Checking and savings
U.S. Bank: what servicemembers report to the CFPB
CFPB Consumer Complaint Database, complaints tagged servicemember, received 2023 to 2025. Read October 28, 2026. Open the same query on consumerfinance.gov.
- Servicemember complaints
- 1,016
- Closed with money back
- 9%
- 2023 to 2025
- 313 to 393
Servicemembers filed 7.1% of U.S. Bank's 14,339 complaints in the window, against 2.5% across the directory. The complaints are mostly about checking or savings account, and the single most common issue is "Managing an account". 9% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. The yearly count rose from 313 in 2023 to 393 in 2025.
What the complaints are about
By product
| Checking or savings account | 350 |
| Credit card | 175 |
| Credit reporting or other personal consumer reports | 146 |
| Mortgage | 103 |
| Debt collection | 53 |
By issue
| Managing an account | 183 |
| Incorrect information on your report | 94 |
| Closing an account | 70 |
| Improper use of your report | 64 |
| Problem with a purchase shown on your statement | 53 |
| 2023: 313 | 2024: 310 | 2025: 393 |
Which accounts, specifically
| Checking account | 388 |
| General-purpose credit card or charge card | 310 |
| Credit reporting | 196 |
| Conventional home mortgage | 49 |
| VA mortgage | 47 |
What went wrong, specifically
| Deposits and withdrawals | 107 |
| Company closed your account | 69 |
| Credit card company isn't resolving a dispute about a purchase on your statement | 64 |
| Funds not handled or disbursed as instructed | 38 |
| Information belongs to someone else | 38 |
Busiest month: December 2025, with 60 servicemember complaints. Most were submitted by web.
Most complaints came from CA (151), FL (75), TX (75) , then OH, GA, AZ.
How U.S. Bank answered
| Closed with explanation | 635 | 63% |
| Closed with non-monetary relief | 287 | 28% |
| Closed with monetary relief | 94 | 9% |
U.S. Bank responded within the CFPB's 15-day window on 100% of servicemember complaints (directory-wide: 99%). Where the company published a response, the most common was: "Company has responded to the consumer and the CFPB and chooses not to provide a public response" (1,016). A complaint closed "with explanation" means the company answered in writing and changed nothing; "monetary relief" means money moved.
In servicemembers' own words
Narratives the CFPB publishes with the consumer's consent. Personal details are removed by the CFPB before publication. Each links to the original complaint.
-
""
Credit card; Trouble using your card. MO, 2024-08-29. Outcome: Closed with explanation. Complaint 9975058
-
""
Checking or savings account; Closing an account. CA, 2024-08-31. Outcome: Closed with explanation. Complaint 9974110
-
""
Credit reporting or other personal consumer reports; Improper use of your report. FL, 2024-08-29. Outcome: Closed with non-monetary relief. Complaint 9956792
If this is your problem at U.S. Bank
For a pre-service debt above 6%: the written request and the refund estimate; for repossession, foreclosure, a default judgment or eviction, the court-protection guides and the Department of Justice; for a loan or card taken during service, the Military Lending Act. A CFPB complaint is the dated record that follows, and it is the data on this page. This site's verified guide to the company's own military policies: U.S. Bank SCRA: 800-934-9555 & the 6% Cap, All Fees Waived.
Compare with checking and savings peers
- Truist 936 servicemember complaints; 4% with money back
- Chime Financial 1,164 servicemember complaints; 6% with money back
- PNC Bank 502 servicemember complaints; 12% with money back
- Bank of America 2,581 servicemember complaints; 23% with money back
- SoFi Technologies 391 servicemember complaints; 6% with money back
Next in the directory by volume: Mr. Cooper, Freedom Mortgage.
Frequently asked questions
How many complaints did servicemembers file against U.S. Bank?
1,016 complaints tagged servicemember were received by the CFPB about U.S. BANCORP between January 1, 2023 and December 31, 2025 (database read October 28, 2026). The tag covers active duty, Guard, Reserve, veterans, retirees, and their spouses and dependents. The yearly count rose from 313 in 2023 to 393 in 2025.
What do servicemembers complain about most at U.S. Bank?
Checking or savings account accounts for 350 of the 1,016 complaints, and the most common issue is "Managing an account" (183). Next: "Incorrect information on your report" (94).
Does U.S. Bank give money back when a servicemember complains?
9% of servicemember complaints closed with money back, against 2% across all 349 companies in this directory. 287 closed with non-monetary relief and 635 closed with an explanation only. U.S. Bank answered 100% of these complaints within the CFPB's 15-day window.
Tools for this topic
- SCRA refund calculator What a lender owes back for charging over 6%.
- Savings calculator What the 6% cap saves you per month and per year.
- Letter generator A rate-cap or lease letter that cites the statute.
CFPB counts for complaints tagged "Servicemember" received 2023-01-01 to 2025-12-31, read October 28, 2026; names are the CFPB's; percentages only at 100+ complaints; a complaint is not a finding of wrongdoing. Method and the full directory.
Heads up: SCRA Saver publishes general information, not legal or financial advice. Laws change and every situation differs. Confirm details with your installation legal assistance office (free for service members) or a licensed professional.