Consumer complaint received 2026-04-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: WA

Complaint narrative:
A few months ago without any warning they close XXXX of my US Bank checking accounts. I noticed I couldn't transfer between the XXXX accounts anymore and when I called the bank they said it was frozen and to calll so and so, I would call the number and they would shove me off in another direction, they could give me no information only that I would receive a letter in the mail.. then suddenly after a week or XXXX of this that account just dropped off my mobile app. I called the bank again and they told me that my account had been closed and I would get a letter in the mail explaining why and I would get my money back in the form of a check in the mail. The letter came there was no explanation just that they were closing my account, it just said they had the right to do that per our agreement we found but gave me no explanation. on why they said there would be a letter in the mail, in the letter finally came and didn't explain anything except for that my account was closed and that a check would be mailed, this took a couple more weeks. Last week they started doing that to my other account. All the sudden I couldn't use my debit card it was declined to the grocery store, I got no notice written or otherwise said anything was going to happen I couldn't transfer money from XXXX over there so I called the bank and that's when they told me that it was closed and they couldn't give me any information and I couldn't get my money out I have {$430.00} in my account I've got a disconnection notice for my water bill I've called multiple times and nobody can give me an answer on why they close my account nobody will let me get my money, at XXXX point I called the XXXX branch and she told me I could come down and they'd write me a cashier 's check so I went all the way down there and then they turned around and said they couldn't give me a check I had to wait for it to be mailed but when I go to log into my account I can still see my accounts on the dashboard so that means they haven't even begun to process of sending it out. I sat in the parking lot and I called the " back Branch '' like they told me to and after all the hoops you have to jump through to talk to an actual banker the " back Branch '' told me to talk to the people at the branch and I told her that they said to call her and I asked to speak to a manager or somebody that could help me in the situation and she gave me a different phone number. But instead of being a phone number that would help me it was an advertisement line where they told me an advertisement and then hung up the phone. It was a very immature practical joke that hurt my feelings myself made fun of already that they close my account wouldn't give me my money but it's like they're rubbing it in. I'm frustrated and I'm scared they're going to turn my water off, I have a disconnection notice. My phone bill has been sent back, I don't have any access to any money. I open a new bank account but all of my direct deposits take time to verify that I have a new account so nothing is coming in yet I'm a single mom with absolutely no money and US Bank will still give me no answers. It's like a game to them and a power trip especially the people in the branch. US Bank gave me no information one lady I talked to was being really rude to me and kept saying that I know what happened when I got the letter she just kept repeating that and I kept telling her no I will not because when this happened last time they gave me no explanation on the letter. She would not listen to me just got louder and ruder well when the letter came that said my account was closed they didn't tell me why. And I still don't have a check please help me. I just called there again and same thing she couldn't give me any more information. I just don't see how it's legal for them to close my account without any warning which I don't even care about that close my account fine but you need to give me my money you can't hold on to my money after you kick me off your bank it's a total scary power move.

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