Consumer complaint received 2026-05-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
CFPB FORMAL COMPLAINT Institution : U.S. Bank Branch Involved : U.S. Bank XXXX XXXX XXXX XXXX XXXX, CA XXXX Employee Involved : XXXX XXXX XXXX Branch Manager Complaint Type : Denied Access to Funds/ Improper Account Handling / Potential Discriminatory Treatment Complaint Narrative : On XX/XX/year>, I visited the U.S. Bank branch located at XXXX XXXX XXXX XXXX, XXXX, CA XXXX to request a cashiers check in the approximate amount of {$4900.00} from an account with an available balance of approximately {$5400.00}. I interacted with XXXX Branch Manager XXXX XXXX. Despite sufficient available funds, XXXX XXXX refused to process my cashiers check request. He referenced another unrelated account that he claimed was overdrawn and stated he was refusing my transaction because he was protecting the bank. When I requested the written bank policy supporting the denial of access to my available funds, XXXX XXXX acknowledged there was no written policy and stated the refusal was based entirely on his discretion. I then became increasingly concerned when XXXX XXXX stated he intended to contact another U.S. Bank branch to interfere with my ability to complete transactions there as well. Approximately at XXXX XXXX, because I feared losing access to my funds after XXXX XXXX statements, I transferred approximately {$3500.00} via XXXX to my sister, XXXX XXXX, in an effort to protect my access to my money. Approximately at XXXX XXXX, due to fear regarding possible restrictions on my accounts, I transferred approximately {$1900.00} to XXXX XXXX. Approximately between XXXX XXXX and XXXX XXXX, XXXX XXXX contacted the U.S. Bank XXXX XXXX branch in XXXX, California and communicated with employees there, including an employee identified to me as XXXX ( phone number XXXX ). I was informed by XXXX that XXXX XXXX repeatedly messaged and contacted several XXXX branch employees requesting that they block or interfere with my banking transactions despite no documented fraud alert, no written policy, and no apparent legitimate basis for blocking my access to available funds. According to XXXX, XXXX XXXX was blowing up the branch with repeated communications regarding my accounts and transactions. I was further informed that XXXX reviewed my account and found no legitimate reason to deny or block my requested transaction and declined to participate in restricting my access to funds. At approximately XXXX XXXX, I contacted U.S. Bank Client Services regarding the incident and my concerns regarding denial of access to funds and attempted interference with my banking activity. At approximately XXXX XXXX, XXXX XXXX XXXX, Client Relationship Consultant ( NMLS XXXX ), provided me with the contact information for District Manager XXXX XXXX. As a result of this incident, I experienced severe emotional distress, XXXX, fear regarding access to my finances, and fear of retaliation due to bank employees having access to my financial records, personal identifying information, and home address. Following this incident, I experienced an XXXX attack accompanied by profuse bleeding.

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