Consumer complaint received 2026-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am filing this complaint regarding my U.S. Bank checking and savings accounts. Over time, numerous overdraft fees, non-sufficient funds ( NSF ) fees, monthly maintenance fees, and other account charges were assessed to my accounts. I repeatedly contacted U.S. Bank seeking explanations, fee relief, and assistance in preventing additional charges from accumulating. Although a small number of fees may have been waived, many charges remained despite my efforts to resolve the situation. I requested information regarding the fees being charged, how those fees were calculated, whether fee increases or account changes had occurred, and whether proper notice had been provided. I do not believe I received complete or satisfactory explanations regarding all fees assessed to my accounts. During my efforts to resolve issues with my U.S. Bank accounts, I was provided conflicting and inaccurate information by bank representatives. In discussions with the credit card department, I was informed that my secured credit card account was being closed and that remaining secured funds would be returned after pending transactions cleared. However, I later discovered that the account information I was given was inaccurate or incomplete. Additionally, I recently discovered that my checking and savings accounts had been closed without my knowledge or advance notice. I was not provided with a clear explanation regarding when the accounts were closed, why they were closed, what notices were allegedly sent, or why I was given conflicting information regarding the status of my various U.S. Bank accounts. Because I relied on information provided by bank representatives, I was unable to make fully informed financial decisions regarding my accounts. At one point, I had approximately {$25000.00} on deposit with U.S. Bank. Based on my understanding of the banking relationship and the information provided to me, I did not anticipate the extent of the overdraft fees, maintenance fees, and other charges that were ultimately assessed. The continued accumulation of these fees contributed to financial hardship and ultimately resulted in the loss of my banking relationship with U.S. Bank. Despite numerous calls to customer service seeking assistance, explanations, and fee relief, I was unable to obtain a complete accounting of all fees charged, a satisfactory explanation for the account closures, or meaningful relief from the excessive fees that accumulated on my accounts. I am requesting that U.S. Bank conduct a complete review of all overdraft fees, NSF fees, monthly maintenance fees, and other charges assessed to my accounts ; provide documentation showing when any fee increases or account changes were implemented and how notice was provided ; provide a written explanation regarding the closure of my checking and savings accounts ; review customer service communications regarding my accounts ; and refund any excessive, unsupported, improperly assessed, or inadequately disclosed fees and charges. I am aware that consumers have rights to receive accurate information regarding account status, fees, account changes, and account closures. I am requesting that U.S. Bank provide documentation demonstrating compliance with all applicable consumer disclosure and notification requirements, including any notices regarding fee changes, account maintenance charges, and the closure of my checking and savings accounts. If notice was provided, I request copies of those notices and the dates they were allegedly sent.

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