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: 8414482

Date Received: 2024-02-24

Issue: Managing an account

Subissue: Problem with fees or penalties

Consumer Complaint: My interaction with the financial institution 's banker ( via call center ) was over the telephone. I asked the financial institution how to stop the upcoming auto renewal of my upcoming XXXX {$5000.00} CD maturity that is accruing interest at 0.05 % per annum and that enters the renewal period on XXXX XX/XX/XXXX with a XXXX grace period. I forgot to cancel the auto-renewal on XXXX XX/XX/XXXX during the grace period. My promotional rate was 4.50 % and I earned ~ {$97.00} of accrued interest. Thus, the {$5000.00} CD plus the accrued interest of {$97.00} equaled the new balance of {$5000.00}. At the time of opening the original CD, I understood that the CD would renew at the then " current market rate ''. However, I had no clue or suspicion that the then current market rate would be as low as 0.05 % per annum - considering competitive market place and current rates of interest being offered by other financial institutions. The disclosures were inadequate, ill-placed, and not numerically informative. I stated that I would be traveling out of the country during the entire renewal period and I requested that it not renew. The online banker told me to set a reminder as there is no way to cancel the auto renewal until maturity and throughout the grace period. I then asked what the early withdrawal penalty would be based an early withdrawal of XXXX XXXX. XXXX. I asked what it would be on XXXX XX/XX/XXXX since I would still be in the country. I was told that the penalty could not be computed more than 30 days out. After I stated that would have been good information to have had, I asked to assume that the cancellation would today, XXXX XX/XX/XXXX. He computed that the early withdrawal period would be ~ {$74.00}.

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

State: MN

Zip: 563XX

Submitted Via: Web

Date Sent: 2024-02-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8412482

Date Received: 2024-02-25

Issue: Trouble using the card

Subissue: Trouble using the card to spend money in a store or online

Consumer Complaint: Company would not let me use my government issued ID from the VA to unlock my account they said that they had a fraudulent charge on my account so they locked it which I did not have a fraudulent charge and they will not let me open my account they will not let me transfer it they will not let me close it to touch my money I have already lost my house and my vehicle because of this and I still can't touch my money I have an appointment for the DMV to be able to get a state issued ID but that's not till XXXX I need my money

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

State: TX

Zip: 76504

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: 8407914

Date Received: 2024-02-24

Issue: Trouble using the card

Subissue: Trouble using the card to pay a bill

Consumer Complaint: XXXX tried to make withdrawal at my bank XXXX XXXX XXXX = denied multiple times. Called several times and spoke to representatives. Was told by US Bank ReliaCard representative that my bank withdrew the funds, then put them back! Absolutely false, My band was denied several times! Was told that the monies could be transferred Friday XXXX XXXX XXXX XXXX XXXX XXXX XXXX Went to bank, Denied, spent over 3 hours on phone with US bank ReliaCard representatives XXXX XXXX XXXX XXXX XXXX I was hung up on twice, then was told that no such transfer was possible? After several attempts, was able to withdraw {$1500.00}. Can not touch again till Monday as there is a 24 hour limit. My bank is not open on XXXX. I have been denied over 23 times for funds when the US bank ReliaCard representative states funds are available.

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

State: WA

Zip: 990XX

Submitted Via: Web

Date Sent: 2024-02-24

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8407669

Date Received: 2024-02-24

Issue: Trouble using your card

Subissue: Can't use card to make purchases

Consumer Complaint: I opened a US bank account a few months back. US Bank 's tech team believes there have been some fraudulent transactions and closed the account and deactivated online banking without any communication or my consent ( I have not made any fraudulent transactions ). It took me numerous calls, multiple visits to the bank for 2-3 months to get our hard-earned money that was blocked in the US Bank account. I recently opened a US Bank credit card. They approved it, but once I received the card, I realized that I am unable to login to my online banking ( as they previously deactivated it ) or create new login credentials. I called their tech support and they are saying that I should get access to online banking, but they are unable to resolve the issue and give me internet banking access. Now I am left with a credit card without access to Internet banking and it is becoming difficult to maintain the card. Appreciate your help in getting my online banking access. It would have been fine if they would not have approved my credit card in the first place. But approving it, hitting my credit report and not giving me online banking is not fair.

