CFPB Consumer Complaint Profile

U.S. Bancorp

What 46,313 consumer complaints filed with the Consumer Financial Protection Bureau reveal about how this company handles credit, billing and collection disputes.

Data updated 2026-05-15

46,313
Total complaints
5,717
Last 12 months
99.8%
Timely response
59
States affected

The verdict

46,313 CFPB complaints put U.S. Bancorp at #17 out of 3,848 financial companies ranked by complaint volume. It answers 99.8% of complaints on time - above the 93% median for companies with 100+ complaints.

#17
of 3,848 companies by volume
99.8%
answered on time
Checking or savings …
most-complained product
59
states with complaints
U.S. Bancorp timely response rate 99.8%
Industry benchmark

Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.

Reading this profile

Complaints by Product

Checking or savings account - Checking account 8,799
Credit card or prepaid card - General-purpose credit card or charge card 4,157
Credit card - General-purpose credit card or charge card 3,257
Bank account or service - Checking account 2,677
Credit card 2,448
Credit reporting, credit repair services, or other personal consumer reports - Credit reporting 2,404
Credit reporting or other personal consumer reports - Credit reporting 2,259
Mortgage - Conventional home mortgage 2,182
Credit card or prepaid card - Government benefit card 1,883
Mortgage - FHA mortgage 1,717

Top Issues

1.Managing an account 5,924
2.Incorrect information on your report 2,621
3.Loan modification,collection,foreclosure 2,297
4.Problem with a purchase shown on your statement 1,870
5.Trouble during payment process 1,833
6.Improper use of your report 1,759
7.Closing an account 1,725
8.Account opening, closing, or management 1,595
9.Loan servicing, payments, escrow account 1,531
10.Trouble using the card 1,471

Complaints by Year

Year Complaints
2011 66
2012 1,527
2013 2,029
2014 2,533
2015 2,707
2016 2,618
2017 2,533
2018 2,391
2019 2,473
2020 4,154
2021 3,809
2022 3,811
2023 4,183
2024 4,570
2025 5,585
2026 1,324

Complaints by State (Top 15)

California 8,692
Illinois 2,743
Ohio 2,588
Florida 2,384
Texas 2,323
Minnesota 1,786
Colorado 1,727
Washington 1,594
Missouri 1,500
Oregon 1,350
New York 1,314
Pennsylvania 1,295
Arizona 1,290
Wisconsin 1,065
Nevada 1,065

Company Responses

Closed with explanation 30,649
Closed with non-monetary relief 9,903
Closed with monetary relief 5,129
Closed without relief 406
Closed with relief 147
Closed 56
In progress 23

What the CFPB Complaint Record Shows for U.S. Bancorp

U.S. Bancorp carries 46,313 complaints in the CFPB's database, 5,717 of them filed within the past 12 months. Consumers spanning 59 states and territories have weighed in, giving this a nationwide footprint. "Checking or savings account" tops the product-level breakdown by a clear margin, marking it as the area of greatest consumer friction. Inside that category, "Managing an account" comes up most often - worth a look for anyone trying to spot the company's recurring pain point.

Within the Bureau's 15-day response window, U.S. Bancorp answers 99.8% of forwarded complaints. That is at or above benchmark levels, a sign the company handles intake and escalation well. Consumers formally disputed the company's response in 21.5% of resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. 33.7% of resolved complaints ended with some monetary or non-monetary relief for the consumer.

How to read complaint counts

Complaint counts alone do not tell the full story, larger institutions with more customers will naturally generate more complaints in absolute terms. The more informative signals are the direction of the yearly trend shown above, the state-level concentration (which hints at regional servicing issues or regulatory exposure), and the ratio of monetary-relief closures to closed-without-relief outcomes. Taken together, these fields give consumers a reasonable empirical basis for deciding whether to escalate a dispute, and give researchers a starting point for investigating institutional patterns.

Educational data summary, not financial or legal advice. Individual complaint outcomes vary. Consumers should consult a qualified attorney or financial advisor for guidance on a specific dispute.

Frequently Asked Questions

How many CFPB complaints does U.S. Bancorp have?

U.S. Bancorp has 46,313 total consumer complaints filed with the CFPB, with 5,717 filed in the last 12 months.

Does U.S. Bancorp respond to complaints on time?

U.S. Bancorp has a 99.8% timely response rate to CFPB complaints. That puts it among the more responsive companies in the CFPB dataset.

What product generates the most complaints for U.S. Bancorp?

The most complained-about product for U.S. Bancorp is "Checking or savings account." You can view the full product breakdown on this page.

What is the most common complaint issue with U.S. Bancorp?

Consumers most often cite "Managing an account" when complaining about U.S. Bancorp; the full issue list with counts is above.

How do I file a complaint against U.S. Bancorp?

You can file a complaint against U.S. Bancorp directly with the CFPB at consumerfinance.gov/complaint. The CFPB will forward your complaint to the company and work to get you a response, typically within 15 days.

In how many states have consumers complained about U.S. Bancorp?

U.S. Bancorp has drawn CFPB complaints from 59 states and territories. That figure covers the 50 states, DC, Puerto Rico, and smaller CFPB-tracked jurisdictions (Guam, the U.S. Virgin Islands, military postal codes), so it can run higher than the 52 states/territories with a dedicated page on this site.

Similar Companies

Matched by complaint volume nationwide and by product category - a different peer set than the sibling-portal links below.

Source: CFPB Consumer Complaint Database CFPB Consumer Complaint Database Data through March 2026

Read our methodology - how this data is sourced, computed, and verified.