Independent profile — not affiliated with U.S. Bank

U.S. Bank

U.S. Bancorp, based in Minneapolis, is the holding company of U.S. Bank National Association. This page gives U.S. Bank's own fraud, dispute and customer service channels, the outside complaint routes, and the dated record of CFPB, OCC and Federal Reserve orders, with BBB, CFPB database and Trustpilot counts as displayed on October 7, 2026. The 659 archive posts linked here date from 2001 to 2014.

COMPLAINTS659
VERIFIED PHONE1-800-872-2657
LAST CHECKED2026-10-06
Write a Review Jump to complaints ↓
CONSUMER ALLEGATION

Complaints & Reviews on USAComplaints

USAComplaints currently maintains 659 historical complaints about U.S. Bank, published between 2001 and 2014. No approved complaints have been published on this site during the last three years. For a current reputation snapshot, see the independent sources below.

EDITORIAL

Complaint Themes

Mentions fees, overdraft or a charge on the account (keyword match)Mentions a mortgage, escrow, foreclosure or loan modification (keyword match)Mentions a credit card, gift card or prepaid card (keyword match)Mentions fraud, unauthorized charges, a frozen/closed account or held funds (keyword match)Mentions credit reporting or debt collection (keyword match)

Each tag reflects a complaint's single primary theme (not every angle it raised), and complaints outside any problem theme — a positive report, or one later retracted by its author — aren't tagged. Counts may total less than the full complaint count above.

EXTERNAL SOURCE

Independent Sources

Shown for context — not merged with USAComplaints' own numbers.

BBB: 592 reviews, 2001 complaints
CFPB: 50167 complaints
Trustpilot: 1721 reviews,
VERIFIED

Contacts

VERIFIED

Locations

TypeAddress
Headquarters200 S. Sixth St. Minneapolis MN 55402
EDITORIAL

U.S. Bank complaints and disputes: the bank's own channels and outside complaint routes (checked October 6-7, 2026)

This page starts with the channels U.S. Bank publishes today and the outside routes for a complaint, then lists the government actions on the record. The U.S. Bank pages quoted below were opened on October 6 and October 7, 2026. The posts on this site that are linked to this page were written between 2001 and 2014, so the current channels come first.

Phone numbers by product. The U.S. Bank personal banking customer service page offers a link “Call 800-USBANKS” (1-800-872-2657). The credit card page says: “Debit cards: 800-USBANKS (872-2657). Credit cards: 800-285-8585.” and also lists “Cardmember Service at 800-285-8585”.

Reporting fraud. The U.S. Bank Online security page answers “How do I report fraud to U.S. Bank?” with: “Call 877-595-6256 or log in to your account.” The same page says: “for unauthorized account access, you’re protected by our zero fraud liability. We’ll reimburse you for 100% of unauthorized transactions, provided you notify us promptly.” The page's footnote to “zero fraud liability” says: “Cardholder must notify U.S.Bank promptly of any unauthorized use. Certain conditions and limitations may apply. See the Electronic Fund Transfers section in Your Deposit Account Agreement for details.”

Disputing a card transaction. The credit card page describes two routes. By phone: “Call the number on the back of your card”, listen to the account activity and “tell the system to start a dispute case”; if the item “can be disputed digitally, we’ll send you a link by email or text message”, otherwise “we’ll connect you with the next available banker to start your claim.” Online: select the transaction and choose “Dispute this transaction” in online banking or the mobile app. The Online security page says resolution timeframes “vary by case and account type”. The bank's separate claim-deadline help page (“How long do I have to file a fraud or dispute claim?”) gives notice periods. For debit-card claims it says: “For both fraud and dispute claims, you have 60 days from the date the statement was transmitted that the transaction in question appears on to contact us”, adding that after that time a claim can still be opened, “however, provisional credit may not be given, and you may be held liable for certain unauthorized transactions.” For credit cards it says that for fraudulent transactions, “regardless of when you contact us, we'll always investigate the case”, and that “To file a dispute claim, you have 60 days from the date we send the statement”; after that time the bank says it will “still attempt to assist” but you “may not receive all the protections you'd be entitled to”.

