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 2026-08-14
- 46,313
- Total complaints
- Among the highest
- 5,717
- Last 12 months
- 99.8%
- Timely response
- Top decile
- 59
- States affected
The verdict
46,313 CFPB complaints put U.S. Bancorp at #17 out of 3,843 financial companies ranked by complaint volume. It posts a 99.8% on-time response rate, the 79th percentile among companies with 100+ complaints.
- #17
- of 3,843 companies by volume
- 99.8%
- on time (79th pctile)
- Checking or savings …
- most-complained product
- 59
- states with complaints
Based on this company's own CFPB response record -- timely response, dispute rate, and relief rate, each benchmarked against every tracked company with 10+ complaints. Not a measure of product quality, pricing, or company size.
U.S. Bancorp vs. all companies by on-time response rate
Every company with 100+ CFPB complaints on file (1,335 total)
99.8% Top 21% higher than 79% of 1,335 companies
companies with 100+ CFPB complaints, bucketed by value
Each bar is a band; taller bars hold more companies. The dashed line + filled bar mark this entry. Hover or tap any bar for its full count and share, and where it sits relative to this entry.
Source Consumer Financial Protection Bureau, Consumer Complaint Database · 2026-08-14
What changed
CFPB Consumer Complaint Database 2024 to 2025 complete years
- Annual CFPB complaint volume moved from 4,570 in 2024 to 5,585 in 2025 (2024 → 2025).
Percent of CFPB complaints answered within the regulator's expected window. Industry benchmark sits at 95%.
Reading this profile
Complaints by Product
Top Issues
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 |
| 2026year in progress | 1,324 |
Complaints by State (Top 15)
Company Responses
U.S. Bancorp Complaint Concentration Profile
U.S. Bancorp is a high-volume CFPB cohort (46,313 complaints) - enough filings to measure how concentrated the product and issue mix is, not just the headline totals. Across 108 named product lines in the stored breakdown, the leading three (Checking or savings account, Credit card or prepaid card, Credit card) hold a 35.0% share of product-tagged complaints. The Herfindahl index on that product mix is 0.070 (1.0 = a single product owns every tagged complaint; lower = a broader book).
On the issue side, 15 named issues appear in the top list; the leading three (Managing an account, Incorrect information on your report, Loan modification,collection,foreclosure) cover a 38.2% share of those mentions. That multi-issue footprint is the profile thin-volume companies cannot show - their pages stop at a short bar list because the sample cannot support a concentration read.
Geography tells a similar story: the top three states (California, Illinois, Ohio) hold a 30.9% share of state-tagged volume across 59 jurisdictions on file. A concentrated state trio can hint at regional servicing stress; a flatter map usually tracks a nationwide book.
Among coded company responses, "Closed with explanation" leads at a 66.2% share among the 46,313 response-tagged complaints (30,649 filings). Read that mix next to the timely-response and relief rates above - both describe process outcomes, not a finding of wrongdoing.
Peak filing year was 2025 (5,585 complaints); the lightest year on file was 2011 (66). From 2024 to 2025, annual volume rose 22.2% (4,570 → 5,585). Year-to-year swings at this volume usually track product launches, servicing changes, and consumer awareness more than a single-event spike.
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 posts a 99.8% reply rate on 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 at a 21.5% rate among resolved cases, a signal of how often the initial resolution failed to satisfy the complainant. Resolved complaints closed with monetary or non-monetary relief for the consumer at a 33.7% rate.
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, and the ratio of monetary-relief closures to closed-without-relief outcomes. Together, these fields provide context for reading the published CFPB record; they do not establish wrongdoing or resolve an individual dispute.
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.
Nationwide companies with similar complaint volume or dispute rates
Two CFPB peer sets for U.S. Bancorp: nearest financial companies by total complaint volume and by the share of complaints consumers mark as disputed. These are cross-firm neighborhoods, not the product-category list below.
Similar complaint volume
Nearest companies by total CFPB complaint count (46,313 here).
Similar dispute rates
Nearest companies by share of complaints marked disputed (21.5% here).
Also handles Checking or savings account
Other companies with the same primary CFPB product category on file.
Source: CFPB Consumer Complaint Database Data through March 2026
Read our methodology - how this data is sourced, computed, and verified.