U.S. BANCORP
Consumer Complaints
There are over 18695 complaints on file for U.S. BANCORP. Dated between 2019-12-11 and 2011-12-01.
Complaints Page 16
2019-10-13
Phoenix, AZ
Managing an account
Checking or savings account: Checking account
Problem accessing account
Complaint: On XX/XX/2018 I set up a automatic transfer of $ XXXX. from my savings account to my checking account. I have direct deposit for a service-connected XXXX. I gave my debit card to a friend to pay bills and send me money while I was XXXX. I also gave him my laptop for safe-keeping.
In XX/XX/2018, after not hearing from my friend and sensing something amiss, I wrote at least two letters to my US Bank branch , which it neither replied nor have any record of. On XX/XX/2018, in addition to the auto-transfer of {$500.00}, another {$360.00} was also transferred. This transfer could only be happen with access to the Online Banking which I never gave my friend permission. The only access with the laptop.
On XX/XX/2018, US Bank tells me it found fraud on the account. Instead of contacting the account holder ( me ) of the fraud, US Bank disabled only the Online Banking but left access to transfer funds at any ATM. The account was finally completely blocked after someone requested 6 new debit cards in two weeks. While the new debit cards triggered letters and red flags to my account messaging, there are no messages or red flags around the date of XX/XX/2018.
During fourteen months, I received {$14000.00} of VA Disability. Less {$7000.00} for auto-transfer and {$410.00} remaining in the account, leaving a loss of {$6800.00}. I feel US Bank acted negligently when receiving concerns by me in XX/XX/2018, the bank did not reply. A second incident occurred on XXXX XXXX, 2018, in that the bank discovering fraud on the account, merely disabled Online Banking, and therefore, exposing the account to further fraud. There appears to be very little information available from US Bank.
At one point, the friend went into Online Banking and changed the phone number and the email address, yet there was no notification of that change was provided at the time. Had US Bank acted in the best interests of the account holder, the bank would have blocked all debits until it heard from the account holder.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-13
Clarksville, MO
Problem caused by your funds being low
Checking or savings account: Checking account
Overdrafts and overdraft fees
Complaint: i got a call from CRC XXXX and gave me a number and reference XXXX, DDA XXXX, file XXXX stating that i did not close a checking account so they kept charging me overdrafts instead of cloing the account. they are suing/civil me for a default on the account not being closed and they are going to arrest me and then garnish my wages. there should be no default, i never borrowed any money from the bank it was used to deposit child support and alimony checks only. i need help because this account is from XXXX/XXXX/2006 how can this account even be in collections and it does not show on my credit report either? sincerely XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Beyersville, TX
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: Good morning, I received a credit card from US bank that I never applied for, I worried about somebody have access to name, account number, address, Social Security number.
Thanks,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Bay Point, CA
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Chicago, IL
Problem with a purchase shown on your statement
Credit card or prepaid card: General-purpose credit card or charge card
Credit card company isn't resolving a dispute about a purchase on your statement
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Applying for a mortgage or refinancing an existing mortgage
Mortgage: Conventional home mortgage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-10-11
Managing an account
Checking or savings account: Other banking product or service
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Clarksville, MO
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: I recently tried to log into my US Bank account and apparently the password was incorrect. As I tried to login a few times my account was locked. When I hit the reset password link, it required me to put in the last 4 of my social. It then moved to another page and asked me to enter my pin number in order to unlock the account. I don't share my pin with anyone because no one should, and I work in an XXXX XXXX related field so i know how foolish that request is. When I called US Bank to get my account unlocked, I provided my full social, date of birth, mother 's maiden name and my full name. They then also asked for my pin. I told them that's information I don't share with anyone, and I had given all qualifying information that should be necessary to unlock the account. I asked if there was any other info I could give them to unlock and they said I would have to go to a branch and give them my pin to unlock the account. I told them if I went to the branch I would be closing my account because their processes are opening the door for fraud to take place. In short, they would not allow me to access my account unless I provided my pin number either on a website, over the phone, or in person.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
WI
Trouble during payment process
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: On XX/XX/XXXX I applied for a refi on my home. Wanted to combine the 1st mortgage and the line of credit into 1 mortgage, thereby lowering the monthly payment. Sometime in early XXXX the loan was approved and we closed on XX/XX/XXXX, with the 3 day rescission disbursal occurred on XX/XX/XXXX. The 1st mortgage balance was XXXX thru XXXX XXXX + XXXX for the line of credit thru US Bank. My new mortgage is XXXX, with some extra money for a new roof. Somewhere around XX/XX/XXXX I started getting phone calls from US Bank about the line of credit payment not being made. Spoke with XXXX XXXX, the mortgage loan originator, and he said it will be taken care of. The calls & letters continued, XXXX kept saying it will be taken care of. Now, the lack of payments is being reported to the credit bureau, thereby affecting my credit score. Late XXXX XXXX told me it was out of his hands, and I should contact the bank manager, XXXX XXXX.
