if the transaction is outside US. I don't have any foreign fee charge from XXXX. I have called Fidelity customer service and XXXX XXXX Avoided to give last name ) told me that I should pursue legal action to get dispute on my own. In conclusion, this is a mistake from Fidelity and I am not supposed to get foreign fee charge.

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

State: CA

Zip: 90712

Submitted Via: Web

Date Sent: 2022-06-06

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5634456

Date Received: 2022-06-04

Issue: Managing an account

Subissue: Deposits and withdrawals

Consumer Complaint: Hello, I Deposited a {$400.00} check via the US Mobile app on XXXX the XXXX 2022 and per an email I received from them the check was accepted and partial funds would be available immediately, which was {$250.00} and the remaining in a day or two. Once the deposit was submitted i checked my account and the {$250.00} funds did show uo in my account and everything looked fine. The next day i try to use my card and i couldnt. I go online and see i only had {$5.00}. On my account they {$400.00} check deposit still showed and it looked find but for some reason it was beinh withheld. It is now XX/XX/XXXX and US bank hasnt had the idea to notify me about what happened to my check deposit. I find that very shady and very unprofessional for them to hold my funds without any explanation, like who do they think they are? And i can confirm the check already cleared yet they are holding MY MONEY. Please help

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

State: CA

Zip: 90033

Submitted Via: Web

Date Sent: 2022-06-04

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5634204

Date Received: 2022-06-05

Issue: Opening an account

Subissue: Didn't receive terms that were advertised

Consumer Complaint: Hello officer, my name is XXXX XXXX, my problem is on XX/XX/2021, I went to my local US bank branch to open a business checking account, and at that time they have an offer for {$300.00}, and I will attach the picture of the offer in the bottom, I open the account with the code : XXXX deposit XXXX and keep it until now open the US bank mobile bank the same day XX/XX/2021 after waiting for several days and I haven't received the bonus yet, I went to the branch and the same person who help me said that I still need to wait, and I wait for two more months and ask again, he said that he will help me to claim but still not any response, and couple days ago, I try to call them, and was told that because my money was XXXX transfer into my account, therefore, I am not eligible for that offer, first, in the offer page, they did not require the deposit way of money, second, I open the account in the branch if the XXXX is not eligible for this offer, I believe the banker is supposed to informing me, last, the first time I went to the branch to ask why I did not receive the bones after I open the account, and the same banker help me check it but did not say anything, I mean at that time if he told me that the XXXX is not eligble for the bonus, I will deposit cash instead, therefore, I believe they should give me that bonus.

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

State: CA

Zip: 91746

Submitted Via: Web

Date Sent: 2022-06-05

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5633989

Date Received: 2022-06-05

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Currently USBank is reporting my original loan amount as {$440000.00}, which is the amount of my first mortgage. However, when USBank reports the current balance, it is combining the balance of my first mortgage and my down payment assistance. This is resulting in the current balance being higher than the original loan amount. Last reported balance {$450000.00} on XX/XX/XXXX. By reporting only the first mortgage as the original loan amount, but then combining the totals for the first mortgage and down payment assistance as the remaining balance, it causes my loan to reflect that 0 % has been paid. I received a responses from USBank dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX stating : The current balance that reports to the credit bureaus each month will consist of all amounts, including down payment assistance. No changes are needed. However, based on their response, this is NOT how my account is being reported. They are basically using the total for one loan to report the original balance and then using the balance of two loans to report the current balance. This seems inaccurate and not consistent. The original loan amount and current balance should use the same information to report the totals. The original balance and current balance should both reflect the first and down payment assistance. The way USBank is reporting my account is hurting my credit score. I have been denied credit due to " the balance on your accounts is too high compared to the original loan amounts, lowering your score '' and " proportion of loan balances to loan amounts is too high ''. Below is the response I received from XXXX as to why this inaccuracy hurts my score monthly : XXXX weighs the amounts paid down and balances of mortgage and non-mortgage installment loans against the original loan balance. A balance to loan ratio of 0 % is considered risky, which will negatively impact your credit score. Due to the way USBank continues to report my mortgage, my balance to loan ratio is 0 %. Despite making all payments on time and making additional payments towards my principal every month. Original Loan Amount/ High Balance Being Reported to Credit Agencies : {$440000.00} Current Principal Balance Being Reported to Credit Agencies : {$450000.00} The Original Loan Amount/ High Balance only includes my mortgage. The Current Principal Balance includes BOTH the mortgage & DPA balances. Because the Current Principal Balance Reported ( {$450000.00} ) is more/ higher than the Original Loan amount Reported ( {$440000.00} ) the percentage paid off is 0 % What USBank Says I Burrowed : {$440000.00} ( mortgage ) What USBank Says I Owe : {$450000.00} ( mortgage + DPA ) On XX/XX/XXXX I was told by a USBank Mortgage employee that they are mandated to report my account in this way. When I asked where I could verify this information, I was told that I could do my own research. I have not been able to verify anywhere on your website or other Consumer reporting sites that it is mandated to only report the first mortgage as the original loan, but second mortgages and/or down payment assistance will be added on top of the mortgage to report the current balance. Can you please verify if this is correct? If so, explain why intentionally reporting in a manner that is harmful to consumers would be required?

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

State: CO

Zip: 800XX

Submitted Via: Web

Date Sent: 2022-06-05

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 5633499

Date Received: 2022-06-04

Issue: Incorrect information on your report

Subissue: Information belongs to someone else

Consumer Complaint: Elan Financial Service Reports a secured credit card in my name opened on XX/XX/2022. The payment status says its past due 30 days two times and then Im over the limit 127 %. I have called both Elon Financial services to try to have this matter resolved as I never opened a credit card with their company. I tried to ask for where the secure {$300.00} came from they did not provide that information I have submitted disputes with the credit bureaus to no avail. Its still showing as a revolving account and Ive never opened this at all. It should be simple to find out where the {$300.00} came from if I opened a secured credit card which I wouldnt have done considering I have three credit cards with good balances and are unsecured.

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

State: GA

Zip: 30114

Submitted Via: Web

Date Sent: 2022-06-04

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Select another page to read more about how -real people- receive -real harm- from these banks, credit bureaus, and others.