Consumer complaint received 2025-10-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: PA

Complaint narrative:
I am filing this complaint against U.S. Bank National Association for freezing my personal checking account without notice or explanation, causing significant financial damage. I have reason to believe this action may have involved XXXX discrimination, as I am an XXXX customer and have never engaged in any illegal or suspicious activity. 

On XX/XX/year>, XXXX Bank suddenly froze my account and placed it under review. I received no prior notice, no explanation, and no follow-up communication. When I called customer service, I was repeatedly told that my account was under review, with no details or timeline. Even now, I am still locked out of my funds. 

Importantly, my account was used solely for lawful purposes, mainly to * * pay my credit card bills * *. There was no reason to suspect any irregular or fraudulent activity. Despite this, U.S. Bank has held my money for weeks without justification. 

During this time, my U.S. Bank mobile app still shows my account as active and my balance as fully available, but I can not make transfers or payments. This has caused severe inconvenience and financial harm : - My * * XXXX account was closed because U.S. Bank blocked outgoing payments. I currently have * * {$1000.00} USD * * stuck in XXXX. 
- My * * XXXX XXXX * * account was also closed due to failed payments, negatively affecting my credit. 
- I have endured extreme stress and humiliation as I try to explain the issue to other institutions. 

Given that I have done nothing wrong, and knowing that * * other XXXX customers have reported similar sudden freezes by U.S. Bank * *, I have reason to believe that XXXX bias or unfair profiling may have played a role in the handling of my account. 

I believe U.S. Banks actions violate : - The Equal Credit Opportunity Act ( ECOA ), which prohibits discrimination in banking on the basis of race, XXXX, or national origin. 
- The Civil Rights Act ( Title VI ), which ensures equal access to federally regulated financial services. 
- Federal consumer protection standards requiring fair and transparent treatment. 

I am requesting that the CFPB : XXXX. Conduct a full investigation into U.S. Banks account freeze practices and whether they disproportionately target XXXX or minority customers. 
XXXX. Require U.S. Bank to immediately release my funds and restore access to my account. 
XXXX. Determine whether U.S. Bank violated ECOA or Title VI provisions. 
XXXX. Require the bank to provide written justification for the freeze and compensate me for the financial and reputational harm caused. 
XXXX. Ensure corrective action if discriminatory or arbitrary practices are confirmed. 

* * Relevant details : * * - Bank : U.S. Bank National Association - Account frozen since : XX/XX/year> - Account type : Personal checking account - Intended use : Paying personal credit card bills only - Status : Still under review without communication - Suspected bias : Targeted or arbitrary action against XXXX customers I am ready to provide all supporting documentation, including screenshots, call records, and correspondence. 
Thank you for investigating this matter seriously and ensuring fair treatment for all consumers.

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