Consumer complaint received 2025-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: CA

Complaint narrative:
1. Overview This complaint is very challenging to explain due to the complexity of the fraud and organized intrusiveness I have experienced. 
This is not about a few isolated incidents of account hacking it is about a coordinated internal attack from within the U.S. Bank institution involving employees in the XXXX XXXX region of California. 
I have maintained records as best as possible, but the U.S. Bank mobile app restricts screenshots, leaving me with limited physical proof. Nevertheless, the missing bank statements, reversed transactions, and account manipulation patterns are enough to establish reasonable cause for a federal and regulatory investigation. 

2. Identified Branches and Employee Intrusiveness Branches involved : Upland ( original home branch ), XXXX XXXX XXXX, XXXX ( current home branch ), XXXX, XXXX XXXX, and XXXX XXXXXXXX. 
During a XXXX visit to the XXXX XXXX XXXX branch, a banker who was helping me called the XXXX  department. 
o The representative on the phone made a revealing comment : He doesnt even look at his statements. 
o This clearly indicated unauthorized internal access to my personal financial behavior a direct violation of UCC 1-304 ( Obligation of Good Faith ) and UCC 4-103 ( Variation by Agreement and Limitation of Banks Liability ). 
After that event, the incidents escalated, typically around the 1st of each month when my XXXX grant deposits arrive a pattern consistent with targeted internal manipulation. 

3. Patterns and Types of Fraudulent Activity ( a ) Missing Statement History Account ending in XXXX is missing three years ( XXXX ) of statements. 
The bank falsely claims my account began in XXXX, contradicting Exhibit A ( opening records ). 
Statements appear to have been deleted or altered an act that violates UCC 4-406 ( Customers Duty to Discover and Report Unauthorized Signature or Alteration ). 
( b ) Chronological Manipulation ( Reverse Mathematics ) Deposits are logged after withdrawals that occurred later in the day, artificially generating overdrafts. 
This violates UCC 4-401 ( When Bank May Charge Customers Account ) and UCC 4-404 ( Bank Not Obliged to Pay Item After Certain Time ). 
( c ) Unauthorized Overdraft Protection My account type does not include overdraft protection, confirmed by a banker. 
However, overdraft credits are used to mask unrecognized credit nor PIN charges classic internal laundering through artificial account balancing. 
This practice violates UCC 4A-204 ( Refund ; Duty of Customer to Report with Reasonable Promptness ).

( d ) Time-Stamp and Record Tampering Same-day transactions have inconsistent timestamps and are coupled with fake overdraft fees that are later reversed.

This manipulation creates false balances and violates UCC 3-407 ( Alteration ) and UCC 4-406 ( c ) ( timely notice requirements ). 
( e ) Unauthorized or Fictitious Charges Credit nor PIN entries appear regularly near the end of months evidence of manual ledger tampering within U.S. Banks internal systems.

Each such manipulation constitutes a breach of UCC 3-420 ( Conversion of Instrument ).

4. Business Identity Misuse and Potential XXXX  Activity My company, XXXX XXXX XXXX XXXX XXXX has also suffered parallel account irregularities at XXXX  XXXX XXXX XXXX around the same time I began banking with US Bank XXXX I opened both accounts around the same time. 
The overlap and timing coincide with identity theft incidents and unexplained red-flag activity in financial markets ( stock and XXXX  ). 
This suggests my personal and business names were used in fraudulent investment operations, potentially XXXX-type activities, which should trigger an inter-agency investigation involving the SEC OIG and FBI XXXX  XXXX XXXX XXXX 

5. Evidence of Employee Interference Multiple branch employees have refused to allow private calls to the XXXX department, insisting on being present during calls. 
When I attempted to use branch phones privately, I was instead given a general hotline number an obstruction tactic.

This repeated behavior constitutes bad-faith conduct ( UCC 1-304 ) and potential conspiracy to conceal internal fraud.

6. Recent Incidents The most recent irregular transaction and time-stamp tampering occurred XX/XX/XXXX ( see Exhibit C ). 
Unapproved overdraft reversal left my account at {$22.00} ; I paid to prevent closure. 
Prior similar events occurred XXXX and XX/XX/XXXX ( see Exhibit B ). 

7. Additional Relevant Facts I have been robbed of physical proof of earlier claims.

All local branches have refused proper customer service when I requested assistance or account reconstruction.

The consistent pattern of localized obstruction indicates an organized internal operation rather than random events.

8. UCC Violations Summary UCC Article Section Nature of Violation Article 1 1-304 Lack of good faith and fair dealing Article 3 3-407 Alteration of financial records Article 3 3-420 Conversion of instrument ( unauthorized charges ) Article 4 4-103 Improper limitation of banks liability Article 4 4-401 Wrongful debit of customers account Article 4 4-406 Failure to detect/notify unauthorized entries Article 4A 4A-204 Failure to refund erroneous electronic transfers 9. Requested Actions 1. Immediate Treasury OIG and OCC joint investigation into U.S. Bank employee misconduct and internal record manipulation.

2. Full audit of accounts ( both personal and business ) from XXXX, including deleted statement recovery. 
3. Review of local branch personnel in the XXXX XXXX for collusion and unauthorized data access. 
4. Coordination with the SEC OIG and FBI to determine whether my identity was used in broader investment or XXXX  schemes. 
5. Compensatory resolution for losses and damages caused by repeated unauthorized debits, overdraft penalties, and emotional distress. 

10. Declaration I affirm that the statements contained herein are true and correct to the best of my knowledge. 
I am prepared to provide Exhibits AC, correspondence records, and any remaining documentation. 
This complaint is submitted under U.S. Code 18 1348 ( Securities Fraud ), 18 1343 ( Wire Fraud ), and the Uniform Commercial Code Articles 1, 3, 4, and 4A. 
Signature : XXXX XXXX XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX

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