Consumer complaint received 2025-10-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: NV

Complaint narrative:
In early XX/XX/year>, my US Bank account was unlawfully restricted, blocking access to my earned gig work income and XXXX XXXX benefits, and causing extreme financial and emotional hardship for me and my family. 
XX/XX/year> : Earned {$35.00} through XXXXXXXX XXXX XXXX 
XX/XX/year> : Tried multiple times to " instant pay '' these earnings from XXXX to my US Bank account for gas, as my car was on empty and my electricity had just been shut off. My attempts were rejected, so l drove ( on empty ) to the XXXX XXXX XXXX branch, sat in the lot alone at night, and tried a dozen more times to transfer funds. Feeling scared and defeated, I drove home, hoping to not run out of gas. 
XX/XX/year> : Visited the XXXX XXXX branch for answers about the rejected deposits. Was told the system was down and advised to try another branch or come back later. Borrowed {$10.00} from my neighbor for gas and drove to the XXXX XXXX XXXX branch. There, after explaining my situation in detail to XXXX XXXX, I was asked for several forms of identification/verification, which he said would remove my restriction in XXXX business days if I emailed them. 
XX/XX/year> : Realized my previous email hadn't been sent, so I re-sent all required documents ( driver 's license, social security card, government-issued letter ) to XXXX XXXX. He called, but said the photos still weren't transferring to their department, and advised me to go to a branch in person. 
XX/XX/year> : At XXXX XXXX XXXX, gave all documents to a male teller ( including original government letter ). Teller said this would complete my verification and restriction should be lifted by Friday. He also opened my unsealed government letter without asking permission. 
XX/XX/year> : Returned after account remained restricted. Was told by bank staff that verification " was not completed '' and could take a while. Demanded my account be closed so I could access my remaining {$12.00} for gas, but the restriction blocked this as well. Immediately called US Bank Customer Service, spoke with two agents ( one named XXXX XXXX, who confirmed my documents were sent to the wrong department and asked for resubmission. 
XXXX said she would unrestrict my account if I printed, not screenshot, my XXXX awards letter. Borrowed {$30.00} from my mother to print the documents and sent them- XXXX then left for the day and I received no further response. 
XXXX XXXX XXXX  : Repeatedly called US Bank , crying and pleading for assistance. My XXXX mother also had to deplete her own insurance and bill funds to help cover basics. As my debt and stress built, I could not pay for essentials ( toilet paper, laundry detergent, diapers for my XXXX daughter ). I even reached a point of desperation considering theft for my child 's needs but was saved by a call from my mother. 
XX/XX/year> : Sent a formal demand letter to senior US Bank leadership asserting damages and ongoing harm. 
XX/XX/year> : Hand-delivered legal documents to a US Bank branch because I had no funds for postage. Staff refused to accept these and threatened to throw them out. I later emailed video/photo proof to XXXX XXXX 
XXXX, demanding answers and compensation-received no reply. 
XXXX XXXX XXXX : Sent further emails and called repeatedly, always met with silence or denials from US Bank representatives . Was told contradictory reasons for restriction, constantly asked for documents already provided, and told conflicting stories by staff. 
XXXX XXXX XXXX XXXX  Continued contacting the same US Bank representative XXXX text, but after a period of reading/delivering, they cut off all responses entirely ( XXXX XXXX XXXX XXXX 
XX/XX/year> : After another call, told I could receive my {$12.00} only but that my account would remain restricted. Explained to the bank that due to this restriction, my XXXX mother is under stress, essential bills were unpaid, and food and utilities at home were at risk for my XXXX fiance, stepson, and XXXX  daughter. 
XX/XX/year> : Our home 's electricity was shut off due to nonpayment, all as a direct result of my US Bank account restriction blocking access to work income and XXXX benefits. 
Throughout, I did everything US Bank asked ( multiple ID verifications, SSl evidence, good faith efforts ). Each time, I was met only with more delays or dismissals, while the bank 's actions caused compounding harm to myself and my dependents. All key dates, communications, and evidence are documented and available as exhibits. 
Requested agency action : Investigate US Bank for unlawful, unjustified account restriction ; require the immediate unrestriction of my account and access to all withheld funds ; facilitate compensation for documented harm to myself and my family. I am now seeking a professional transcriber to transcribed all telephonic conversations that were legally recorded.

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