Consumer complaint received 2023-01-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
Ive been banking with US bank for over XXXX years. I recieved a check as payment from someone I personally know. The check seemed a little fishy but it was directly from the XXXX XXXX because they are covering this persons rent paying for it directly. I did my due diligence including calling the issuer. This was a PROVEN TO BE A COMPLETELY LEGITIMATE check. I deposited it in my account. XXXX hours later I recieved an email saying the check was reviewed, AND ACCEPTED. I withdrew {$200.00} of the {$1500.00} check. 

The next morning I log into my account and its locked and Im told to call a XXXX number. I call the XXXX number and they give me the run around and eventually transfer me to my local branch to a gentleman named XXXX. XXXX is very confused why they transferred me to him and he seems stumped. His lack of knowledge made me wonder if I was actually even speaking with a genuine representative of US bank. I explained the situation and he said THERE IS NO RECORD OF THIS CHECK and was very adamant that I was wrong and that THEY NEVER RECEIVED IT until I was able to show him the email sent directly from US Bank that says YOU CHECK DEPOSIT WAS ACCEPTED because only then did I withdraw anything.I wasnt going to attempt to withdraw it until it was approved as it was. After I called XXXX out on this he was stumped and didnt know what to do so he placed me on hold for a XXXX or XXXX. 

When he came back he said very nonchalantly oh that account has been closed. I said excuse me what do you mean? Wheres my money? What do you mean my account has been closed? And he DIDNT HAVE ANY ANSWERS! He said we will send you a letter in a few weeks explaining all that. When I asked him any other questions he just refused to answer them or played XXXX. When I said what about my money!? He said oh actually you owe us money now. I almost fainted. I cant believe the gall of this man to not only tell me that I no longer have access to the money that I rightfully earned, he wanted more money from me!! 

I spent XXXX hours today starting at XXXX attempting to contact them whether via social media, email, or phone eventually they quit responding on all channels. 

Its disgusting to me how little they care and how they in fact seem to get off by leaving their victims helpless. They have XXXX regard for the fact that I have bills due Monday and have absolutely no access to my money with no answers as to if/ when/ how Ill get my money back. 

I just want my money back and I want the world to know how they will do this to anyone. I do not wish to bank with them any longer after this experience - I know they will take everything from me without any answers at their next given opportunity. I have been loyal to this bank for over XXXX years, Im a XXXX and I am a very successful XXXX XXXX. I have brought nothing but legitimate checks from various businesses, employers, institutions, and persons as well as legitimate direct deposits from companies like XXXX, XXXX, XXXX, XXXX, XXXX, etc. for well over XXXX years. Never once in my life have I ever done ANYTHING fraudulent, not only with this bank but with anyone, ever. Hypothetically if the check was fraudulent, in this case I would be the victim - not the criminal. How dare you treat me like 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