Consumer complaint received 2026-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: NV

Complaint narrative:
On XX/XX/year> I deposited a XXXX XXXX XXXX check for {$3500.00} and change for a restitution settlement from a local attorney into my US Bank Checking account at the local US Bank location on XXXX XXXX in XXXX CA. I was told the full amount would be available the following day. On XX/XX/year>, I received a notification that the funds were available. I transferred them to my US Bank savings account. Within hours, the deposit was removed from my account with no explanation sending my checking account negative almost {$3500.00} and my account was locked. I was told I had to wait 48 hours for it to be unlocked and there was nothing they could do. Additionally, I was told upon calling in that the check probably bounced and I would be on the hook for overdraft fees due to the negative balance. I was there when the attorney wrote the check from a trust with millions of dollars available and this caused a cascade of legal issues with the court and a case that was supposed to be dismissed upon receipt of payment. Additionally, the locking of my account caused significant financial distress because I was hundreds of miles away with no access to funds. On XX/XX/year>, I waited more than an hour at a US Bank branch while the manager called XXXX who obviously verified the funds, and then after another long wait, US Bank reversed the reversal and deposited the funds from the check back into my account. Upon trying to access my account again, it was then re locked for 48 hours with no explanation. During the subsequent week, I tried to make many important transactions, but was left stranded or without food multiple times because US Bank kept declining the transactions over and over with no explanation. Barely 50 % of the time would the transaction go through. I contacted customer service multiple times and spent more than 30 minutes on hold each time ; and was told they didnt see any declines. It was only after waiting some more that fraud department ( who I asked to speak to to begin with ) confirmed the declines. They stated they fixed it and it would not happen again. Last night I ordered food, and upon trying to pay for it, my card declined. I tried again and it was declined, forcing me to leave the food there and not eat dinner since I didnt have an alternate payment method available. Upon trying to login to my US Bank account, my account was locked again for 48 hours. I called today, was told I would speak to fraud, and after another hour on hold between 2 representatives, I was never transferred to fraud. I was told they could transfer me again, but that there was nothing they could do and there were 45 customers ahead of me. US Bank has caused significant financial losses, distress, and caused significant disruption in my ability to function daily. U want this issue corrected, and to receive a courtesy compensation/credit, or I will be permanently closing my account.

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