Consumer complaint received 2026-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: NY

Complaint narrative:
WHO I AM AND WHY THIS MATTERS I am a non-resident alien from XXXX, XXXX holder, with a valid government-issued passport. My wife is a US Permanent Resident since XXXX who served as a XXXX frontline worker. My daughter is a US-born citizen. My newborn son was born in XX/XX/XXXX in the middle of the financial crisis described below. I have had no personal checking account since XX/XX/XXXX. I can not properly support my family. This is not a paperwork dispute. This is what happens when a bank makes an error, admits it, reverses its own fee to prove it, and then reports the customer as a fraudster anyway. CORE ISSUE US Bank placed an unauthorized check order without my knowledge, shipped it to the wrong address, caused a {$93.00} overdraft, admitted the error on a recorded call, reversed my overdraft fee as documented proof of that admission, then reported me to XXXX XXXX XXXX as " Closed For Cause '' implying fraud and has refused to correct it. This single false report triggered a snowball of financial destruction that continues to this day. WHAT US BANK DID DOCUMENTED XXXX. Unauthorized check order shipped to wrong address On or around XX/XX/XXXX, XXXX XXXX XXXX sent me an order confirmation ( Order # XXXX ) for business checks ordered for my account. I did not place this order. US Bank placed it. The checks were shipped to my LLC 's registered agent address in XXXX, NM a legal/administrative address I never authorized for check delivery. US Bank was correctly using my XXXX mailing address ( XXXX XXXX XXXX XXXX XXXX XXXX ) for all other correspondence, including the business debit card mailed XXXX XXXX, and multiple identity letters mailed XX/XX/XXXX, and XXXX. They had the right address. They used the wrong one for the checks. XXXX XXXX own Order Resolution XXXX, XXXX XXXX, confirmed in writing on XX/XX/XXXX : " Thank you for your recent order, that your bank placed for you. '' The checks were returned undeliverable. XXXX issued full Credit Memo # XXXX reversing the entire {$93.00} charge. 2. The {$93.00} unauthorized charge caused the overdraft The {$93.00} XXXX charge was electronically debited from my account on XX/XX/XXXX ( confirmed on the XX/XX/XXXX US Bank statement ). My account balance was {$0.00}. This single unauthorized charge pushed the account to - {$93.00} and triggered the overdraft. US Bank then charged a {$36.00} overdraft fee. I did not cause this. US Bank caused it. 3. US Bank admitted the error on a recorded call and reversed the fee On XX/XX/XXXX at XXXX XXXX, I called US Bank Authentication ( XXXX ). The call lasted 1 hour and 6 minutes ( documented on XXXX XXXX call log ). I presented the XXXX email confirming the bank placed the order. The banker admitted the error originated on the bank 's side, stated NSF fees would be refunded, and confirmed a correction request had been submitted. The US Bank XX/XX/XXXX statement shows : " Overdraft Paid Fee Refund : {$36.00} '' on XX/XX/XXXX. Banks do not refund overdraft fees to customers who caused the problem. This refund is timestamped, bank-authorized, documented proof that US Bank acknowledged their own error. 4. On XX/XX/XXXX the same day US Bank sent identity denial letters their banker verified me and solicited credit card applications On XX/XX/XXXX, US Bank banker XXXX XXXX ( XXXX ) conducted a virtual banking appointment with me. After the meeting she emailed : " Thanks for your interest in our credit cards! Based on what we discussed, I found three great options that could be a perfect fit for you. '' On XX/XX/XXXX, US Bank sent a follow-up : " XXXX, we enjoyed meeting with you ... We appreciate being your banking partner. '' On that exact same date XX/XX/XXXX US Bank 's Customer Authentication Department mailed identity denial letters ( REF : XXXX and REF : XXXX ) stating it was " unable to verify identification. '' One department verified me and solicited credit applications. Another department denied my identity. Same day. I applied for the products XXXX XXXX recommended through official channels at her direct solicitation. 5. Despite all of this US Bank closed the accounts and reported 'Closed For Cause ' On XX/XX/XXXX, US Bank closed both of my accounts without prior written explanation. On XX/XX/XXXX, US Bank reported Account XXXX to XXXX XXXX XXXX as " Closed For Cause '' implying fraud, account abuse, or intentional misconduct. My XXXX XXXX file shows zero charge-off and zero uncollected funds. XXXX XXXX XXXX own definition of " Closed For Cause '' requires conduct inconsistent with bank policy. US Bank 's conduct was inconsistent with bank policy not mine. 6. I spent 8+ hours on the phone with US Bank they refused to fix it Across 15+ calls from XX/XX/XXXX to XX/XX/XXXX, I spent over 8 documented hours trying to resolve this. On XX/XX/XXXX, I called US Bank for 1 hour and 16 minutes specifically requesting the department responsible for the " Closed For Cause '' notation. I was told US Bank had no access to that department and I should submit by mail. US Bank is maintaining a damaging designation while refusing to identify the department, records, or conduct that supports it. THE SNOWBALL EFFECT HOW US BANK 'S ONE ERROR DESTROYED EVERYTHING US Bank 's false 'Closed For Cause ' report did not just harm one account. It triggered a cascade of financial destruction across every platform I use freezing my funds, closing my accounts, and leaving me without basic banking access for months while supporting a family with a newborn. XXXX XXXX XXXX Banking Blacklist The " Closed For Cause '' designation was reported to XXXX XXXX XXXX, which is checked by virtually every bank before opening an account. This single false report has caused every bank I've approached to deny me a checking account. I have been completely locked out of the traditional banking system since XX/XX/XXXX. XXXX XXXX Personal Account Closed On XX/XX/XXXX, XXXX XXXX closed my personal credit account citing " Account closed by credit grantor. '' This closure almost certainly resulted from XXXX XXXX reviewing my Early Warning file and seeing US Bank 's false " Closed For Cause '' designation. US Bank 's error cost me my XXXX XXXX account too. XXXX XXXX Business Account Closed My XXXX XXXX business account was closed after XX/XX/XXXX due to the fraud flag cascade originating from US Bank 's report. This account held funds I needed to operate my business and pay my obligations. XXXX {$990.00} Balance Unpayable I owe XXXX XXXX XXXX ( XXXX ) {$990.00}. I can not pay this balance because the XXXX XXXX account that held the funds was closed as a downstream result of US Bank 's error. US Bank 's false report has made me unable to fulfill a legitimate financial obligation damaging yet another banking relationship. XXXX {$400.00} Business Funds Frozen XXXX placed a hold on {$400.00} of my business funds. The hold appears to have been triggered or extended by the pattern of account closures and flags in my banking profile all of which trace back to US Bank 's false report. These are business funds I need to operate and support my family. XXXX Business {$250.00} Frozen Until XX/XX/XXXX XXXX placed a hold on {$250.00} of my business funds and extended the hold until XX/XX/XXXX. I filed a complaint with XXXX. Despite that complaint, the hold was extended rather than released. As with XXXX, this hold exists in the context of a damaged banking profile caused by US Bank 's false reporting. These funds are needed now not in XXXX. The Bottom Line US Bank made one administrative error placing an unauthorized check order and shipping it to the wrong address. Their own banker admitted it. Their own statement proves it. XXXX confirmed it in writing. But instead of correcting it, US Bank reported me as a fraudster. That one false report has : locked me out of banking entirely, closed my XXXX XXXX account, closed my XXXX XXXX account, made my XXXX balance unpayable, frozen {$400.00} at XXXX, frozen {$250.00} at XXXX until XX/XX/XXXX, damaged my XXXX credit file, and left me a father of a newborn and a US-born daughter, married to a COVID frontline worker unable to open a basic checking account for over 3 months. This is the snowball US Bank started by refusing to correct their own admitted mistake. VIOLATIONS FCRA 15 U.S.C. 1681s-2 ( a ) : Furnishing information known to be inaccurate the XX/XX/XXXX admission and fee reversal prove US Bank knew the overdraft was their fault FCRA 15 U.S.C. 1681s-2 ( b ) : Failure to correct after dispute notification FCRA 15 U.S.C. 1681b : Hard inquiry on XXXX XXXX XXXX XXXX day after their unauthorized charge caused the overdraft FCRA 15 U.S.C. 1681n : Willful noncompliance : $ 100- {$1000.00} per violation + actual damages + punitive damages + attorney fees Pattern of obstruction : Refused identity document submission pathway ; refused closure department access in 1hr 16min call WHAT I AM REQUESTING 1. Immediately correct " Closed For Cause '' to " Closed '' or delete it from XXXX XXXX and all consumer reporting agencies 2. Provide documented factual basis not generic reaffirmation for the designation 3. Remove or justify the XX/XX/XXXX XXXX hard inquiry 4. Correct all downstream consumer reporting caused by their error 5. Investigate the internal contradiction between XXXX XXXX 's XX/XX/XXXX identity verification and the same-day identity denial letters 6. Investigate the practice of ordering banking materials without explicit customer authorization 7. Address the financial harm caused to XXXX, XXXX, XXXX XXXX, XXXX XXXX, and XXXX as downstream victims of this false report Documents attached : XXXX Order Confirmation, XXXX admission email, XXXX Invoice, XXXX Credit Memo, US Bank XX/XX/XXXX statement ( showing {$93.00} debit AND {$36.00} fee reversal ), XXXX XXXX call logs, XXXX call logs, XXXX XXXX meeting confirmation and post-meeting email, XX/XX/XXXX partner email, identity denial letters, debit card mailer, XXXX credit report showing hard inquiry, Safe Debit application confirmations, XXXX XXXX file disclosure,.

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 non-monetary relief