Consumer complaint received 2019-06-21
Company: U.S. BANCORP
State: AR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
XXXX XXXX. 

ISSUE : Formal Complaint about a wrongful account closure, holding my funds from me, and HORRIBLE treatment by US Bank employees. 

On XX/XX/2019 I decided to open a checking account with US Bank. My initial deposit was at LEAST over {$3000.00}. I thought that it was a great Bank of Choice and then I would be treated fairly as a valued customer. 
This simply was not the case .... 

( I would love to attach my transaction history and account information to this, but unfortunately US Bank has made it impossible for me to access this information using my mobile app or any other form of banking to access ANYTHING concerning my account. ) Not in the least way was this the case. I have found out over the past few days that being treated like a respectable human being just trying to do their normal banking activities would be impossible with this is financial Institution. 
I was treated like a second-class citizen who's priorities, safety, and sense of security and knowing that a financial institution had my best interest at heart, did not matter to the u.s. bank branch that I signed up with. 

My account has now been undeniably wrongfully CLOSED. After being FROZEN while I was across the country for vacationing purposes. 
In California, right before I flew to XXXX I was told by US Bank customer service that I had to talk to someone at my home branch, which is in XXXX XXXX Arkansas. The branch is located on XXXX XXXX XXXX in downtown XXXX XXXX. 
Upon calling in the employee named XXXX told me she would call me right back after she found out more information because she could find nothing blocked on her end. 
I never got a call back instead I waited until literally the day that I arrived back in Arkansas and went straight to the bank to figure out what the issue was and how to get my account so that I could access my funds. 
I was told by the teller I'll have to speak to one of the two Bankers that were there in the manager was absent until the upcoming Monday. 
The two Bankers that I spoke with were very very very very rude and told me that my account has been closed due to fraudulent activity. Funny because there was no fraudulent activity on my account. 

The only instance of fraud was on the incident that XXXX charged me two times for an item that I only purchased one time. This was not fraudulent, this was just a technical mistake I guess you would call it. 

Another is when I first open the account there were a few minor minor charges, nothing over like {$12.00} Max that were made using XXXX XXXX because my XXXX account was signed in to another person 's phone and they mistakenly made these purchases using my XXXX account information. 

These very minor and simply solved issues should be no reason for my account to be closed out of nowhere unexpectedly and then to pour salt in the wound and telling me that I can not have my cash that is in my account because they are in the " process of closing my account '' when I asked when it would be closed or who I could speak to to get it closed faster so I could access my funds, or EVEN ask her what the reasoning was for this, she was very short very rude and told me there was absolutely no way on Earth that I could get my funds. 

I would have to wait WEEKS possibly MONTHS to receive a cashier 's check for the amount of my remaining balance in my account. 

THIS IS RIDICULOUS AND UNBELIEVABLE. 
THE EMPLOYEES AT MY HOME BRANCH COULD HAVE EASILY AND STILL CLULD EASILY REMOVE THE BLOCK ON MY ACCOUNT. 

This would allow me to get my funds out that I have in my US banking account that are rightfully mine in my account of their system and into pocket, or other financial institution, so I can use it for things like rent food gas and everything else people trust their Bank to hold their money for them to use for. 

The issue begin around XX/XX/XXXX. I had been traveling to California, and being Arkansas resident I definitely had set a travel alert on my US bank mobile at so that nothing would be flagged for unusual activity on my account. 

Well on XX/XX/XXXX I tried to take a XXXX ride like I had been doing using my u.s. bank debit card. I was unable to do that and the app told me me to contact my financial institution. 

I contacted US Bank approve the charges on the list and was told that everything would work fine. But this was simply not the case I ended up having to call US Bank three to five times before my card would work using XXXX again. 
This probably makes it look like there was a lot of fraud activity on my account, but in actuality there was no fraud like this on my account. I tried to correct the issue and did everything asked of me by US bank. 
If the employees who placed a block on my account would have actually taken the time to listen to me explain the situation I would not be in this dire predicament because of these employees and their lackadaisical attitude toward me and my finacial matters. 
After thinking the issue had been resolved, I tried to use my card somewhere else and it did not work a phone calling US Bank customer service back yet again I was told to go to a US branch in California, where I currently was located, and get them to make me a new temporary card. 

I went to a California u.s. Bank branch and was told that I had to go to my home location where I open my account and it only they could resolve it. 
This makes things a little difficult considering the fact that I'm thousands of miles away from my home location. 
I called my home location and was told that I had to be there in person or nothing could be done, but if I came in person that I would have no issue with getting my money out and fixing my account. 

This was a flat-out LIE, as I flew home went to the bank and then all of THIS account closure MESS happened, and I was informed after my second visit yesterday ( XX/XX/2019 ) that my account was being closed and that I would not be able to get my funds, unless I wanted to wait WEEKS or months after the account closure was completed and receive a cashiers check. 

ALSO she refused to give me ANY date as to when the account closure process MIGHT be completed. 

As I stated before, This is TERRIBLY wrong and it feels like I am being ROBBED by the people whom I trusted my money with. 

I want my money now in CASH, and a sincere APOLOGY from US bank!!! 
I do not want to have this account anymore. I don't want to ever do business with such XXXX people who have no concern for my wellbeing ... 
It's disgusting and they cause SERIOUS issues for those trusting people who put their business in line with this crooked Institution. 


I have a XXXX  XXXX XXXX account and I would rather do business with them. US Bank owes me an apology and I deserve to have access to my funds IMMEDIATELY. I just want my funds now. 
My money is mine and there is no sense in all of this confusion and Madness caused by u.s. bank and their lack of customer service interaction and understanding. 

I've never seen anything like this in my life and everyone I talked to agrees that I've been treated severely wrong and that this matter needs to be resolved on the highest level possible, so u.s. bank can not do this to any more customers like me. 

Thank you for taking the time to read my formal complaint and request for my horrible situation that I'm going through right now with the financial institution, US Bank. 

XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation