Consumer complaint received 2026-05-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: U.S. BANCORP
State: CA

Complaint narrative:
Dear CFPB, I am filing this complaint against U.S. Bank regarding the closure of my checking account and U.S. Banks failure to properly return my remaining account balance. U.S. Bank closed my checking account without my prior knowledge or meaningful notice. After closing the account, U.S. Bank issued a check for the remaining account balance. However, before mailing the check, U.S. Bank did not verify my current mailing address with me. As a result, the check was mailed to the old address, and I did not receive it. I believe the check has been lost or is no longer in my possession or control. After discovering this issue, I contacted U.S. Bank by phone and clearly informed them of my updated mailing address. I requested that the remaining balance check be reissued and mailed to my correct current address. However, despite my phone communication with XXXX Bank and my request to correct the mailing address, the replacement check has still not arrived. As of today, I am still waiting for XXXX Bank to return the remaining funds from my closed checking account. This situation has caused me significant inconvenience and concern. The funds belong to me, and U.S. Banks handling of the matter appears unreasonable. In particular : 1. U.S. Bank closed my checking account without providing me with adequate prior notice or explanation. 2. U.S. Bank mailed the balance check to an old address without first verifying my current mailing address. 3. The check was lost or not received due to U.S. Banks failure to confirm the correct address. 4. After I contacted U.S. Bank and provided my new mailing address, U.S. Bank still failed to deliver the replacement check in a timely manner. 5. I still do not have access to my own account balance. I respectfully request that CFPB investigate this matter and require U.S. Bank to take prompt corrective action. Specifically, I request that U.S. Bank : 1. Immediately cancel or stop payment on the check that was mailed to my old address, if it has not already been cashed ; 2. Confirm in writing the amount of the remaining balance owed to me ; 3. Reissue the balance check and mail it to my correct current mailing address, or provide another secure method for returning the funds ; 4. Provide a clear written explanation of why my checking account was closed ; 5. Provide a clear written explanation of why the check was mailed to an old address without verifying my current address ; 6. Confirm the expected delivery date and tracking information for the replacement check, if available. I have made a good-faith effort to resolve this matter directly with U.S. Bank . However, the issue remains unresolved, and I still have not received my funds. I therefore request CFPBs assistance in ensuring that U.S. Bank promptly returns my money and provides a proper explanation for its handling of my account closure and balance check.

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