Consumer complaint received 2025-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
I am a U.S. Bank customer in XXXX CA XXXX with a checking account, a Personal Line Plus account, and a U.S. Bank mortgage. I am submitting this complaint because U.S. Banks handling of my accounts in XXXX and XXXX created financial harm, overdrafts, missing funds, account instability, credit damage, and hardship during a period when I relied heavily on my accounts as a full time flight attendant and caregiver. I experienced a major XXXX issue and irregular ACH activity from XXXX, and U.S. Banks actions amplified that harm rather than protecting me. 

CHECKING ACCOUNT HARM My U.S. Bank Smartly Checking account became unstable due to how U.S. Bank processed GoodLeap-related ACH entries, deposit holds, and returned withdrawals. For example, on XX/XX/XXXX, a XXXX XXXX XXXX for {$1000.00} posted. On XX/XX/XXXX, a XXXX XXXX XXXX for {$1100.00} posted. These transactions triggered overdrafts, fees, and repeated negative balances even when I deposited enough to cover expenses. 

During multiple cycles in XXXX, I deposited thousands of dollars yet still ended the month negative. For example, between XX/XX/XXXX and XX/XX/XXXX, my beginning balance was {$1400.00}, I deposited {$1400.00}, withdrawals totaled {$3400.00}, and the ending balance was negative {$500.00}. Similar patterns continued into XXXX and XXXX. This reflects financial instability linked to fee cascades, delayed funds availability, and the banks handling of ACH activity. 

PERSONAL LINE OF CREDIT HARM I hold a U.S. Bank Personal Line Plus account ending in XXXX. In XXXX I made a major lump-sum payment of approximately {$5900.00}, reducing the balance to about {$1000.00}. Immediately after that large payment, U.S. Bank reduced my credit limit from {$6000.00} to approximately {$1700.00}. This removed my emergency financial cushion, increased my utilization ratio, and harmed my credit score. I relied on this line of credit for stability during hardship, and the timing of the limit reduction increased the harm to my financial health.

FUNDS AVAILABILITY Deposits into my checking account were not made available within the timelines stated in U.S. Banks policies. Delayed availability caused overdrafts and returned ACH transactions that could have been prevented. I request review of U.S. Banks funds availability practices under Regulation CC. 

XXXX XXXX XXXX XXXX  The instability caused by these account issues affected my ability to make timely mortgage payments and contributed to a XXXX XXXX decline into the Poor range ( XXXX ). I request a review of any negative mortgage reporting and corrections to any credit reporting that resulted from mishandled transactions or account decisions made by U.S. Bank. 

POTENTIAL DISCRIMINATION AND ZIP CODE IMPACT I live in XXXX CA XXXX, a historically redlined area. Given the timing of my credit limit reduction, the extended deposit holds, and the handling of ACH activity and fees, I am concerned that neighborhood risk scoring, disparate treatment, or algorithmic bias played a role. I request a fair lending review to determine whether my demographic profile or zip code influenced XXXX Banks decisions. 

RELEVANT LAWS AND POSSIBLE VIOLATIONS The actions described XXXX involve violations of : Electronic Fund Transfer Act ( Regulation XXXX ) : Improper handling of disputed ACH transactions, failure to provide proper investigation, and processing practices that increased harm. 
XXXXxpedited Funds Availability Act ( Regulation CC ) : Delayed access to deposited funds beyond allowed timelines, causing overdraft and fee cascades.

Truth in Lending Act ( Regulation Z ) : Credit line reduction after major repayment without adequate notice, resulting in harm to utilization ratio and credit score.

Equal Credit Opportunity Act ( ECOA ) and Fair Housing Act : Potential disparate impact due to my zip code and demographic status.

Unfair, Deceptive, or Abusive Acts or Practices ( UDAAP ) : Account handling practices that created avoidable harm, including fee chains, transaction posting order, and removal of my financial safety net. I request that the CFPB conduct a full investigation into U.S. Banks handling of my checking account, Personal Line Plus account, and mortgage relationship. I request review and correction of any improper fees, adjustments, or credit reporting entries. I request an explanation for the credit limit reduction and restoration or adjustment of my credit line as appropriate. I also request that the CFPB evaluate these actions for potential violations of consumer protection laws and fair lending standards. I have documentation available upon request.

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