Consumer complaint received 2024-02-16
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP (MN)

This summary is an addendum to my resend previous complaint about US Bank and what is happening to my accounts there. They say they're doing some review of my accounts and I believe that was due to an attempt I tried to send money through XXXX. I believe that I have done nothing wrong or out of my rights to send money to those I choose to. And I believe I've done nothing wrong. I have called you a spank recently to find out the status of their review, the rep checked got back to me and said it's still under review but there's still hope she said. However all of my bank accounts with US Bank are frozen due to this review, and I'm afraid I'm going to be on the verge of financial room very soon. These accounts will not take any deposits such as from my retirement or pension which is coming up soon, and the bank has already retracted several payments that I had made to my XXXX small credit cards so that I can remain in good standing with them with my credit. Whoever because you spank has retracted my payments, I have no credit with these credit cards and it is in the negative with all three. I believe this is stemming from the conversation that I had with the bank couple of weeks ago because I could not get into the online banking app. I called the number and was directed to the department that checks on transactions, and I spoke to a young man there, who insisted that it looked like had done something wrong and sending a particular XXXX  payment. The payment was not sent, and I believe it was because I did not put the last name of the person who I had designated to receive the XXXX payment on the form and that was optional. And so when I spoke to the young man, I felt that he had preconceived notions and that he is overreacting about possibly a fraud on Bank accounts, as I do know that is prevalent these days and they probably have to follow other rules that I didn't even know about. He said at the time that he was definitely going to close all my bank accounts but I would receive a cashier check of all my money that is currently in the bank. Whoever this was XXXX weeks ago, and this review is still going on with US Bank, and meanwhile I believe I'm trying to face financial ruin. The accounts will not accept my retirement from Social Security nor my pension, as it has already closed any possibility of other checks coming in to be deposited to my account such as from my dog insurance claim that was supposed to be refunded to me recently, and also the state of Minnesota rebate that I learned had been sent to the banks recently. I believe this is no way for the bank to treat a long time 40 year plus loyal customer, who's only trying to do the best thing for my own finances. and so I would expect the bank to wrap up their review quite soon so I can resume accessing my hard-earned money, and if they're not going to do that, then I certainly would like the bank to close all my accounts and refund all of the money that I have in the bank in a cashier check, hand delivered for my signature, so I will not lose it. This is what the young man had told me XXXX weeks ago. I can not bear this difficulty much longer, is my mortgage payment will be coming up very soon by the way I change that to a different mortgage company last year because was a better deal than what you spank had offered me. And so this is putting undue stress on my life, and I am very much worried about not being able to pay my obligations in the very near future. In addition XXXX years ago I was scammed by a fake Home improvement company, and the bank didn't do anything about it even though I'd requested their help. But they did send me copies of the checks that I signed, and said oh you signed them anyway didn't you? Unfortunately I was not able to go after those Home improvement scammers XXXX  years ago because they had a fake business address. And so I could not Sue them, however I did find out in that case that they cashed to the checks on the XXXX  district of New York city, and the other one at a shady check cashing business. And because these scammers 2 years ago had very strong Irish accents, I believe that they went back to their home country with their spoils, and that's what the city of XXXX also believes it happened to them too also XXXX years ago And so I'm hopeful that when I can get access to my funds again but I will be able to hire some lawyers to help me with this other subject scam that happened XXXX years ago. I really hope that cfbp can make sure that our good Banks do not scam us due to their nasty reps in their fraud department.