Consumer complaint received 2026-02-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: IL

Complaint narrative:
On XX/XX/XXXX I received a text from somebody stating they were from US Bank if I made a purchase of {$700.00} and something dollars at a XXXX  and I requested no they told me somebody will be contacting me through US Bank to speak to me somebody contact me I requested that they verify to show proof that they are from US Bank they called me from the number US Bank branch they verified my last five transactions they verified the amount I had in the bank they verified my information they told me that somebody was trying to wire money out of my XXXX XXXX because it was connected to my debit card so they had me put in apparently what was my new debit card to put the funds back into my account clearly that was not the truth they were scamming me I contacted US Bank they sent me out new debit cards tell me that they were investigating they refunded the funds 10 days later took it back because they said that they investigated and since it was under my XXXX XXXX  name they would not approve it I've stayed in multiple times that I have proof and information of the person that's giving me I never received paperwork or an explanation of why I was denied I called back to speak to them about the situation I sat on the phone for almost 2 hours spoke to multiple people I asked to speak to somebody in charge she finally looked into the account took some accountability of what was going on told me that my account from the start was compromised from online banking and that I should open another account because that one was going to be frozen so that's what we did we open another account beginning of XXXX we went yesterday XX/XX/XXXX to use our new debit cards and they were denied I've called the bank number they told me that I need to go up to the bank I went up there and spoke to them today they can not help me they told me that my first account still is open because I'm negative {$500.00} and I stayed at how my negative {$500.00} she said because fraud department deposited {$500.00} from the scam on XX/XX/XXXX and took it back XX/XX/XXXX when I was told that nothing could be taken out of that account so now the first account is negative {$500.00} I'm not getting any answers from that so I called to ask why my new account was Frozen mind you I have a savings account too and I just had a settlement of almost {$18000.00} deposit into the new account I have a total of XXXX plus XXXX in my account and so when I called they told me that I will have to wait 7 to 10 business days to let me know why my account is Frozen and that I can not touch them funds at all and that once it gets cleared out which it can take months I will receive a paper check of my funds but my account will be close I requested multiple times and answer of why my account was frozen and stated that this is ridiculous you can not free somebody's money and not give an explanation of what's going on I have no access to any of my money I have XXXX XXXX  and a mortgage and bills and I explained it and her explanation was I'm sorry we can not verbally explain everything it has to be on paper I've just noticed today that yesterday {$2000.00} from XXXX XXXX was returned to US Bank from the additional scamming from the beginning on XX/XX/XXXX none of this makes sense and I'm not getting any answers from what is going on and why my second account the new one has been frozen us bank is ridiculous

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