Several phone calls, have never been returned. Spoke with the mortgage collection department, they don't know what to do to help me. Sometime in the last few days the balance has been paid, but it still has affected my credit score. I would like a letter sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-10-11
Chula Vista, CA
Problem with a credit reporting company's investigation into an existing problem
Credit reporting, credit repair services, or other personal consumer reports: Credit reporting
Their investigation did not fix an error on your report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
City Ranch, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Colo Spgs, CO
Opening an account
Checking or savings account: Other banking product or service
Didn't receive terms that were advertised
Complaint: Opened up a checking account with US bank online..at the time they offered a promo that if you had direct deposit within 60 days there would be a {$300.00} deposit into the account.This promo code was attached to my account upon completion of beIng opened..I called customer service to get more info and was told I had to go to my local branch.I went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX Co XXXX and sat down and spoke with a rep..I was told that she had to do more research and would give me a call to let me know the status..I never received the call.I called again numerous times no answer.Finally was able to get someone to answer at XXXX and once again was told I would be contacted by the individual who promised the first call back..I need a rep to contact me and let me know whats going on with this
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Phoenix, AZ
Closing an account
Checking or savings account: Checking account
Funds not received from closed account
Complaint: On XX/XX/XXXX US bank I called because I could use my account the forward my call to someone name XXXX saying that on the notes it say to forward the calls of that account to her she told me I had to wait that they where going to call me back.Never got a call back On XX/XX/XXXX I called left couple of msg she didnt answer or called back called the branch they say they could help me On XX/XX/XXXX I called left a voicemail to XXXX she return my called she just say that the branch decided to closed my account to wait 30 day after my account is closed for them to mail out a check with the amount On XX/XX/XXXX received a letter that the account was being closed.
On XX/XX/XXXX I called the branch say the account closed on XX/XX/XXXX that to give 1 to 2 weeks to receive the check.
Its been already more than a month and now they just forward my calls to one and to another person and its getting stressful that I havent receive no check.
On XX/XX/XXXX called customer service a person with the name XXXX told me that a check with the amount of XXXX had to be mailed already And havent hear nothing or received nothing and I just fell US bank is not helping me
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-11
Elkhorn, NE
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
Hayward, CA
Problem with a lender or other company charging your account
Checking or savings account: Checking account
Transaction was not authorized
Complaint: U.S. Bank has a written policy that the only person whose name is on the bank signature card can access those funds with proper identification. My concern is that although I sent Consumer Financial Protection Bureau ( CFPB ) a complete outline of the specific issues of my complaint your office did not respond to my correspondence but allowed U.S Bank to investigate themselves and respond to my complaint, as it seems that you did not review the facts of my case.