Disputing by mail. The bank's card-dispute help page says: “If you'd prefer to contact us in writing about your dispute, please send a letter to” Cardmember Service, PO Box 6335, Fargo, ND 58125-6335 for debit cards, or Cardmember Service, PO Box 6352, Fargo, ND 58125-6352 for credit cards, including your name, card number, address and phone number.

Outside complaint routes. The CFPB accepts complaints about financial products at consumerfinance.gov/complaint. U.S. Bank National Association is a national bank examined by the OCC (the OCC's own orders describe it that way), and the OCC runs HelpWithMyBank.gov, which says it “provides information and assistance for customers of national banks and federal savings associations.” Your state attorney general and state banking regulator also take consumer complaints. Keep dates, amounts, names and any case numbers the bank gives you.

Unemployment-benefit ReliaCard. U.S. Bank's ReliaCard program is covered in the government actions below. For errors or unauthorized charges on a ReliaCard, the bank's help page says: “You must call 855-282-6161 within 120 days after the transaction. We accept relay calls.”, and to have the card number, the transaction date and the dollar amount ready. For a card received that the person did not apply for, the bank's help page (“Did you receive a ReliaCard but didn't apply for unemployment?”) says to “Contact the state agency” and to complete the “ReliaCard: Report Card Received in Error” form, and adds: “This form does not get sent to the state agency that processed the unemployment claim.” The CFPB's page on its December 2023 order lists, for consumers with inquiries about redress under that order, 1-855-282-6161, [email protected] and P.O. Box 551617, Jacksonville, FL 32255. The BBB profile also quotes the bank as saying the decision on claims “resides with the state”; that is the bank's statement as posted on BBB, not a finding.

EDITORIAL

Government actions against U.S. Bank: CFPB, OCC, Federal Reserve and others

Each order below was a settlement. In every case where the order text was read, the bank consented “without admitting or denying” the findings (except as to jurisdiction), or the order states that the bank “neither admits nor denies” them. A consent order records a regulator's findings and the agreed remedy; it is not a court judgment.

  • CFPB, December 19, 2023 (unemployment-benefit prepaid cards). The CFPB's page says the Bureau found that U.S. Bank violated the Consumer Financial Protection Act by failing to give eligible ReliaCard cardholders whose accounts it froze “adequate means to verify their identities and timely regain access to their benefits”, and violated the Electronic Fund Transfer Act and Regulation E by failing to timely investigate notices of error on alleged unauthorized transfers. The order required $5.7 million in redress and a $15 million civil money penalty. The order text says U.S. Bank consented “without admitting or denying any of the findings of fact or conclusions of law”, except jurisdiction. On September 22, 2025 the CFPB terminated the order and waived any alleged non-compliance; the CFPB page states that the bank had paid the $15,000,000 penalty and made the required redress payments.
  • OCC, December 2023 (same program). OCC Consent Order AA-ENF-2023-64 assessed a $15 million civil money penalty against U.S. Bank National Association, Cincinnati, Ohio, for unfair practices under Section 5 of the FTC Act. The order says the bank “neither admits nor denies” the findings, which include that deficiencies in the unfreeze process from August 2020 through at least March 2021 impeded many consumers from regaining access to their benefits, “typically taking weeks and somtimes even months”. The OCC says its penalty is separate from, but coordinated with, the CFPB's order.
  • CFPB, July 28, 2022 (accounts opened without consent). The CFPB's page says the Bureau found that U.S. Bank issued credit cards and lines of credit and opened deposit accounts for certain consumers without their knowledge and consent, and used or obtained consumer reports without a permissible purpose; the order imposed a $37.5 million penalty and required a plan to remediate harmed consumers. The order states that the bank consented “without admitting or denying any of the findings of fact or conclusions of law”, except jurisdiction. In the order's findings, the “Findings Period” is January 1, 2010 through December 31, 2020; it states that these acts “involved a small percentage of Respondent's new accounts” and that from 2016 the bank began enhancing its account-opening and consent processes. On August 21, 2025 the CFPB terminated the order and waived any alleged non-compliance; the CFPB page states that the bank had paid the $37,500,000 penalty.
  • CFPB, September 25, 2014 (identity-protection billing). The CFPB ordered U.S. Bank to provide “an estimated $48 million in relief to consumers harmed by illegal billing practices”; its page says consumers were unfairly charged for certain identity protection and credit monitoring services they did not receive. The order text records consent “without admitting or denying any findings of fact or conclusions of law”, except jurisdiction.
  • CFPB, June 26, 2013 (military auto loans). The CFPB ordered U.S. Bank and Dealers' Financial Services to return about $6.5 million to servicemembers over fee disclosure and add-on product practices in the Military Installment Loans and Educational Services (MILES) auto loan program; the order text records consent without admitting or denying.
  • Bank Secrecy Act matter, February 2018. According to U.S. Bancorp's Form 8-K, it entered a deferred prosecution agreement with the U.S. Attorney's Office in Manhattan over a legacy banking relationship with payday lending businesses associated with former customer Scott Tucker and its legacy BSA/anti-money-laundering program; it settled for $528 million (credited for the OCC penalty, a net $453 million payment to the U.S. Attorney's Office), with a $75 million OCC penalty and a FinCEN penalty of $185 million that the 8-K says would be deemed satisfied by payment under the agreement plus $70 million. The Federal Reserve announced a $15 million penalty against U.S. Bancorp and a cease-and-desist order the same month. This was an anti-money-laundering matter, not a consumer-account matter. The later outcome of the deferred prosecution agreement was not confirmed from a primary document for this page.
  • OCC, 2021 order terminated March 20, 2024. OCC order AA-ENF-2024-29 terminated a September 20, 2021 consent order (AA-ENF-2021-34); the order is titled as against “U.S. Bank, formerly known as MUFG Union Bank, National Association”. The order text read does not describe the subject of the 2021 order.

