Consumer complaint received 2024-09-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
I became the guardian for my Dad after a lengthy legal battle until he passed in 2021. US Bank allowed someone to take money out of his account, who I believed actually worked for them in XXXX, XXXX  ( per her stating she worked there ), they ignored my submission of facts, and ignored my attempts to address this. My Dad had several mental and physical disorders. It was a clear issue of elder abuse. They said I missed the submission date, but they did not send the information to my address as requested, instead to the address that the person was at, making it difficult for me to address. They would not help me then and I still could not get help from the local branch in XXXX XXXXXXXX XXXX as it was too costly to go to XXXX. 

In conjunction with all this, when I received guardianship of my Dad after going through a lengthy legal process, I set up this account with USBank. My Dad 's previous accounts where money was being taken from him was there, so I figured it was just easy to transfer until I could figure something out He passed away in the XXXX due to XXXX  XXXX  due to this situation, and now I have been battling with US Bank over the accounts. I am the sole heir as deemed by the XXXX  court system as my Dad didn't have much. They have routinely taken {$5.00} out of the account and now it is not even {$100.00}. I physically took in proof of death certificate ( made me bring in an original certificate twice ) and the court order to the local bank in XXXX XXXX, which they took copies of twice, and they refuse to let me close the account, even though there was a court order I provided. 

So the first issue is that they will not let me close these accounts and let the now less than {$100.00} come to me. They keep taking it. They state it is a federal legal thing and they can't close it for me. 

Second issue, they sold my mortgage which was transferred to US Bank when US Bank purchase XXXX XXXX. A few days ago, I received a notice that they just closed my personal checking account, which had nothing to do with my Dad 's account, and took the few dollars that were in it. Nothing now shows up on my online account and I can not access any statements. I received no prior notice they were doing this and no mailed correspondence, just an email after the fact with the last 4 digits of my account. 

I realize this is not XXXX XXXX XXXX, but it is the principal of this entire issue of how it was handled. I was just trying to clean up and close this matter for my Dad. The stress I endured for two years trying to save my Dad from this person, to have him die in the XXXX where she dumped him during XXXX  has been unbelievable and US Bank just wouldn't help me when I provided them the documents twice. 


And now, they took my checking account, closed it, which I was required to have by the original XXXX XXXX  to do my mortgage with them. 

I feel that they should have immediately helped me not only with the woman taking his money, but allowed me to take out the remaining money, which was about {$200.00}? that was my " inheritance ''. They have removed all the statements, so I can't define exactly what is missing and I gave up. The last time I went in, the account people were sitting there, but refused to help me without a prior appointment, even after they asked what they could help me with? What is the point of asking me if you aren't going to help me.

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