Total CFPB complaints
1,875
All-time across CCDB intake
This data comes from the CFPB Consumer Complaint Database and reflects consumer complaints, not proven violations.
2026 CFPB data Public-data reference. FDCPA reference 1,875 complaints
U.S. BANCORP — Debt Collector Complaint Profile
CFPB complaint profile across 51 states. Updated as new federal complaint data lands in the upstream Consumer Complaint Database.
Complaints by issue type
What consumers report about U.S. BANCORP
- Attempts to collect debt not owed
Attempts to collect debt not owed
623 complaints
- Took or threatened to take negative or legal action 174
Took or threatened to take negative or legal action
174 complaints
- Written notification about debt 147
Written notification about debt
147 complaints
- False statements or representation 125
False statements or representation
125 complaints
- Communication tactics 119
Communication tactics
119 complaints
- Disclosure verification of debt 83
Disclosure verification of debt
83 complaints
D
Grade D · 56.4/100 composite
This collector has a poor complaint record with above-average complaints and below-average response rates.
What do CFPB complaints reveal about U.S. BANCORP?
U.S. BANCORP has accumulated 1,875 total CFPB complaints across 51 states, with 241 filed in the most recent 12 months against 1,634 historical complaints before that window. The trailing-12-month volume represents 12.9% of the full complaint history, a rising pattern that suggests escalating consumer friction rather than a legacy book of disputes.
The dominant consumer grievance logged with the CFPB is "Attempts to collect debt not owed", narrowing to "Debt is not yours", which aligns with FDCPA-regulated conduct and signals the operational area most likely to trigger regulator scrutiny. The company posts a 100% timely-response rate against a 17% consumer-dispute-after-response rate, a pairing that calibrates how well its complaint-resolution workflow holds up once a consumer pushes back.
Complaints have been recorded across 51 states, led by California with 276 and Texas with 131, which matches a multi-state collection footprint rather than a regional operation. Normalized against the full CFPB collector database, the reputation score of 56.4/100 places U.S. BANCORP in grade band D, a tier reached by blending complaint volume, response timeliness, dispute rates, and issue severity into a single comparable metric.
Complaint Summary
Last 12 months
241
12.9% of total history
Rising ↑
States active
51
Distinct state filings
Timely response rate
100%
Within CFPB SLA window
Consumer disputes
17%
After company response
Reputation grade
D
56.4/100 composite
Response-quality profile
How U.S. BANCORP performs on CFPB resolution-quality metrics versus a fleet average benchmark drawn from the full debt-collection vertical.
Timely response within SLA 100.0%
Vertical avg
CFPB requires companies to respond within 15 days for most complaints; 60 days for credit-reporting.
Consumer dispute rate (post-response) 33.5%
Vertical avg
Lower is better. The percentage of consumers who flagged the company's response as unsatisfactory.
State coverage breadth 91.1%
Share of US states + territories with at least one filed complaint against this collector.
How does U.S. BANCORP compare to its peers?
U.S. BANCORP National average
Complaints (last 12 mo)lower is better
Timely-response ratehigher is better
Consumer-dispute ratelower is better
Source: CFPB Consumer Complaint Database. Complaints reflect consumer reports, not proven violations.
Complaint Trend (24 months)
2024-04 2026-03
Top Consumer Issues
Attempts to collect debt not owed623 (%)
Written notification about debt147 (%)
False statements or representation125 (%)
Communication tactics119 (%)
Took or threatened to take negative or legal action174 (%)
Disclosure verification of debt83 (%)
Cont'd attempts collect debt not owed70 (%)
Most common issue: Attempts to collect debt not owed — Debt is not yours
Know Your Rights
If this company is contacting you, you have rights under the FDCPA. They must stop contacting you if you send a written cease-communication request. You can also request written validation of the debt within 30 days.
Issue Detail Breakdown
| Issue | Sub-Issue | Complaints |
|---|---|---|
| Attempts to collect debt not owed | Debt is not yours | 252 |
| Attempts to collect debt not owed | Debt was result of identity theft | 231 |
| Written notification about debt | Didn't receive enough information to verify debt | 147 |
| Attempts to collect debt not owed | Debt was paid | 140 |
| False statements or representation | Attempted to collect wrong amount | 125 |
| Communication tactics | Frequent or repeated calls | 119 |
| Took or threatened to take negative or legal action | Threatened to sue you for very old debt | 89 |
| Took or threatened to take negative or legal action | Threatened or suggested your credit would be damaged | 85 |
| Disclosure verification of debt | Not given enough info to verify debt | 83 |
| Cont'd attempts collect debt not owed | Debt is not mine | 70 |
Where do complaints against U.S. BANCORP come from?
The states where consumers have filed the most CFPB complaints against U.S. BANCORP. Every figure is the company's own complaint count in that state — not a national baseline.
Top states by complaints against U.S. BANCORP
Across 51 states with at least one filing
- California
California
276 complaints
- Texas
Texas
131 complaints
- Ohio
Ohio
123 complaints
- Florida
Florida
120 complaints
- Illinois 101
Illinois
101 complaints
- Georgia 74
Georgia
74 complaints
- Missouri 67
Missouri
67 complaints
- Washington 66
Washington
66 complaints
Frequently Asked Questions
What is the most common complaint against U.S. BANCORP? ▼
The most common issue consumers report about U.S. BANCORP is "Attempts to collect debt not owed", specifically "Debt is not yours". This is based on 1,875 complaints filed with the CFPB.
Are complaints against U.S. BANCORP increasing or decreasing? ▼
Complaints against U.S. BANCORP are rising. The company received 241 complaints in the last 12 months, indicating an upward trend in consumer issues.
What is U.S. BANCORP's reputation grade? ▼
U.S. BANCORP has a reputation grade of D (score: 56.4/100). This collector has a poor complaint record with above-average complaints and below-average response rates.
Does U.S. BANCORP respond to consumer complaints? ▼
U.S. BANCORP has a 100% timely response rate to CFPB complaints. Consumers disputed the company's response in 17% of cases.
In how many states does U.S. BANCORP operate? ▼
U.S. BANCORP has received CFPB complaints from consumers in 51 states, with the most complaints from California (276 complaints).
What can I do if U.S. BANCORP is contacting me? ▼
Under the Fair Debt Collection Practices Act (FDCPA), you have the right to request written debt validation within 30 days of first contact. You can also send a cease-communication letter to stop calls. If U.S. BANCORP violates the FDCPA, you may be able to sue for damages up to $1,000 plus attorney fees.
Consumer Guides
Primary source data
Read our methodology — how this data is sourced, computed, and verified.
Related
Data sourced from the CFPB Consumer Complaint Database. See our methodology for details. Retrieved and formatted by PlainCollector Editorial
| Publisher | Kiznis Studio |
| Sources | the CFPB Consumer Complaint Database |