No other CFPB enforcement page naming U.S. Bank was listed in the CFPB enforcement search for “U.S. Bank” on October 6, 2026 (six results: the 2023, 2022, 2014 and 2013 actions above, with the 2013 action listed twice, and one unrelated case). Searches of other regulators' databases were not exhaustive.

EDITORIAL

About U.S. Bank: who operates it

U.S. Bancorp is a Delaware corporation. Its 2025 Form 10-K (filed February 23, 2026) gave 800 Nicollet Mall, Minneapolis, Minnesota 55402 as the address of its principal executive offices; its Form 10-Q for the quarter ended June 30, 2026 (filed August 6, 2026) gives 200 S. Sixth St., Minneapolis, Minnesota 55402 as the address of its principal executive offices and lists 800 Nicollet Mall as the former address. Its stock trades on the NYSE as USB. The 10-K says U.S. Bancorp's banking subsidiary, U.S. Bank National Association (“USBNA”), “holds all of the Company's consolidated deposits of $522.2 billion at December 31, 2025”, and that the company employed 68,520 people at that date. Consumer products named in its segment note include checking and savings, debit cards, consumer lending, credit cards and stored-value cards.

Different documents place the national bank's main office in different cities: the OCC's orders name “U.S. Bank National Association, Cincinnati, Ohio”, while the CFPB's 2022 order calls it “a national bank headquartered in Minneapolis, Minnesota”. This page quotes each as written. The OCC's March 2024 order title says “U.S. Bank, formerly known as MUFG Union Bank, National Association”.

Posts on this site name “US Bank”, “USBank” and “U.S. Bank Home Mortgage”. Other companies with similar names (for example, other “bank” or “bancorp” businesses, or card programs administered for third parties) were not linked to this page.

EDITORIAL

Complaint counts and what this site has on file (as displayed on October 7, 2026)

These are different sources with different rules, and they are not added together.

