Consumer complaint received 2026-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CO

Complaint narrative:
I asked if I could open up several accounts for each business I had plus savings for me, savings for my son, and checking for my daily life. I was told this would be no problem. I have gone from bank to bank experiencing the " Breach of Security '' letter I received in XXXX of 2024. The investigations continued as I continued to have issues with dispute charges. I was told because my phone number had been used and usual places I shop, that my disputes would be reversed : meaning they reimbursed me for fraud charges, then took the money back putting my account in negative. I called in many times to discuss this. Got varying information that I needed to send in supporting documentation. Third party representatives kept mis noting my account, reading from script, saying the investigation supported itself. The XXXX settlement which I am listed on as someone impacted by the exposure of a security breach from XXXX where access with my phone number, having access to my online accounts and apps that I typically use were all accessed through this. We were also victims to many factors affecting XXXX XXXX Evacuees. I received letters stating I could reopen my account if I paid the debts. I would call in. and was told that they would not open the accounts. I was told later if I paid off the balance I could open a new account. THen got passed onto someone else who said that was not true. I was apparently banned from this, when my accounts were not shut off as a form of protection within 4 days of me reporting these matters, I was not protected, compensated or educated/instructed by the account bank on anything to help me. I was punished, charged, lied to, misinformed and this took up a lot of time and has damaged my credit, my businesses, my reputation and defamation of character. The bank continues not to offer solutions even after several letters, calls, email, sending documentation, recorded calls, and a Demand letter sent in XX/XX/XXXX2025 stating i would file with the CFPB, FCRA, etc. as well as reach out to lawyers. I have now spoken with lawyers and am supported in my case that protocol was not followed, my consumer rights have been violated and the bank has mishandled my case. I do want my name cleared, my record made right, corrections for all damages and to be made whole. I went into the bank to answer anything face to face. I did not get any information still to discuss the investigation, any warnings or calls to check in to see if I was aware of any concerns the bank had etc. While I understand their policies, this is a violation to my overall rights as a citizen supersceding any policies Still, I believe violations occurred as to how to handle my case, how to protect me, how to ensure changes when I first reported disputes and education of all of my options so that I as a consumer knew all of my options and could make the best educated decisions for myself. Many of the agents told me what they suggested without even looking into other options were or to inform me of any risks I would be taking,

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