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: 4963569

Date Received: 2021-12-01

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Consumer Complaint: Received my report from XXXX after I was denied a checking account at XXXX, I saw that there was a erroneous charge on my file from US Bank in the amount of {$1300.00}. I filed a dispute with XXXX and requested validation, they claimed the debt was valid and refused to give me documentation from US Bank proving the alleged debt. I believe that XXXX is continuing to report this account in violation of FCRA, since they should have deleted it when they couldn't produce validating documentation for this alleged debt. They are causing me economic damage at this point, as I have been denied other accounts due to this false information they are publishing about me. I have read online that they have a history of this false reporting, which has led to class action lawsuits in the past.

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

State: WA

Zip: 98107

Submitted Via: Web

Date Sent: 2021-12-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4962357

Date Received: 2021-11-30

Issue: False statements or representation

Subissue: Attempted to collect wrong amount

Consumer Complaint: Dear Sir or Madam, 1. US BANK XXXX XXXX Account XXXX Please correct this inaccurate information on my credit report. I recently pulled my credit report from your Bureau and my attorneys and I had a chance to go over my credit report and in amazement, that you have decided to report me 30 days late on this account in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX as wells 60 days late on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I immediately disputed this information with US BANK XXXX XXXX and the results of the investigation came back " verified ''. Not only was I never late on this account, but according to the Fair Credit Reporting Act ( FCRA ), the information furnisher is required to notify me of the insertion of negative listings. Since I have disputed the lates with the creditor, and you obviously " verified '' them, I am very curious as to what kinds of " records '' you may have for this alleged account. I am very confident that you are in violation of the ( FCRA ) and ( FCBA ) sections ( 1666, 1666a. 1666b., and 1666c. ) as stated below : 1666. Correction of billing errors ( b ) Billing error ( 4 ) The creditor 's failure to reflect properly on a statement, a payment made by the obligor or a credit issued to the obligor. ( 5 ) A computation error or similar error of an accounting nature of the creditor on a statement. ( 6 ) Failure to transmit the statement required under section 1637 ( b ) of this title to the last address of the obligor which has been disclosed to the creditor, unless that address was furnished less than twenty days before the end of the billing cycle for which the statement is required. ( 7 ) Any other error described in regulations of the Bureau. 1666a. Regulation of credit reports ( a ) Reports by creditor on obligor 's failure to pay amount regarded as billing error After receiving a notice from an obligor as provided in section 1666 ( a ) of this title, a creditor or his agent may not directly or indirectly threaten to report to any person adversely on the obligor 's credit rating or credit standing because of the obligor 's failure to pay the amount indicated by the obligor under section 1666 ( a ) ( 2 ) of this title, and such amount may not be reported as delinquent to any third party until the creditor has met the requirements of section 1666 of this title and has allowed the obligor the same number of days ( not less than ten ) thereafter to make payment as is provided under the credit agreement with the obligor for the payment of undisputed amounts. ( b ) Reports by creditor on delinquent amounts in dispute ; notification of obligor of parties notified of delinquency If a creditor receives a further written notice from an obligor that an amount is still in dispute within the time allowed for payment under subsection ( a ) of this section, a creditor may not report to any third party that the amount of the obligor is delinquent because the obligor has failed to pay an amount which he has indicated under section 1666 ( a ) ( 2 ) of this title, unless the creditor also reports that the amount is in dispute and, at the same time, notifies the obligor of the name and address of each party to whom the creditor is reporting information concerning the delinquency. ( c ) Reports by creditor of subsequent resolution of delinquent amounts A creditor shall report any subsequent resolution of any delinquencies reported pursuant to subsection ( b ) to the parties to whom such delinquencies were initially reported. 1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. Because I take my credit very seriously, I contacted every name and account that was listed on the report. I was again very shocked by the multiple names, account numbers and figures. Included with this letter, is every letter written to those who have hampered my ability to obtain credit. I believe that any judge that looks over the report would agree that it is a violation of both the FCRA, CCPA and FACTA. The following accounts were listed on your report and I have demanded from them a full accounting and five years worth of records to see if their accounts were in violation of the FAIR CREDIT BILLING ACT ( FCBA ). We also demanded signed contracts, agreements or any legal paperwork that would tie us to the following accounts. Under the FCRA, you are required to conduct an investigation on this account if I request it. I DEMAND to see all 100 % verifiable proof that I was indeed Verifiably late on these accounts and the creditor fulfilled its obligations under ( FCBA 1666 ( a ) ( 2 ) ), As I was never notified of a billing delinquency on my accounts, which the creditor must do under section ( FCBA1666 ( b ) ( 6 ). I DEMAND to see proof that I was mailed my statement to the correct address notifying me of both payment due date and delinquency of payment on the account. If you can not provide 100 % Verifiable proof and proper documentation that the CREDITOR fulfilled its obligations under the ( FCBA ) and ( FCRA ), I therefore demand these late payments be removed from my account or I will be forced to be in contact with the Attorney General of my State and the Consumer Financial Protection Bureau. I therefore am submitting my written request to you to conduct an investigation. Per the FCRA, you have 30 days to conduct this investigation and respond to my request. If you do not respond within this time period, per the FCRA, you must remove this negative information. Thank you for your time, XXXX XXXX SS # : XXXX Date of Birth : XX/XX/XXXX XXXX : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX, Iowa XXXX