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

State: WA

Zip: 98006

Submitted Via: Web

Date Sent: 2024-02-24

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8406575

Date Received: 2024-02-24

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

Subissue: Transaction was not authorized

Consumer Complaint: I wrote four checks to tax authorities for my property tax and they were subsequently intercepted, the payees altered, and deposited at U.S. Bank National Association. The checks cleared my account and were deposited at U.S. Bank not the tax authority. The checks were written on my account at XXXX XXXX I did not look at the returned copy of the checks until six months later when i received a delinquent tax notice, past the time of thirty days that XXXXXXXX XXXX requires for unauthorized transactions. Even though XXXX security issued four fraudulent item affidavit statements, they stated they are not liable to reimburse me the funds. When I received the delinquent tax notice, I immediately contacted XXXX. I don't normally look at every check copy and assumed that either U.S. Bank or XXXXXXXX XXXX both had a duty to see that every check is correct and secure. I simply did not expect that fraud would occur. The check # XXXX, & XXXX for {$1200.00}, {$1900.00}, {$2700.00}, & {$2300.00}. XXXX XXXX responded to CFPB, but nothing from U.S. Bank. Should not these Banks have to negotiate, and make me whole in spite of the thirty day requirement? The checks were all issued on XX/XX/23. and all paid on XX/XX/23. The four checks were verified fraudulent by XXXX, because they were clearly altered. I had to pay twice out of pocket these funds to the tax authority. XXXX stated in the response to CFPB that in the future if U.S. Bank forwards any funds to XXXX, they will be credited to my account. Which makes this complaint about U.S, Bank also. I do not know if there has been any negotiation between these two parties, and do not know if the fraudster has been apprehended. Thank You.

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

State: CO

Zip: 802XX

Submitted Via: Web

Date Sent: 2024-02-24

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8403256

Date Received: 2024-02-22

Issue: Managing an account

Subissue: Problem accessing account

Consumer Complaint: I have been US Bank customer for more than 15 years. They abruptly made my online and mobile app inaccessible. They closed the account without giving me any notice. When I called them to re-establish access to my account, they transferred me to three different departments but did not give me any relevant information. All they said was a letter will be sent with information on the account and a cashier 's check for the remaining balance. I have a sizeable balance and getting a letter and a check in the mail is not the most secure way to handle funds.

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

State: NJ

Zip: 07407

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8401410

Date Received: 2024-02-22

Issue: Trouble using the card

Subissue: Problem with direct deposit

Consumer Complaint: On are about XX/XX/XXXX I was hired through XXXX, I filled in all paperwork and signed up for payroll direct deposit with US BANK XXXX. I worked 3 weeks never received my XXXX XXXX with my pay on it. I called the US BANK and they told me it was mailed out to my address on are around XX/XX/XXXX. I told the bank clerk on the phone it didnt come by XXXX clerk said card was mailed out by XXXX with no tracking number. I told clerk i never received it bank clerk said I need to fax DL and SSA card which I did. I reached out to HR at XXXX and I told them I havent been paid HR said they would look into it I continued traveling to work in XXXXXXXX XXXX XXXX I still hadnt received my card I had run out of gas money so after working almost 3 weeks with no pay I went to XXXX XXXX in XXXX where I was hired on at. I walked in the office and told the supervisor that I could no longer work because I hadnt been paid, meanwhile this caused me financial hardship my car was being repossessed if i didnt get my pay my creditors were harassing me etc. I called US BANK again and they said I would have to pay to have the card expedited to me like {$20.00} I told clerk I didnt have any money clerk said they would deduct from my balance I agreed and the card was expedited to my address I had finally received my pay after three weeks. Ok so now again here i am going through the same thing again with the same bank card. I was working for contractors so since I have US Bank card I used it for my current employer to deposit my payroll. Im waiting for my pay to post on Friday XX/XX/XXXX there was no direct deposit so i called the Bank on XX/XX/XXXX and they said no deposit was showing and instructed me to call back on XX/XX/XXXX which I did and US Bank told me I would have to upload my DL and XXXX card to the online bank portal for verification which I did upload my identification. mind you I called my employer on are around XXXXand they told me my pay was deposited on XXXX my employer sent me an email with a copy of the deposit slip verifying the deposit on XX/XX/XXXX. I called the bank on XX/XX/XXXX to inquire had they received my documentation bank clerk said it would take a couple days for document to show I inquired had they received a payroll deposit bank clerk said yes its pending on verification of my ID mind you the bank clerk didnt tell me that they had returned my deposit to my employer, I mean why have me send in verification and bank returned my payroll deposit to my employer. I called my employer they said it was returned and they would resubmit it. ok so i call the bank on XX/XX/XXXX morning time and bank said call back within an hour and that there was a pending payroll deposit and once they verify my documents they would lift the block. I waited a couple hours and still nothing showing on my account. I call the US Bank again and inquired when they would release my deposit bank said it wasnt released as of today I told the bank clerk that I was tired of them putting me through this and clerk hung up the phone. This is ridiculous. Mind you this isnt the only incident my other contractor deposited my payroll on the same card and I received it.

