Consumer complaint received 2025-09-06 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am writing to formally file a complaint against U.S. Bank regarding the improper freezing, closure, and mishandling of my checking account ( Account Number : XXXX ), resulting in the permanent loss of funds that I believe are rightfully mine. I have been a loyal U.S. Bank customer for multiple years without any issues, and this experience has not only been financially damaging but also extremely distressing given my personal circumstances. 

Summary of the Incident : In XX/XX/XXXX, shortly before XXXX, my father issued a check for {$600.00} to assist with my portion of rent. The check was written from his business account with XXXX Bank from his company which is named " XXXX XXXX XXXX. '' The check was made out to my roommate, XXXX, not me directly. However, I had my father 's full permission, as well as my roommates permission, to receive and deposit the check on their behalf. 

Due to my location at the time ( I was in XXXX XXXX, CA while my roommate was in XXXX XXXX, CA. ) I was unable to physically meet XXXX or visit a U.S. Bank branch together. I made the honest mistake of signing my own name on the back of the check in an attempt to endorse it, unaware of proper check endorsement procedures, believing at the time that this was how to correctly process a third-party check. I had never endorsed a check before and had no malicious intent whatsoever. 

Bank 's Response and Mishandling : After mobile depositing the check, U.S. Bank partially credited my account, which reassured me at the time that the deposit was accepted. However, within XXXX XXXX, my debit card was declined, and I lost all access to my mobile banking and ATM services. I contacted U.S. Bank and was informed that my account was frozen due to a check investigation. 

What followed was a multi-month investigation ( lasting approximately XXXX months ) during which I was given no clear updates, only reassurances to wait it out. I visited a U.S. Bank branch in XXXX XXXX, CA with my roommate XXXX to explain the situation and clear up any confusion with my checking account and the check. My father also contacted U.S. Bank multiple times, confirming that he had written the check and authorized me to use the funds. 

Eventually, a representative informed me that the account had been closed on XX/XX/XXXX, and I would receive the remaining balance of {$370.00} by check to my address on file. However, after weeks of waiting, no check arrived. Upon follow-up, I was told a check had been issued, and later I was told no check had ever been issued and that I would not be receiving the remaining funds due to the improper endorsement. 

Why This is Unfair and Unjust : This situation has placed an enormous burden on me, both financially and emotionally. I relied on this account to receive class action settlement payments via XXXX, which I can no longer access. I have faced financial hardship over the last year, and this has made it significantly worse. I have exhausted every reasonable avenue to resolve this with U.S. Bank. 

Despite my clear explanation and supporting parties ( my roommate and father ), U.S. Bank has shown : A lack of transparency throughout the investigation, failure to properly communicate status updates or final decisions in writing, failure to deliver promised funds upon account closure, no due process in allowing me to dispute the findings or reclaim the remaining balance and potential legal and regulatory violations. 

While I acknowledge my mistake in improperly endorsing a third-party check, my actions were made : With no intent to defraud and with full consent of both the check issuer ( my father ) and the payee ( my roommate ), and in good faith, which is a key concept in consumer banking. 

Under California Commercial CXXXXe XXXX, a bank may return or dishonor a check for improper endorsement, but must do so promptly and with clear communication. Prolonged withholding of funds and contradictory statements violate the spirit of fair dealing and customer service. 

Additionally, under Regulation XXXX ( Electronic Fund Transfers XXXX XXXX Part XXXX ), I believe my rights to access funds, dispute transactions, and receive notice of adverse account actions were not respected. 

I have attached supporting documents including : Proof of account closure and proof of remaining balance at time of closure. 

I am filing this complaint out of desperation and necessity. I acted with honest intent and full permissions, and have been denied access to my own money without reasonable explanation or recourse. 

Date of Account Closure : XX/XX/XXXXXXXX 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