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: 3811360

Date Received: 2020-08-24

Issue: Other features, terms, or problems

Subissue: Problem with balance transfer

Consumer Complaint: I received an offer for zero percent APR from XXXX XXXX XXXX XXXX Mastercard on balance transfers. I applied for the card, the balance was transferred, and I set up autopay. When I reviewed the bill I noticed that they had been charging me interest. I called and explained the situation, but they said I failed to apply a code and their was nothing they could do. They stated I would need to submit the original offer which I no longer have in order for the zero percent interest on balance transfers to apply.

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

State: MD

Zip: 212XX

Submitted Via: Web

Date Sent: 2020-08-24

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3811358

Date Received: 2020-08-24

Issue: Problem getting a card or closing an account

Subissue: Trouble getting, activating, or registering a card

Consumer Complaint: I have been receiving child support payments since XXXX of XXXX. ReliaCard from US bank has been refusing to assist me. I called several times over the year of XXXX trying to figure out where the child support payments have been going with no help from customer service reliacard. Every time they said I didnt have an account but I do, I just found out today that I do have another account and the rep told me that I had a balance but then put me on hold and cane back saying her supervisor said she can not help me any further. After giving me the wrong number, I feel there may be inequities with the ReliaCard system because Ive been on hold now for nearly 2 hours and money held for going on a year. That is highly highly unacceptable.

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

State: MN

Zip: 55448

Submitted Via: Web

Date Sent: 2020-08-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3811343

Date Received: 2020-08-24

Issue: Problem getting a card or closing an account

Subissue: Trouble getting, activating, or registering a card

Consumer Complaint: The US Bank Reliacard website for XXXX in Pennsylvania states my Reliacard was mailed on XX/XX/2020. I never received my card! I called the US Bank Reliacard number to request a replacement card in XXXX and again in XXXX. STILL NO CARD! The first customer service representative I spoke with was a gentleman and he verified all of my information and said he would have another card mailed ASAP ... .Nope not yet. The second phone call I spoke to a woman and she said the gentleman never had another card issued and yet again I confirmed all of my information and she said she will request another card. Well, it is now XX/XX/2020 ... .I STILL HAVEN'T RECEIVED A CARD!!! My funds were loaded to the first card ... US Bank Relicard customer service cancelled that card when i called in XXXX ... .I just never received it .... Please Help!

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

State: PA

Zip: 17112

Submitted Via: Web

Date Sent: 2020-08-24

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3811324

Date Received: 2020-08-24

Issue: Problem getting a card or closing an account

Subissue: Trouble getting a working replacement card

Consumer Complaint: They made my account inactive due to a dispute. I clearly made, well no alert no nothing just declined my XXXX out of no where. I call constantly was even asked to fax documents for over a week i sent them no word.. then I finally get thru on the call center they finally received my faxes after they even wanted me to send a format jpg thru a fax which made no sense my proof were all copied and faxed they finally approved it have verification its me and still no n time date stamp of when this may be fixed just a well we will get back to you or I can call. Why i have an available balance of just about XXXX .. if they can't reinstatement account clearly noone can communicate they hang up on you after waiting hours for an answer why not just send me a check of my final end balance my card should have never even been shut down let alone dealing with all this.

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

State: PA

Zip: 18505

Submitted Via: Web

Date Sent: 2020-08-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3809316

Date Received: 2020-08-23

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: I contacted US Bank about incorrect reporting of balance information through all three credit agencies. US bank claims to have charged off the account but they still collected interest for months after the account was charged off. It reports via all three credit agencies that the balance is {$3300.00} when the charged off amount was {$2800.00}. By law they can not continue to collect interest on a charged off account without disclosing that information to me which has not been done. Section 1692g ( a ) ( 1 ) of the FDCPA states that debt collectors must state " amount due '' when communicating. In addtion, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX the court also addressed how debt collectors must communicate interest accrual to debtors. Neither of these have happened. When I submitted a dispute with each of the credit bureaus, I recieved notifications that nothing would be changed and the information is correct. I have proof via XXXX that the amount charged off and the amount US Bank claims I owe differ.

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

State: AL

Zip: 366XX

Submitted Via: Web

Date Sent: 2020-08-23

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3809102

Date Received: 2020-08-22

Issue: Unexpected or other fees

Subissue:

Consumer Complaint: I purchased a {$100.00} U.S. Bank Visa gift card at the XXXX XXXX XXXX, Virginia location on XX/XX/2020 and tried to use it about a month and a half ago only to find out it was drained ( fraudulently used ) .. I contacted U.S. Bank 's customer service at the same time and they told me a representative would call me to gather information. The representative called me and informed me that a letter would be mailed out to me to fill out and send back to them. The letter arrive a month ago, I filled it out the same day and sent it back. It's now a month later and NO replacement card has been shipped to me ... I contact U.S. bank via calling, social media, etc to no avail..