  • BBB (headquarters listing, Minneapolis). Shown as BBB Accredited with rating A+. The complaints tab shows 2,001 total complaints in the last 3 years and 426 complaints closed in the last 12 months. The reviews tab shows 1.11 /5 stars from an average of 592 customer reviews; BBB says reviews are not used in the letter grade. BBB's page also repeats the bank's statement about unemployment-benefit ReliaCards quoted above.
  • CFPB Consumer Complaint Database. Under the company name “U.S. BANCORP”, the database shows 50,167 complaints received since December 1, 2011, and 6,770 received between October 5, 2025 and October 7, 2026 (the latest complaint received date shown was September 29, 2026). By product, the largest groups across all years are checking or savings account (11,896), mortgage (9,048), credit card or prepaid card (6,944) and credit card (6,824). The database lists 33,382 as “Closed with explanation”, 10,755 as “Closed with non-monetary relief” and 5,403 as “Closed with monetary relief”. These are unverified consumer submissions and company response categories as published by the CFPB, and other U.S. Bank entities appear under separate names.
  • Trustpilot (usbank.com). 1,721 reviews, score 1.2, “Unclaimed profile”; Trustpilot says it does not fact-check reviews.
  • This site's own posts. 659 approved posts name US Bank or U.S. Bank as the business complained about; they were written between 2001 and 2014, mostly in 2008 and 2009 (2008: 105, 2009: 122, 2012: 77). They are individual accounts, unverified, and are not a measure of how the bank performs today. Post counts for topics below are keyword matches, not findings.
EDITORIAL

Lawsuits and regulatory inquiries mentioned in public filings

No individual consumer class action is listed as a separate case on this page, because none could be checked end-to-end against a primary court order in the sources checked on October 6-7, 2026.

  • Mortgage-backed securities trustee suits. U.S. Bancorp's Form 10-Q for the quarter ended June 30, 2026 (filed August 6, 2026), Note 15, says that starting in 2011 the company and other large institutions “have been sued in their capacity as trustee for residential mortgage–backed securities trusts”; investors allege U.S. Bank National Association, as trustee, failed to enforce loan repurchase obligations and to meet standards of care. These are investor suits, not claims by borrowers about their own loans.
  • Reported data-theft claims, August 2026. Recorded Future News (The Record), published August 21, 2026, reported that the LockBit ransomware group listed U.S. Bancorp as a victim and threatened to leak data, without providing samples. A U.S. Bancorp spokesperson told the outlet the claims relate to “a potential cyber incident…related to a fourth party event that occurred outside” of its environment, that “there is no evidence that our systems, networks or data repositories were compromised”, and that it had given information to law enforcement. The article says the company declined to name the third and fourth parties. This page did not locate or open any state breach notice naming U.S. Bank for this event; these are a ransomware group's claim and the company's statement, not findings.
  • Regulatory inquiries. The same note says the OCC and other agencies are conducting inquiries related to “fair access to banking”, including under Executive Order 14331, and that the company is cooperating; it also says the company believes the ultimate resolution of existing matters will not have a material adverse effect on its financial condition.
  • Overdraft multidistrict litigation. The federal court records on GovInfo list “U.S. Bank, NA” and “US Bank N.A.” among the consolidated defendants in In re Checking Account Overdraft Litigation, MDL No. 2036 (S.D. Fla.), No. 1:09-md-02036. A press release issued by plaintiffs' counsel on July 2, 2012 (PR Newswire) says U.S. Bank “has agreed to pay $55 million to settle class action lawsuits that accused the bank of improperly manipulating its customers' debit card transactions”, and that counsel expected the settlement to be presented to the court for preliminary approval within ninety days. This is counsel's announcement of the claims and the settlement figure, not a court finding. A court order approving the U.S. Bank settlement was not located in the CourtListener search run on October 7, 2026, so this page states no approval date or final terms.

Allegations in lawsuits are claims, not findings. A pending or past lawsuit does not show that the allegations are true.

EDITORIAL

Is U.S. Bank Legitimate?

U.S. Bancorp is an SEC registrant that files annual and quarterly reports (Form 10-K filed February 23, 2026; Form 10-Q filed August 6, 2026) and lists its stock on the NYSE. The OCC's orders describe U.S. Bank National Association as a national banking association “chartered and examined by the OCC”. The BBB headquarters listing shows BBB Accredited status and an A+ rating, alongside the complaint and review counts shown above.

Being a regulated, listed bank does not mean no one has a problem with it: the CFPB and OCC orders above, and the complaint counts in the public databases, are part of the record. If you received a call, text or email claiming to be U.S. Bank, the bank advises contacting it “using a known phone number or website” and not clicking links; see its Online security page. Fraudsters can imitate any bank.