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

State: SC

Zip: 29611

Submitted Via: Web

Date Sent: 2024-02-27

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8400099

Date Received: 2024-02-22

Issue: Managing an account

Subissue: Funds not handled or disbursed as instructed

Consumer Complaint: On Friday, XX/XX/XXXX, I went to deposit a check received in the mail for payment for a purchase of a car I was selling. My bank is US Bank, XXXX XXXX XXXX XXXX, XXXX XXXX, KS XXXX, XXXX. I asked the teller on duty if the check looked legitimate. He said it did and he took it to his supervisor to confirm the appearance and they said it looked good. I asked him when the deposit would be available in my account and he said sometimes it may take XXXX or 5 days, otherwise it would be available on Monday ( the XXXX ). On Monday I checked online and the check deposit was approved and was included in the available balance. The bank has electronic time stamps in their records that provide evidence of this. The branch manager also verified this personally later when I was in her office and she looked into my checking account. So, knowing that the check was approved, I issued money orders from my checking account to pay for delivery of the vehicle to the buyer. This transaction also has electronic time stamps in their records that provide evidence that this occurred after the check deposit was approved. The banks security procedures should not have approved the check so quickly since they returned it later. But since they did, it has caused extreme financial difficulty for me with the potential loss of {$3000.00} and the closing of my checking a savings accounts. The branch manager has initiated a dispute of the {$3000.00} payment transaction due to failed bank fraud prevention procedures.

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

State: KS

Zip: 66215

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with non-monetary relief

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8400098

Date Received: 2024-02-22

Issue: Advertising and marketing, including promotional offers

Subissue: Didn't receive advertised or promotional terms

Consumer Complaint: We had decided to open the card as we already have financed a car through US Bank. The rep I spoke with on the phone was very nice but very salesy and vague. She said everything I wanted to hear. After several weeks we did not receive the card yet and was told balance transfers can take weeks if not months. Months?! We live during a time I can buy stocks through my phone what do you mean? The card had to be cancelled and resent. The woman I spoke to agreed that the sales/closer team does talk a big talk to close the deal especially on clients they know have a high income like myself. I dont appreciate being swindled. I was doing the balance transfer with US bank because of an attractive offer and no other reason. We are now eating into months of the offer which means its really 4 months not 6 until I am hit with a penalty.

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

State: FL

Zip: 334XX

Submitted Via: Web

Date Sent: 2024-02-22

Company Response to Consumer: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A


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Complaint ID: 8400097

Date Received: 2024-02-22

Issue: Fraud or scam

Subissue:

Consumer Complaint: In the end of XXXX, my home button down in XXXX it was supposed to been rebuilt and wasnt the contract. I hired received XXXX checks in my name and XXXX XXXX name and he signed the checks in cash to meet US Bank on XXXX in XXXX Washington When I tried to file after full after I contacted the police and they had an attorney and they all failed me. I also wrote the attorney general. He also only said well sounds like a faulty contactor. I try to file a complaint with US Bank for cashing checks to somebody not mention on the check and without verifying funds from me or my bank I got thrown out by the manager of the bank on XXXX in XXXX Washington, and was threatened with the police and told that this person ever had a bank account with us and that was that thats when I contacted you guys and then I lost track of my complain because I was a XXXX mother from XXXX with XXXX kids now became homeless and then lost my mind had to go to crazy house, and when I got better, I really filed for fraud and they told me my insurance company has a file the claim my insurance company filed for a complain and was told statue limitation was expired on the check and thats when I contacted you guys and Im trying again that Im better and I can hopefully get this resolved

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

State: WA

Zip: XXXXX

Submitted Via: Web

Date Sent: 2024-02-22

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.