U.S. Bank Mortgage phone numbers
Ranked #11 of 75 by complaint volume · 9,097 complaints · 99.2% timely response
Check your statement for the address for a notice of error or information request.
Every number above is copied from U.S. Bank's own site on the date shown. If one has changed, the number on your mortgage statement wins.
How U.S. Bank Compares
For U.S. Bank, "Loan modification,collection,foreclosure" accounts for 25.1% of CFPB mortgage complaints in this profile; volume rose 6% from 2024 to 2025, ranking it #11 of 75 mortgage servicers tracked here by CFPB complaint volume and in this tracked set's upper third; this profile has no linked CFPB enforcement action.
Compare the nearest profiles by complaint volume: Freedom Mortgage and Rocket Mortgage.
What Borrowers Complain About
U.S. Bank borrowers' most common complaint category is "Loan modification,collection,foreclosure" at 25.1% of all complaints, followed by "Trouble during payment process" at 22%. The three most cited specific problems are: "trying to communicate with the company to fix an issue while managing or servicing your loan" (2.2%), "trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure" (2%), "escrow, taxes, or insurance" (1.9%).
The third most common category is "Loan servicing, payments, escrow account" at 16.7%, representing 1,517 complaints.
Other frequently cited problems include "applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu" (1.2%) and "payment process" (1.2%).
Complaint volume varied (2022: 559, 2023: 378, 2024: 378, 2025: 399).
Most complaints involve conventional mortgages (26.2%), followed by FHA mortgages (21%).
Complaint Volume Over Time
Annual Consumer Financial Protection Bureau complaint volume for U.S. Bank from 2012 to present.
Annual Complaints — U.S. Bank
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Recent Monthly Trend
Monthly complaint volume over the last 24 months.
Monthly Complaints — U.S. Bank
Source: Consumer Financial Protection Bureau Consumer Complaint Database
Top Complaint Issues
| Issue | Count | Share |
|---|---|---|
| Loan modification,collection,foreclosure | 2,281 | 25.1% |
| Trouble during payment process | 1,998 | 22% |
| Loan servicing, payments, escrow account | 1,517 | 16.7% |
| Struggling to pay mortgage | 1,258 | 13.8% |
| Applying for a mortgage or refinancing an existing mortgage | 676 | 7.4% |
| Application, originator, mortgage broker | 397 | 4.4% |
| Closing on a mortgage | 348 | 3.8% |
| Settlement process and costs | 181 | 2% |
| Incorrect information on your report | 172 | 1.9% |
| Credit decision / Underwriting | 119 | 1.3% |
How U.S. Bank Responds
U.S. Bank closes 73.3% of complaints with an explanation — meaning they responded but did not necessarily fix the borrower's issue. The share of complaints closed with monetary relief was 8% to the borrower, which is notably above average. 16.1% received non-monetary relief such as account corrections or fee waivers. Borrowers disputed 11.5% of U.S. Bank's responses — above the 8.3% industry average, indicating more borrowers felt their complaints were inadequately addressed.
| Response Type | Count | Share |
|---|---|---|
| Closed with explanation | 6,672 | 73.3% |
| Closed with non-monetary relief Non-monetary relief | 1,463 | 16.1% |
| Closed with monetary relief Monetary relief | 730 | 8% |
| Closed without relief | 169 | 1.9% |
| Closed with relief | 44 | 0.5% |
| Closed | 14 | 0.2% |
| In progress | 5 | 0.1% |
Top States by Complaint Volume
View all 51 locations
| State | Complaints |
|---|---|
| CA | 1,199 |
| FL | 824 |
| OH | 593 |
| IL | 539 |
| MN | 531 |
| TX | 368 |
| MO | 336 |
| WA | 283 |
| AZ | 283 |
| CO | 273 |
| MD | 248 |
| WI | 220 |
| NY | 203 |
| VA | 198 |
| TN | 197 |
| OR | 189 |
| NC | 188 |
| GA | 182 |
| NV | 171 |
| MI | 167 |
| NJ | 141 |
| IN | 135 |
| PA | 134 |
| NE | 116 |
| MA | 113 |
| OK | 110 |
| LA | 103 |
| AR | 90 |
| CT | 87 |
| KY | 80 |
| IA | 70 |
| UT | 68 |
| SC | 65 |
| KS | 60 |
| ID | 45 |
| DC | 43 |
| VT | 36 |
| NM | 33 |
| MT | 28 |
| MS | 27 |
| RI | 26 |
| SD | 24 |
| AL | 22 |
| NH | 22 |
| ME | 21 |
| DE | 19 |
| HI | 18 |
| ND | 17 |
| WV | 16 |
| AK | 12 |
| WY | 9 |
U.S. Bank's complaints concentrate in California (1,199), Florida (824), and Ohio (593). These three states account for 29% of all complaints. If you're dealing with U.S. Bank, check your state's foreclosure laws — protections vary significantly. Law pages for its top complaint states: California, Florida and Ohio.