I know that the Consumer Financial Protection Bureau ( CFPB ) is under attack in funding by the Trump Administration as I have also been trying to bring this issue to XXXX XXXX that I understand was the author of this federal agency wherein we are working to contact her office and other state and local agencies in California.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
Rockford, IL
Other service problem
Money transfer, virtual currency, or money service: Domestic (US) money transfer
Complaint: I made an APPOINTMENT at US Bank, XXXX XXXX XXXX XXXX XXXX, Il XXXX, with branch XXXX XXXX XXXX for XXXX pm on XXXX. I was there to obtain a medallion signature guarantee and fax surrender documents on a variable annuity. I arrived at the bank on time and sat down at XXXX XXXX 's desk. I at once explained the purpose of my appointment and displayed the documents that I was told to bring when I made the appointment ; the proof of ownership and the surrender documents.. I explained that I needed to obtain the signature guarantee and have the documents faxed BEFORE XXXX pm as the market closes at that time. I wanted the surrender to be received and executed on that day of business ; XXXX.
XXXX XXXX began a lengthy dialogue covering many topics and did not seem to grasp the urgency of the situation. At XXXX pm he told me that I did not bring all needed documents to complete the process. Now, somewhat in a panic, I told XXXX XXXX that I could run back to my house, retrieve the required form. and be back in XXXX minutes, He assured me that he would wait for me and when I returned, we would complete the process.
I arrived back at the bank at XXXX pm and to my astonishment, XXXX XXXX had another customer in his office. At that time, the bank had 2 tellers and another banker available and very few customers. I believe that the other employees could have assisted that customer.
I was finally able to again sit down with XXXX XXXX and completed the medallion signature process at XXXX pm. The documents were faxed at XXXX pm. My surrender was therefore executed on XXXX instead of XXXX. The annuity was a variable instrument and followed the stock market. The stock market decreased dramatically on XXXX and therefore my account value decreased from {$170000.00} down to {$170.00}, XXXX ; a decrease of {$1200.00}. All of the documents that I had prepared were filled out correctly and the surrender was executed.
I feel that I have lost {$1200.00} directly due to XXXX XXXX 's, actions. When I initially sat down with XXXX XXXX, I immediately communicated to XXXX XXXX the time frame that I was working under and the documents that I brought with me. He did not tell me at that point that I needed another document. This was a set, confirmed appointment, not a walk-in, chance meeting. The appointment had not been completed and I should have been able to return to the bank and see XXXX XXXX without interruption..
I have since communicated with XXXX XXXX and also his retail district XXXX, XXXX XXXX XXXX. They take no responsibility for my loss and actually believe any fault lies with me for not bringing the document that was required.
I am a retired XXXX Bank employee and customer. I strongly believe that XXXX Bank owes me {$1200.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
Santa Ysabel, CA
Opening an account
Checking or savings account: Checking account
Unable to open an account
Complaint: I walked into the US Bank Branch located at XXXX XXXX XXXX XXXX XXXX CA XXXX and requested to open a checking account. The banking representative was a XXXX female named XXXX. I am XXXX XXXX and XXXX stated, " We typically do not allow XXXX to open checking accounts at US Bank. '' I couldn't believe what I was hearing from this woman! My family and I immediately walked out of this banking location. We were being discriminated against because we are XXXX!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
Sanford, FL
Managing an account
Checking or savings account: Other banking product or service
Funds not handled or disbursed as instructed
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
IL
Closing on a mortgage
Mortgage: Home equity loan or line of credit (HELOC)
Complaint: I am approved for a home equity loan in the amount of {$15000.00} with US Bank. We have the closing on the XXXX and received the closing disclosure this morning ( XX/XX/2019 ) - where I noticed that it states the " disbursement date '' is XX/XX/2019. I inquired about that and US Bank stated that is due to the TILA right to rescind. I promptly stated that I wish to waive my right to rescind because the funds are needed for an emergency to pay for a roof replacement on the home. US Bank responded back stating that they can not waive the right to rescind, it's bank policy. Which I then provided the link to the CFPB 's website stating that as a consumer, I have the right to waive the opportunity to rescind and ask that funds be made available immediately. They again refused. Therefore, I'm submitting a complaint that US Bank is not allowing customers to waive the right to rescind for a home equity loan in an emergency situation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with non-monetary relief