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

State: TX

Zip: 76227

Submitted Via: Web

Date Sent: 2021-12-07

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4961440

Date Received: 2021-12-01

Issue: Written notification about debt

Subissue: Didn't receive enough information to verify debt

Consumer Complaint: Amount : {$2200.00} Account : Elan Financial Services. i am exercising my right under the fair credit reporting act, Section 609, to request information regarding an item that is listed on my consumer credit report : As per section 609, I am entitled to see the source of the information, which is the original contract that contains my signature. My identifying information is as follows. Date of birth XXXX SSN : XXXX. As proof of my identity, I have included copies of my identification social security number. If you are unable to verify the account with the original contract, the information should be removed from my credit report. Remove the fraudulent account Elan Financial Services.

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

State: OK

Zip: 74014

Submitted Via: Web

Date Sent: 2021-12-01

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4960783

Date Received: 2021-12-01

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/21, I submitted a fraud claim for transactions on my credit card that I did not authorize. I received communication from XXXX Services that they are providing provisional credit and researching the claim in a letter dated XX/XX/21. I also received a letter dated XX/XX/21 that my fraud claim has been denied and I am responsible to pay for the transactions. The reason given to me for denying the fraud claim was that the transactions were conducted using a chip. I have a card and my son has a card and neither of us have lost our cards. I am only asking that the fraudulent charges be removed from my account and be reimbursed for my payment of these charges.

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

State: SD

Zip: 57105

Submitted Via: Web

Date Sent: 2021-12-15

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4960552

Date Received: 2021-12-01

Issue: Managing the loan or lease

Subissue: Problem with fees charged

Consumer Complaint: I have been working to transfer my registration from XXXX XXXX to XXXX since XXXX of 2021. US Bank is my leasing company, they will not release the title to my insurance agency. My registration expires tomorrow leaving me without a car to get to work with. My insurance agency has made numerous requests for the title that have been disregarded, while US Bank only claims to have one request from XXXX, which they still have not acted on. I have called US Bank a total of 31 times, and have received misleading information about how to transfer my registration to Massachusetts. Spent 45 hours on the phone with them trying to work this out, and taken two days off from work to go to the RMV to try to get it resolved. I was told by an agent to send my updated name change documentation ( marriage license + social security card ) to XXXX, confirmed update 2x, and then was told by another agent that my name change did not go through and that no documents can be sent for name change via email, so my identity may have been compromised by an agent. Also being charged illegally for Mass tax on an exempt vehicle according to RMV ( open case with US Bank # XXXX ). US Bank will not share a timeline for the title to be released and continues to tell me that it is within my lease contract for them to refuse to release the title and force me to pay for a car I can not use. My case was " escalated '' last week and I was told someone would reach out to me about it but called yesterday and found out it was not escalated after 50 min of waiting, they then stated to call back today as it should be resolved. Today was told the company was 24 days behind, even though my request is significantly over 24 days old and told I would need to be " more patient '' while I potentially lose my job with no resolution in sight. Have requested multiple times to be followed up with and have never been. Formal complaint with US Bank ( # XXXX ) for overall experience.