Enforcement Record
We don't list a CFPB enforcement action against U.S. Bank. Our list is curated, so that isn't a finding that none exists; the CFPB's enforcement page is the full record. 9,097 complaints are on record since 2012, ranking #11 among the 75 largest mortgage servicers.
You can file a CFPB complaint about U.S. Bank, which responded to 99.2% of complaints within the required timeframe.
Legal History
We list no enforcement actions, Department of Justice settlements, state attorney general actions or class actions for U.S. Bank. That describes the cases we track, not a finding that none exist. Court dockets and your state attorney general's office are the places to check.
Search U.S. Bank Complaints
Browse the 500 most recent complaints filed against U.S. Bank. Filter by issue type, state, date range, or keyword. Try filtering by "Loan modification" — it represents 25.1% of all complaints. Most complaints originate from California.
Know Your Rights with U.S. Bank
File a CFPB Complaint
If U.S. Bank is mishandling your mortgage, file a complaint with the CFPB. U.S. Bank currently responds to 99.2% of complaints on time, ranking #38 of 75 servicers.
Send a Qualified Written Request
A qualified written request asks about servicing your mortgage account. The federal servicing guide explains which requests are covered, where they go, and the response requirements and exceptions.
Get Free Housing Counseling
A HUD-approved housing counselor can review U.S. Bank's actions on your account, help you negotiate, and guide loss mitigation options — at no cost. If you're in California (their highest complaint state), find local help.
Find Legal Aid
If U.S. Bank is violating federal servicing rules, a legal aid attorney may represent you for free. A complaint record describes reported problems, rather than a finding about your account.
Letters about your mortgage account
A qualified written request asks about servicing your loan. A notice of error identifies a servicing error. Federal rules have different requirements and exceptions for these letters; the guide to your rights explains them.
Disclaimer: Complaint counts reflect consumer-reported issues submitted to the CFPB and do not indicate wrongdoing. This data is provided for informational purposes only and should not be construed as legal or financial advice. Complaint volume correlates with servicer size — larger servicers with more customers naturally receive more complaints.
Questions about U.S. Bank
How many complaints does U.S. Bank have?
U.S. Bank has 9,097 mortgage-related complaints in the CFPB database since 2012, ranking #11 out of the top 75 mortgage servicers by complaint volume. Their timely response rate is 99.2%, which is above the 98.8% average across the 75 largest servicers. Complaint volume was roughly stable between 2024 and 2025. Their 11.5% consumer dispute rate is above the 8.3% industry average, suggesting more borrowers disagree with U.S. Bank's complaint responses.
What is the most common complaint about U.S. Bank?
The most common complaint category is "Loan modification,collection,foreclosure" at 25.1% of all complaints — loan modification, loss mitigation, and foreclosure disputes. Borrowers report delayed modification decisions, lost paperwork requiring repeated submissions, and dual tracking — where the servicer pursues foreclosure while a modification application is pending. The most frequently cited specific problem is "trying to communicate with the company to fix an issue while managing or servicing your loan" (2.2% of complaints). The second most common category is "Trouble during payment process" at 22%.
Has U.S. Bank faced any CFPB enforcement actions?
We don't list a CFPB enforcement action against U.S. Bank. Our list is curated, so that isn't a finding that none exists; the CFPB enforcement page is the full record. The database includes 9,097 complaints, ranking #11 by volume among the 75 largest servicers. You can file one at consumerfinance.gov/complaint; the CFPB sends it to the company, where the company can respond through the CFPB process.
How do I file a complaint against U.S. Bank?
File at consumerfinance.gov/complaint. Select "Mortgage" as the product type and name U.S. Bank as the company. Select "Conventional home mortgage" as the sub-product — 26.2% of complaints against U.S. Bank fall in this category. Describe your issue in detail — include dates, account numbers, and any written correspondence. The CFPB forwards your complaint to U.S. Bank, where the company can respond through the CFPB process. You can also send a Qualified Written Request (QWR) under RESPA § 6 directly to the servicer, which has requirements and exceptions explained in the linked guide.
What does the timely response rate mean for U.S. Bank?
The 99.2% timely response rate means U.S. Bank responded to that share of complaints within the CFPB's applicable response window, ranking #38 of 75 servicers. The industry average is 98.8%. The share of complaints closed with monetary relief was 8% and 16.1% in non-monetary relief (such as account corrections or fee waivers). "Closed with explanation" — the most common outcome at 73.3% — means the servicer responded but did not necessarily resolve the borrower's issue.