Consumer complaint received 2026-01-03 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NE

Complaint narrative:
on XX/XX/XXXX received a check via usps priority mail for a job offer to make extra cash having a car wrap installed on my car for advertising. The check was in the amount {$3800.00} I took the check to US Bank where I asked the XXXX  and the XXXX  to make sure the check was legit and was good. They did what they did and ran the check etc. it all came back good. I deposited the check into my savings and waited a few days to see if it was ok to pull funds out and transfer to my checking. I followed the instructions given to me by the individual I was in contact with about how to get the funds to the installers the fastest way so we could get moving on it. That individual then told me that {$700.00} was to go to me for my first payment for what I thought was advertising XXXX XXXX. 
I was then instructed to transfer cash in amounts og {$1000.00} and {$500.00} and {$1500.00} to my cash app to purchase bitcoin to send to the installers to schedule the work. That's when I found out I was scammed. By then it was too late. I contacted XXXX XXXX and US Bank and they began their investigation. Fast forward a few days, I had a transfer from my retirement bank/investors coming to me to take care of my bills and repair my vehicle, etc. I tried to catch them to stop the transfer but was too late, I was then told by USBank that they closed my account and when the deposit would arrive that it would get kicked back to my retirement co. ( XXXX ) and they would just issue me a check. 
None of that happened, USBank took the deposit anyways and has been holding it in my closed account without letting me get any of it even though it was marked for my bills, rent, car repairs etc. They did not care, they would not answer any questions I had unless I went to a local branch make an appointment to talk to a XXXX who would then email the " Back room '' as he put it that investigates the fraud cases like mine. 
I never received a definitive answer as the XXXX was incompetent in his job. I got nowhere. Now as of today XX/XX/XXXX I still have yet to get my funds and now being told that my claim was denied.......... WHAT? I don't understand. I gave them everything I had as evidence, including the chat logs between the person and I, the actual envelope and instructions i was to follow, the screen shot of the job offer through XXXX. during this time that person sent another check and instructions but for my wife. I even gave them that, every bit of evidence scanned and emailed then they wanted the originals mailed to them asap. I did that then I have USBank in XXXX wanting all of the same paperwork, I sent that as well out of my own pocket priority mail asap. I get nothing in return from them. I had banked with USBank for 20 years and this is how I'm treated. 
I sent the same info to the Nebraska XXXX XXXX office and another govt office that I was instructed to but the name escapes me at this time. So what I hearing with this is that they are taking my funds that were to come to me to get current with bills, rent, and car repairs and I'm stuck with nothing and still no answers. The amount of my retirement they are holding is, {$5000.00} that was transferred to me after the fact. How are they able to take my money and lie to me about it being kicked back to XXXX where I would then get a check mailed to me? They have been the worst bank ever to deal with and try to get answers from. The car wrap scam was really orchestrated well, I never thought I would fall for a scam like that, but they got me.

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