Consumer complaint received 2024-02-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: ND

Complaint narrative:
I have been dealing with US bank since XXXX of XXXX  is when it got bad of them locking me out of my account. They have told me XXXX different stories in 1 day including : the problem was on their end check back later afternoon, it could be a XXXX hour problem thing, and then that I'm locked out and it will be for XXXX hours and they can't tell me why. They told me it was because there were payments they needed to verify, and then in the next breath told me that there had only been XXXX since the time of the lock out that they already had me verify. When I pressed as to what else was needed to be verified they said I was right there wasn't any other payments but couldn't tell me what else. Even the local branch found this suspicious and decided to get involved and call for me the first time they investigated and asked questions, corporate hid things from then when they came asking on my behalf and also stated they saw nothing of concern that would cause a lockout and it was simply unfair and puzzling. The next morning they were finally able to get it unlocked and I was ale to get in for long enough to get a screen shot of my accounts and then was locked out again. I again went through many calls with different answers and was then told it was because my main email I changed back to was linked to when we had fallen victim to XXXX scams and it took us filing with I believe the CFPB or someone and over a year for them to refund the full amount. I had been using that email for many months so why now it was causing issues I don't think was the true reason as that never fixed the problem and it became weeks to a month of not being able to access my accounts online. 
I was accused several times over this whole ordeal of money laundering scams, although I was a victim in the XXXX scam and we had to fight over a year to have all of our money returned from the financial institution, they told me they started cases to fix the issues and next time I called and referred to this there was never any case started, the guy that was supposedly handling my case in the fraud department never would call me back I stopped trying to get a hold of him after the XXXX attempt, the last case number they gave me was never followed up on, and when I closed my accounts with them they never turned off my debit cards. They then hooked up all of my debit cards for my individual account to my joint account with my husband without anyone 's authorization. I received an email on this and I called on this as well as the representative said that he did not know why I got those emails as no card of mine was hooked up to that joint account, however the XXXX of this month my card to a closed account was used to pay my streaming services through our joint account and I have never set up that account to that service or that card to that account. I called US bank and they said none of the closed account debit cards were turned off and asked if i had authorized this or for those cards to be linked to that joint account to which i said I was never asked about it, signed on it, authorized it, etc XXXX and she said verified that she did not know what they were doing but that is not right. 
There has been alot of misinformation, lies, unauthorized moves, etc... done by this bank and no one to answer for it.

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 monetary relief