Consumer complaint received 2024-07-27
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (CA)

XXXX : called XXXX to ask how my daily ATM limit could be exceeded & why it was denied, as I tried to transfer funds from US Bank to XXXX & got into argument with Banker who argued about fraud & ordered 2 new cards then hung up. 
XXXX : called same # and asked why I couldn't withdraw or transfer any funds from either account. found out that the banker on XXXX opened a fraud case on my account without my initiation. I told Rep that I didn't open a fraud case & was informed that US Bank would be terminating my accounts & checking account was " under review ''. wasn't given a timeline as to when that would end & I informed Rep that XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXe on the XXXX, & this freeze of checking would impact my driver 's license, passport, & residence. Rep gave scripted answer as to " when review is complete, a cashier 's check will be mailed to you. '' XXXX : Rec 'd letter stating that there was NO fraud & a 2nd letter stating US Bank was closing my checking account. 
XXXX : visited XXXX XXXX CA branch & spoke with branch mgr ( XXXX XXXX XXXX re date of review completion, account closure, & cashier 's check. She said she couldn't give me any more info than call center did & gave me the name/number of Fraud Liasion Center ( `` FLC '' : XXXX ). 
XXXX : called XXXX & asked as to the status of the review & the fraud case that I didn't open. Was given the scripted answer of " Checking Account is Under Review & there's no date of when it will be completed, funds are frozen in checking account ''. I informed them that I had rec 'd a letter from XXXX XXXX saying that my driver 's license and passport were in jeopardy due to late payment & rent was missed. FLC Rep had no reply. So I asked " If this is connected to my ATM Debit Card associated with my Checking Account then why can't I access my funds from Savings, as Savings is a COMPLETELY different account and debit card? '' FLC Rep had no reply and said " BOTH accounts are under review with indefinite date for closure & no date as to when my funds will be returned '' ( total of {$120000.00} ). 
XXXX : called FLC to request update & got runaround as I was forwarded from one department to another & finally given the scripted answer of " being under review '' with no date as to when it will be completed. 
XXXX : called FLC again & rec 'd no update on no access to funds. Told to call " Cafe Customer Experience Center '' ( " CCEC '' : XXXX ) for further updates. NOTE : Rec 'd letter from XXXX XXXX saying my Driver 's License was due to be suspended on XXXX. Rec 'd 3-day " Produce Payment or Vacate '' notice on my house door, from Landlord. 
XXXX : called CCEC & was told that they would " expedite my requests '', but nothing has been done. 
XXXX : Nothing has been done with either account. It's now 18 days since US Bank opened a fraud case on my account with NO EVIDENCE of fraud & not initiated by me, 18 days in suspense & review, 15 days since I rec 'd a letter saying that my checking account was closed, & no access to ANY funds ( checking or savings ). I will be losing my license in 4 days & landlord will begin eviction process. The original deposit of funds represents 23 years in Public Service & was supposed to help me " catch up '' on bills & other financial obligations. US Bank has NO RIGHT to withhold my funds & I would appreciate the ability to walk into my local branch & collect my cashier 's check there, rather than it " get lost in the mail ''.