Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: MN

Complaint narrative:
My name is XXXX XXXX XXXX dob XX/XX/XXXXXXXX  SSN XXXX, I have a XXXX XXXX XXXX  with US Bank XXXX XXXX XXXX is XXXX XXXX XXXX XXXX my XXXX # is XXXX, my account # is XXXX my Routing # is XXXX. However been with US Bank since XXXX, however in XXXX of XXXX my debit card were stolen and use for fraudulent transactions, in XXXX of this year ( XXXX ) I filed some disputes for the fraudulent transactions that took place on my account I was told that it takes no more than 90 days to complete, a week later I went into the US bank branch in XXXX XXXX Minnesota to make a withdrawal and I was told from the banker that it was a hold on my account and that I need to call the Fraud department, once a spoke with the fraud department they informed me that I hold was placed on my account because I filed a claim on my money that was stolen which was in XX/XX/XXXX, this information made no sense to me because I did what you supposed to do when your account gets hacked by someone who not you, the XXXX department also informed me that they will be closing my accounts as well after the claims were done processing. I ask the fraud department why is my account being closed they said they dont have no information for me and that they dont want to do business with me or my company XXXX XXXX XXXX and XXXX funds would be sent to me in the form of a check once the investigation is over. 3 months passed and the investigation been resolved in XXXX, theres no funds going nor coming into my account from the provisional credit I received from US Bank but yet my account still have a hold on it and I cant use my funds which i really need them this is slowing up my business by holding my funds for nothing, I have went into the branches many of time and called the fraud department and risk management team and dont nobody have any news for me they all keep saying my account is still open but I can not use it nor get access to my money thats in my account which is outrageous, I was told back in XXXX my account would be close and Ill have my funds sent to me in a cashier check, however its been 7 months and I still havent received anything not even a letter from US Bank I feel like US Bank not being inconsiderate when it comes to my money and business. I call US bank almost everyday to ask them can they place close my account and send me my funds, everybody I talk with they tell me that they cant do nothing for me the saying it closing once the claim was done there however those claims been done back in XXXX and still Im not able to use my account nor take my money out of my account. Im getting frustrated because us bank not closing my account or sending my business funds that I work hard for but still nothing I just want this acct close and my funds it been going on for almost 7 month this is terrible please help me get my money back from US Bank

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