Consumer complaint received 2026-02-26 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: U.S. BANCORP
State: OR

Complaint narrative:
summary : U.S. Bank withdrew {$1800.00} from my savings account without prior notice, without evidence of a deposit into my account, and without documentation supporting the withdrawal. The bank has failed to provide timely resolution, proper communication, or provisional credit despite my prompt reporting and cooperation. Background : On XX/XX/XXXX, my driver license and credit cards were stolen from my wallet at work in XXXX XXXX. On XX/XX/XXXX, after discovering the theft and unauthorized charges on my XXXX XXXX credit card, I immediately : Closed all affected credit cards ( U.S. Bank and XXXX XXXX ) via mobile app Visited the U.S. Bank branch at XXXX XXXX XXXX XXXX, XXXX, OR Reported the theft of two U.S. Bank credit cards and my debit card Had the cards canceled and replaced Filed a police report with the XXXX Police Department ( case later transferred to XXXX Police XXXX due to location of theft ) The suspect was never identified or arrested. The Unauthorized Check Issue : On XX/XX/XXXX, I received mail from U.S. Bank containing : A copy of a check A document stating : This is a legal copy of your check Return Reason Z Forgery Details of the check : Maker : XXXX. XXXX Address : XXXX XXXX XXXX XXXX. # XXXX XXXX, WA XXXX : * my name and second last name * Amount : {$1800.00} Memo : home etc Check date : XX/XX/XXXX Processed : XX/XX/XXXX ( same day my ID and credit card were stolen Sequence number : XXXX The endorsement on the back contains a forged version of my signature. I never deposited, endorsed, or received this check. Importantly : My account statements from XX/XX/XXXX through XX/XX/XXXX show no {$1800.00} deposit. There is no transaction history reflecting receipt of $ XXXXThere is no visible debit transaction reflecting reversal of a deposited item. Despite this, U.S. Bank removed {$1800.00} from my savings account without prior written notice or explanation. In my mobile deposit it showed, " Returned Item from A previous Deposit '' My Attempts to Resolve : XX/XX/XXXX I contacted U.S. Bank customer service. The representative could not locate any {$1800.00} deposit or transaction. The only action taken was opening a new savings account, which did not resolve the missing funds. XX/XX/XXXX I visited the branch in person. The employee was also unable to locate any transaction reflecting the {$1800.00}. I completed a Check Fraud Affidavit and was informed I would receive provisional credit during the investigation. After no update, I was later told additional pages were missing from the affidavit, even though I had submitted all pages provided to me. First week of XXXX, XXXX I submitted additional documentation requested by U.S. Bank that I received in the mail. On XX/XX/XXXX, The branch confirmed it was scanned and received by the fraud department. Since XX/XX/XXXX, I have received no updates, no written determination, and no provisional credit. Harm Suffered- {$1800.00} removed from my savings without notice. Reduced interest earned on savings due to lower balance. Significant XXXX and time spent attempting to resolve. Lack of transparency and communication from U.S. Bank

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