VERIFIED

Company Relationships

  • Affiliated with: U.S. Bank National Association
  • Affiliated with: MUFG Union Bank, National Association
EDITORIAL

Frequently Asked Questions

How do I report fraud to U.S. Bank?

The U.S. Bank Online security page says: “Call 877-595-6256 or log in to your account.” It also says, “Do not click links. Contact your bank directly using a known phone number or website.” For a lost or stolen credit card, the bank links an article on its credit card help page.

How do I dispute a card transaction with U.S. Bank?

The credit card help page says to call the number on the back of the card, or 800-285-8585 for credit cards and 800-USBANKS (872-2657) for debit cards, and tell the automated system to start a dispute case; some items can be disputed digitally, otherwise a banker takes the claim. In online banking or the mobile app you can select the transaction and choose “Dispute this transaction”. The bank's claim-deadline page gives 60 days from the statement date for debit-card fraud and dispute claims and for credit-card dispute claims, with the qualifications quoted above. Written disputes go to PO Box 6335, Fargo, ND 58125-6335 (debit) or PO Box 6352, Fargo, ND 58125-6352 (credit).

What is the main U.S. Bank customer service number?

The U.S. Bank personal banking customer service page links “Call 800-USBANKS”, which is 1-800-872-2657. The BBB profile lists (800) 872-2657 as well. Credit card questions use 800-285-8585 on the credit card help page.

Where can I complain about U.S. Bank outside the bank?

You can submit a complaint to the CFPB at consumerfinance.gov/complaint. Because U.S. Bank National Association is a national bank examined by the OCC, HelpWithMyBank.gov (run by the OCC) provides assistance for customers of national banks. State attorneys general also accept consumer complaints.

What did the CFPB find in its orders against U.S. Bank?

In July 2022 the CFPB found that U.S. Bank opened credit cards, lines of credit and deposit accounts for some consumers without their knowledge and consent (a $37.5 million penalty); in December 2023 it found failures to give frozen ReliaCard unemployment-benefit cardholders adequate means to verify identity and to timely investigate errors ($5.7 million redress and a $15 million penalty). The bank consented without admitting or denying the findings, and the CFPB terminated both orders in August and September 2025.

What happened with frozen U.S. Bank ReliaCards?

The OCC's December 2023 consent order says the bank increased fraud prevention in late August 2020, which froze some legitimate users' accounts, and that deficiencies in the unfreeze process from August 2020 through at least March 2021 left many consumers waiting “weeks and somtimes even months”. The bank neither admitted nor denied the findings. The bank's statement on BBB says the decision on unemployment claims “resides with the state”.

How many complaints are there about U.S. Bank?

Three outside sources show different counts under different rules, as displayed on October 7, 2026. BBB headquarters listing: 2,001 complaints over three years. CFPB database, company name “U.S. BANCORP”: 50,167 since December 2011, of which 6,770 were received from October 5, 2025. Trustpilot, usbank.com: 1,721 reviews, score 1.2. They are not added together.

Who owns U.S. Bank, and what is U.S. Bancorp?

U.S. Bancorp is the Minneapolis-based holding company (NYSE: USB). Its 2025 Form 10-K says its banking subsidiary is U.S. Bank National Association, which holds all of its consolidated deposits ($522.2 billion at December 31, 2025).

Why are the complaints on this page so old?

The 659 posts linked here were written between 2001 and 2014, mostly 2008 and 2009. They are individual accounts that this site could not verify, and policies and products may have changed since. Current channels and the dated public records appear first on this page.

What should I do about errors, unauthorized charges or a card I did not apply for on a U.S. Bank ReliaCard?

For errors or unauthorized charges, the bank's help page says: “You must call 855-282-6161 within 120 days after the transaction.” For a ReliaCard received without applying for unemployment benefits, the bank's page says to contact the state agency and complete its “ReliaCard: Report Card Received in Error” form, which, it says, “does not get sent to the state agency”.

How did U.S. Bank respond to the August 2026 ransomware claims?

Recorded Future News reported on August 21, 2026 that a spokesperson for U.S. Bancorp said the claims relate to a fourth-party event outside its environment and that there is no evidence its own systems, networks or data repositories were compromised. The ransomware group's claims were unverified when reported, and this page did not locate a state breach notice for the event.