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

State: VA

Zip: 20147

Submitted Via: Web

Date Sent: 2020-08-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3808947

Date Received: 2020-08-22

Issue: Problem when making payments

Subissue: Problem during payment process

Consumer Complaint: THIS IS A COPY OF THE COMPLAINT I FILED WITH ELAN FINANCIAL SERVICES : This is a complaint : I first began using my card in XXXX I set up autopay to pay off my card for the first time onXX/XX/2020 for the balance due THE COMPLAINT : Fidelity user interface is OPAQUE! I had no idea there was a past balance due because the Fidelity user interface does not provide enough statement information, such as prior balance. It just shows the balance. I unknowingly believed I was paying the full amount on time. I received a past due amount notice and I called Elan Financial services three times to resolve problems. 1. Confirmed I would not be charged a late fee and confirmed my credit report would not be listed as paid late. 2. I immediately canceled the scheduled payment and entered a pay today payment XX/XX/20 for the full amount. 3. subsequently, my credit card was frozen, unbeknownst to me, and a bill I wanted to pay was rejected after I cleared up the payment problem with Elan Financial Services . The Fidelity User interface is extremely poor. So bad, that in fact I'm considering canceling this account completely. Elan Customer Service is good ; Fidelity Credit Card User interface is user unfriendly and lacks transparency that I thought was required by law on credit card billing web interface. No other solution than " this needs to be changed '' is acceptable. The Fidelity user interface MUST clearly show past amount due, or late balance. I will be filing an online complaint with the Consumer Financial Protection Bureau regarding this matter. You may contact me directly at XXXX for further consideration regarding this complaint. Sincerely, XXXX XXXX

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

State: AZ

Zip: 85044

Submitted Via: Web

Date Sent: 2020-08-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3808938

Date Received: 2020-08-22

Issue: Problem with a purchase or transfer

Subissue: Charged for a purchase or transfer you did not make with the card

Consumer Complaint: I opened a prepaid card I received several months ago as a gift for the first time ( personally removed the seal and removed from package ) and logged in to check the balance for the first time on XX/XX/2020. I then discovered that the card had been drained with a series of small transactions happening sequentially with one second intervals on XXXX in late XX/XX/2020. The card was issued by US Bank and I was instructed on the back of the card to log into mygiftcardsite.com to check the balance. The site claims that there is a 24 hour service center, but attempts to call simply get cut off instead of transferred to a customer service representative. The links on the website for assistance load blank PDFs. I can not speak to someone to report the theft and initiate an investigation despite assurances online that there is a 24 hour service center.

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

State: NY

Zip: 11375

Submitted Via: Web

Date Sent: 2020-08-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3808937

Date Received: 2020-08-22

Issue: Applying for a mortgage or refinancing an existing mortgage

Subissue:

Consumer Complaint: My mortgage loan application ( refinance from a reverse mortgage ) was canceled by XXXX XXXX ( ML Processor ) at US Bank in XXXX, KY after a XXXX XXXX month proces on XXXX XX/XX/XXXX. Her boss is XXXX XXXX. There were several reasons given. Once being I refused to give them access to my Reverse Mortgage history. That is completely inaccurate, as a reverse mortgage does not by law have to report to any credit agency because there is no payment history. Second reason given was the debit to income ratio was too high. I have been furloughed from my job as a school crossing guard due to COVID 19 since XX/XX/XXXX. I have received unemployment since then. They stated that income can't be used. Both of these mortgage processors knew that from the beginning and yet they put me through 2 1/2 months of delays. My complaint is the {$390.00} application fee has never been refunded. I spoke to a XXXX XXXX ( supervisor ) on XXXX XX/XX/XXXX at the XXXX, KY location and was advised she would contact the sales dept. After several emails to various loan processors, I have not received a refund. This was a long and arduous process which I ended up explaining to all how a Reverse Mortgage works.

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

State: OH

Zip: 44145

Submitted Via: Web

Date Sent: 2020-08-22

Company Response to Consumer: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 3807949

Date Received: 2020-08-21

Issue: Incorrect information on your report

Subissue: Account information incorrect

Consumer Complaint: Dear CFPB, I recently started using a Fidelity Visa ELAN card that I have had since XX/XX/XXXX as it offered more points. I did not realize the limit was low ( {$7500.00} ) as compared to my other cards. I had XXXX XXXX and XXXX charges applied. On XX/XX/XXXX I was notified by XXXX that there was a change on my credit score-my CREDIT SCORE dropped form XXXX to XXXX ... .72 points!! I then became aware of the limit and paid the entire balance ( which was not yet due ) by Fidelity bill pay on XX/XX/XXXX which was processed on XX/XX/XXXX. I have contacted Elan and been on the phone for hours. There is NO concern for this outcome and apparently they will not notify the Credit Bureaus until XXXX of the zero balance. I have no information how long it will take to regain my credit -- -- I was considering a new home this fall and now have to postpone as I don't know how a XXXX score would affect a mortgage. WARNINGS TO OTHERS : 1. I have numerous Fidelity accounts and history but they do not have ANY ability to assist with problems with ELAN- you are on your OWN! 2. ELAN customer service explanations were uncaring and vague- no advise. QUESTIONS : 1. How long will it take now for my credit score to return to XXXX? 2. How does it affect your credit score to discontinue the ELAN credit card? Are you better off leaving it at XXXX unused until ELAN discontinues it? Thanks CFPB for your assistance in advance. I read so many bad reviews for ELAN on XXXX and XXXX XXXX that I see I am not alone ... ..

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

State: FL

Zip: 34135

Submitted Via: Web

Date Sent: 2020-08-21

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.