Consumer complaint received 2026-04-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I have been a US Bank customer for 26 years. I had several accounts open with them. 1. Personal Checkings 2. Personal Savings 3. Business Checkings - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX California XXXX XXXX recently XXXX from XXXX XXXX CA to XXXX XXXX CA so XXXX XXXX XXXX start finding new people to help with services for my new homes. This required me sending payments via XXXX to new people. Because of this, US Bank had blocked my online/mobile access several times. I called and explained the situation. The funds that were being sent were from my personal checking accounts for various services. Gardening, house cleaning, car washing, food trucks, etc... Upon the third time they blocked me, I called back into the " compliance '' department where a gentleman ( named XXXX XXXX who was extremely rude ( I was not too nice either because they kept doing this to me when I needed to sent payments ). Eventually, the gentleman and myself got into a verbal disagreements about the usage of my funds and he told me to shut up and listen. I then said that I wouldn't shut up and he then threatened to close my account. I assumed he meant my personal accounts and this had nothing to do with the business accounts that are also tied to other owners. I ended up hanging up very upset. I proceed to try and ensure that the business accounts were available and noticed that the login for those was blocked too. I called back to the compliance department and was helped by a woman who at times made me feel like I was a criminal. I explained the situation and she told me that they didn't need a reason to close my account. All my accounts were set for closure. Including business accounts that fund employees in our company every other Friday. She said I could go to my branch and they could " advocate '' for me but I went and nothing happened with really no updates. Now they're holding close to XXXX XXXX in funds from my personal and business accounts. Business accounts are tied to XXXX and yet they closed those too with no concern for potentially ruining a business. I would like to know when I will receive my funds from all accounts and how I can resolve any credit card liabilities so I can completely get away from this horrible bank institution. I've been banking with US Bank for 26 years and they treated me like a criminal. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I don't have a criminal record. I own several businesses and have an excellent XXXX XXXX. I've never done anything illegal with my banking accounts and the fact that they can do this without any problems is terrible. I have personal funds to cover the business but if I didn't, our business would be most likely closed because we can not pay employees. I would like to know when I will receive my funds back so I can fund my new bank accounts and move on from this terrible situation. Thank you

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