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

State: MA

Zip: 019XX

Submitted Via: Web

Date Sent: 2021-12-01

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4959887

Date Received: 2021-11-30

Issue: Managing an account

Subissue: Problem making or receiving payments

Consumer Complaint: I recently opened a checking account with US Bank. My first deposit was significant. I am accustomed to making online payments of bills through Bill Pay. On XX/XX/XXXX, I sent three online payments to two financial institutions to pay off credit cards. The date given for delivery was XX/XX/XXXX. As the funds were still in my account as of XX/XX/XXXX, I contacted the bank and found that they had for some reason sent checks to these financial institutions and the payments are hanging in limbo. The 800 clerk said she didn't know how they could be mailed as they had no address!!!! This is totally unacceptable. Payments to individuals could understandably be made by check but certainly not financial institutions. I am unable to find a phone number other than a general 800 number. Corporations should not be allowed to hide behind an 800 number! I deserve to talk to someone that can complete my transactions instead of having funds in limbo!

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

State: WI

Zip: 531XX

Submitted Via: Web

Date Sent: 2021-11-30

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4959078

Date Received: 2021-11-30

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue:

Consumer Complaint: I have a usda loan through us bank I took the forbearance out from XXXX through XXXX do to Covid hardship ( jobless ) my hardship has been resolved I have been reaching out to us bank loss mitigation Dept x3-4 a week everytime I call I get a different agent and mind u a wait hold of just about a hour all I am trying to do is get options so I can get back on track I have been making my house payments since forbearance had ended XX/XX/XXXX I started making my payments I have been living in my home I can afford my house payment I have summited 3 different application ( loss mitigation ) and when I call to find out the status I get told something different why am I being treated like this all I want is payment options for the missed payments do to Covid ( forbearance ) its so frustrating and its affecting my daily life why I am getting pushed around and missed treated! Help me solve this so I can be back on track

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

State: MN

Zip: 553XX

Submitted Via: Web

Date Sent: 2021-12-17

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4958424

Date Received: 2021-11-30

Issue: Closing on a mortgage

Subissue:

Consumer Complaint: I had a previous HELOC with U.S. Bank since 2018 in good standing. This year I decided to increase my line of credit and submit my application again with U.S. Bank. I did not know that by this application, my previous HELOC will be closed and a new one will be open. As a consumer, I thought this will be same as when you request to increase your credit limit on a credit card. During the process no one from U.S Bank ( online staff and branch staff ) explained to me that this process will close the existing HELOC. Now they have applied the Early Closure Fee of {$500.00}

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

State: CA

Zip: 91331

Submitted Via: Web

Date Sent: 2021-11-30

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4957637

Date Received: 2021-11-29

Issue: Managing an account

Subissue: Banking errors

Consumer Complaint: On XX/XX/XXXX at approximately XXXX pm XXXX XXXX logged into my accounts online at US Bank and noticed my checking account had a {$1500.00} withdrawal from a branch in Minnesota. I live in Illinois and was logged in from XXXX I called the bank and they immediately flagged this as fraud and froze my account. They notified me that this was done at a teller at the branch. I reported things properly, filled out their forms, emailed them and hard-copy was mailed. I have asked for my money back- which was given fraudulently and negligently by THEIR employee. Their fraud liaison dept removed my now closed account from my online viewing so I have no ability to look at anything historical on my account- without asking them for statements. I've been a clients for XXXX or more years. To get my money back BEFORE they finish their investigations and protocols, I have to ask my branch manager here in XXXX, IL for a " provisional credit. '' I called first thing this morning spoke to a rep at the branch and left a voicemail for the manager. He never called me.

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

State: IL

Zip: 60102

Submitted Via: Web

Date Sent: 2021-11-29

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 4957371

Date Received: 2021-11-29

Issue: Problem with customer service

Subissue:

Consumer Complaint: On XX/XX/XXXX my fiance and I tried to cash our security deposit that was issued through US Bank and was denied because I asked too many questions. We started in the drive thru and after being asked for our ss # because our IDS wasn't enough decided to go inside. Once inside we were greeted by the branch manager XXXX XXXX and asked this time for our employers, whether ft or pt as well as the type of work. With have never been asked these personal questions, I was hesitant but did what she asked. I still processed to ask questions which made her no long want to cash our check. Us Bank located at XXXX XXXX XXXX XXXX XXXX wi XXXX

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

State: WI

Zip: 54952

Submitted Via: Web

Date Sent: 2021-11-29

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.