Consumer complaint received 2022-06-25
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
US Bank Checking Account # XXXX US Bank Debit XXXX # XXXX Date of Birth : XX/XX/1990 Last 4 Digits of XXXX : XXXX Address on File : XXXX XXXX XXXX XXXX, XXXX XXXX, CA, XXXX, USA Email Address on File : XXXX Phone Number on File : XXXX -- - To whom it may concern, I was traveling internationally for the period of XX/XX/XXXX through XX/XX/XXXX. On the XXXX, I logged into my US Bank online app in order to mobile deposit a check. I noticed the app gave me the error that " mobile deposit is not available for this account at this time, '' and I was promoted to call customer service. 

On XX/XX/XXXX, I called customer service at US Bank, was notified a restriction has been placed on my account, and was transferred to the fraud department. After talking to an agent from the Fraud Liaison center, I was informed a branch manager somewhere in Illinois named XXXX XXXX has placed a restriction on my account as of XX/XX/XXXX. No reason was given ( or noted on the account ) as to why a restriction was placed. Interesting thing is my address is in California, so I have no idea what a branch manager somewhere in rural Illinois has to do with my account... 

The agent from the Fraud Liaison center speculated that it may be due to the small deposits made into my account from XXXX XXXX XXXX. I explained to the agent on the phone that these are cash back I have earned through purchases made via XXXX XXXX that are being deposited into my US Bank account. The agent was convinced. The agent was unable to contact XXXX XXXX, as she seemed to have been out of the office for quite a while... 


Interestingly, on that same day ( XX/XX/XXXX ) that my account at US Bank was restricted, my brokerage account # XXXX at XXXX XXXX was also restricted. Even though this is still not confirmed, as XXXX XXXX is not giving me much information regarding the issue, I highly doubt this is a coincidence, as there were ACH Transfers ( large amounts ) that occurred between my US Bank and XXXX XXXX accounts in the past 2/3 months, and I am concerned the restriction at XXXX XXXX was placed at the instruction of whoever placed the restriction on my US Bank account... 

I, hereby, request US Bank to provide me with a CLEAR lawful reason as to why a restriction has been placed on my account, and the money in my account is being held hostage with no explanation or clear instructions on how to rectify the matter. As far as I know, I am not under investigation by any federal or state agency, and there are no judgements/court orders against me that would obligate the bank to make my life miserable. 

Secondly, if the agent at US Bank has also caused issues for my account at XXXX XXXX, I, hereby, request that contacts be made requesting my funds at XXXX XXXX to be released, and all the previous instructions to be reversed... 

Please contact me, promptly, if you need more information, or you need to discuss further steps to release my money, and my accounts. 

Sincerely, -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