Consumer complaint received 2026-06-22 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Banking errors
Company: U.S. BANCORP
State: CA

Complaint narrative:
PORTAL NARRATIVE U.S. Bank Official Check # XXXX U.S. Bank 's fraud and risk reporting infrastructure contains a structural blind spot : named payees on active official checks have no recognized standing to report risk to the issuing bank. The third-party remitter controls all remedies. The payee, whose name and address are physically printed on the instrument, is invisible to the bank 's intake system. This complaint documents what happens when that gap meets a live instrument with a compromised custody history and a payee who had no way to protect her identity. The underlying transaction was an entity disbursement. I am not asking the CFPB to review the originating entity 's internal governance, administrative rights, or entitlement to funds. I am strictly asking the CFPB to review what U.S. Bank did and failed to do after one of its own official checks entered circulation bearing my identity. What Happened Official Check # XXXX was issued in my name on XX/XX/year>, and mailed via regular USPS First-Class Mail without tracking, without mailing confirmation, and without my knowledge or consent. I was not consulted about how the instrument would be sent. I was not informed until it was already in circulation. A {$5000.00} negotiable instrument bearing my legal name and mailing address entered the public mail stream with zero accountability infrastructure and zero input from the person whose identity was on it. It never arrived. On XX/XX/year> On Day 15 following issuance, I contacted U.S. Bank 's Fraud Liaison Unit not to obtain account information, but to provide it. The Fraud Liaison refused to open a case. No check number was requested. No intake occurred. No mechanism existed for a named payee to submit risk information about an active instrument bearing her own identity. I then filed reports with the USPS Postal Inspection Service and local law enforcement. On XX/XX/year> I executed a notarized Affidavit of Non-Receipt and Non-Negotiation and presented it personally at a U.S. Bank branch in XXXX, California. No intake occurred. XX/XX/XXXX XX/XX/year> I contacted multiple U.S. Bank personnel by email. No substantive response was received. On XX/XX/year> I was informed by the originating remitter without documentation that the instrument had been returned to sender, that a stop-payment had been initiated, that the stop-payment had been reversed, and that the same compromised instrument had been re-mailed. I was not asked. I was not notified in advance. I can not help but consider whether earlier bank intervention, had any reporting mechanism existed, might have prevented that second circulation entirely. The bank 's structural blind spot removed the only friction that might have stopped it. When the instrument arrived by Certified Mail on XX/XX/XXXX, I was handed an impossible choice. Accept it and contradict my sworn affidavit, waive all objections to the 29-day custody gap, and absorb every unresolved risk alone. Or refuse it, and watch the instrument re-enter circulation, my PII remain exposed, and control return to the party that created the problem. I refused. There was no option that protected me. On XX/XX/year> I contacted the Fraud Liaison Unit again. Still no meaningful intake occurred. Later that day, I reached branch personnel directly at the issuing location for the first time. I submitted affidavits, police reports, USPIS confirmation, and a complete chronology. U.S. Bank 's Executive Communications unit acknowledged receipt twice, in identical language, and provided no substantive response either time. The Harm I can not prove the instrument was intercepted, copied, or washed during those 29 days. Neither can anyone else. That uncertainty does not resolve in my favor ; it lives on my shoulders indefinitely. I am not the bank 's account holder. I am not the remitter. I am the person whose legal name and address are printed on a {$5000.00} negotiable instrument that floated untracked and unsecured through the public mail stream for nearly a month without my consent and without any mechanism for me to report the risk. If my PII was compromised during that window, no replacement check cures it. No cancellation retrieves a photographed document. No internal electronic status change eliminates the risk the physical paper continues to represent. The instrument is currently in transit back to the originating party. It has sat processing at a USPS facility since XX/XX/XXXX. When it arrives, I have no visibility into what happens next. The same parties who sent it untracked the first time, who facilitated re-circulation without documentation or payee consent, will have it back in their possession. Nothing has changed structurally to prevent this cycle from repeating. My exposure is not past tense. It is ongoing and I have no mechanism to stop it. I made contact with U.S. Bank across every available channelFraud Liaison, branch walk-in, multiple emails, a second Fraud Liaison call, direct branch contact at the issuing location, and Executive Communications escalation across nearly two months. I filed law enforcement reports. I executed a sworn affidavit. I submitted documentation at the bank 's own request. I did everything available to me. U.S. Bank has never confirmed whether any of it mattered. SEE ATTACHED DOCUMENT " FULL_COMPLAINT_TEXT.PDF '' FOR EVIDENCE AND EXHIBITS.

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