BANK
HIGHER RATE THAN 67% OF SCORED PEERS
Complaint rate · per 1,000 customersscale 0–10
Sector median 0.51 · Lowest in dataset 0.09
A higher federal complaint rate per customer than 67% of scored peers in the 45-bank dataset.
Methodological confidence: HIGH · n=42,349 complaints over 14 years
Customer ratio
1 in 1,260
customers filed a federal complaint
Resolved with relief
31%
received monetary or non-monetary relief
Daily volume
8.0
complaints per day · 2011–2025 average
9.3× the rate of FIRST CITIZENS BANCSHARES, INC. (lowest); 1.6× the sector median; higher rate than 67.31% of 45 scored institutions.
24-month trajectory · monthly complaint rate
Where complaints concentrate · top 3 product categories
Credit cards
0.24/1k
12,948
Checking & savings
0.20/1k
10,873
Money transfers
0.17/1k
9,160
5 nearest rates in scored dataset
0.74/1k
0.76/1k
0.77/1k
0.79/1k
0.85/1k
Federal data sources
Independent analysis · not affiliated with any government agency
WHAT THIS MEANS FOR YOU
U.S. BANCORP performs slightly below the industry benchmark.
A rate of 0.79 per 1,000 customers is above the threshold we consider low-risk (0.50). While not among the worst performers, there are better-rated alternatives available. Complaint rates are normalised across 42,349 total complaints and estimated customer counts, making comparisons fair across institutions of all sizes.
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Check the complaint categories below to see where this institution receives the most criticism, and compare against alternatives before committing.
Most common words in federal complaints about U.S. BANCORP
titlesectionactcommissionantitrustundermoneyusccheckbecause
Extracted from 57 consumer complaint narratives · CFPB database
FULL RECORD
Complaint Profile
Rate / 1,000 customers0.79/1k
Total complaints (2011–2025)42,349
Year-on-year change+22%worsening
Timely response rate99.8%
Complaint rate normalised per 1,000 estimated customers. National median ≈ 0.30/1k.
Financial Health Indicators
Net charge-off rate0.00%✓ healthy
Tier 1 capital ratio0.0%↓ below regulatory minimum
Loan loss reserve ratio0.00%
FDIC Call Report data · Q4 2025. NCO rate = loans written off as unrecoverable. Tier 1 = core capital buffer against losses (regulatory minimum ≈ 10%).
TARP government bailout$6.60B
DFAST stress test (Fed)8.2% CET1 stressed
HMDA Mortgage Fair Lending · 2023
Mortgage denial rate22.7%
Denial rate — White applicants22.7%
Denial rate — Black applicants22.7%
Denial rate — Hispanic applicants22.7%
Based on 22 mortgage applications · FFIEC HMDA 2023
Regulatory Enforcement Record
OCC (Office of the Comptroller)Federal ReserveCFPB (Consumer Financial)FinCEN (Anti-money laundering)FDIC (Federal Deposit Insurance)FTC (Federal Trade Commission)
No active or recent enforcement actions on file across the 6 tracked agencies. Each row links to that regulator’s source explainer.
Top Complaint Issues
13%
6%
5%
Breakdown of complaint issues filed with the CFPB by customers of this institution.
Methodological notes
Received TARP government bailout: $6.6B
Subject to annual DFAST stress testing by the Federal Reserve (applies to largest US banks)
Institution Status
No DNA profile signals computed for this institution.
Enforcement
Financial Health
Fair Lending
Computed Signals
Data from CFPB, OCC, Federal Reserve, FDIC, FinCEN, DOJ, FHFA, HUD, US Treasury, FFIEC and FTC public records. Complaint rates normalised per 1,000 estimated customers. Not financial advice. Methodology › · Privacy ›