2019-10-10
Santa Rosa, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
E Massapequa, NY
Written notification about debt
Debt collection: Mortgage debt
Didn't receive enough information to verify debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
Lubbock, TX
Problems at the end of the loan or lease
Vehicle loan or lease: Loan
Problem while selling or giving up the vehicle
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-10
San Gabriel, CA
Other features, terms, or problems
Credit card or prepaid card: General-purpose credit card or charge card
Problem with rewards from credit card
Complaint: On XX/XX/2019 I redeemed 7250 points for three gift cards through US Bank FlexPerks Rewards Program. I received an order id number and confirmation e-mail from US Bank of my transaction. The XXXX Id XXXX. I never received the gift cards and I contacted US Bank Reward Card Services approximately 3 weeks later to find out the status of the gift cards. I was advised by the customer service rep that the cards were sent out. She also informed that she would start an investigation as to why I did not receive the cards. I then received a letter from Cardmember Services dated XX/XX/2019 that stated that US Bank would not reissue the cards, because the credit card account was closed.
As I am a long time account holder with US Bank, and I frequent the branch on a regular basis, I went to the local branch on XX/XX/2019 and asked employee XXXX XXXX to look into the matter for me. She made calls to the Reward department and was advised by supervisor that they were unable to issue the cards because it was 30 days since the account was closed.
She advised them that when the order was made the points were in the account and eligible for redemption and that the cards should be re-issued. The employee at the Reward Center refused. The branch employee also stated that she has encountered similar problems with the Reward Center in the past.
Today, XX/XX/2019 I called the Reward center directly and spoke to supervisor XXXX and he also refused to issue the gift cards.
It is unfair of US Bank reward department to refuse to issue the gift cards that I am entitled to. I earned the points using their credit card, and redeemed the points that were available to me in my active credit card account on XX/XX/2019. I subsequently closed the credit card account some time after I redeemed the points because I did not want to continue to pay the high annual fee on the credit card.. The points were available to me and the gift cards should be re-issued.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-09
Russell, IA
Getting a credit card
Credit card or prepaid card: General-purpose credit card or charge card
Sent card you never applied for
Complaint: This credit card was sent to me without me applying for it while I was unemployed. Now I am unemployed again and not receiving unemployment so I dont believe I should have to pay for it since it was illegally taken out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation
2019-10-09
San Gabriel, CA
Managing an account
Checking or savings account: Checking account
Deposits and withdrawals
Complaint: hello, we had a business checking account with US bank. Back on XX/XX/2018, we found out that 5 of our checks had been stolen from the post office and were altered and cashed/deposited in someone elses name, other than the intended party. The amount totaled {$22000.00}. We contacted US bank to let them know and ask why they had approved these checks to be paid out to XXXX XXXX XXXX, when you can VERY CLEARLY see these checks had been altered. They said it was very obvious fraud and they do not understand why they cashed these checks when it is very very very obvious these checks were altered, ( check images attached, you can clearly see someone used white out to change the name, the line where the name goes isn't even in tact ) which leads us to believe, someone at one of the banks was in on this scam. US bank said they will open an investigation and get our funds back from XXXX XXXX XXXX. After almost 1 and a half years of getting the run around from US bank, they finally told me XXXX XXXX XXXX is not responding back to them about returning the funds so there is nothing US bank can do for me. They want me to eat the almost {$23000.00} loss because of something they did wrong. We did ABSOLUTELY nothing wrong, the banks need to examine the checks before giving the " OK '' to be cashed. US bank failed to ensure the checks are legit, before cashing them, so therefore they are responsible for the checks, not the customer!
We demand US bank sends us the funds in the amount of {$22000.00} due to their negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response Closed with explanation