Consumer complaint received 2023-05-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: NV

Complaint narrative:
I have been banking with US Bank for around 3 years now with no other problems. I attend college and was recently reached out to by someone who I thought was within my school ( they were using a school email account ), about a job proposition. We email back and forth about job details before he agrees to send me a check for my first pay and for the errands I was going to run supposedly ( the job was a XXXX position for someone claiming to with a security company ). 
When the check arrived it had the sum of a little under XXXX , I made an additional account with my bank for the funds I was going to receive from the supposed job. I deposited the funds by mistake originally into my main account, but after a day the check was processed and accepted into my bank. Where I then moved all but XXXX $ ( my supposed pay amount ) into the new account. 
Thursday XX/XX/2023 My supposed employer was then asking me to XXXX a local camera shop XXXX $ XXXX supposedly. When I did this and it didn't immediately go through they asked me to cancel the payments, which I then did, so none of the money was spent. They then kept asking me to buy gift cards to pay the Camera shop, which I did not do, because despite all the other red flags that was the one that screamed in my face that this was most likely a scam. I still was in my mobile banking app with it open, not doing anything but was then told my mobile banking was unavailable and my XXXX XXXX was notifying me that my debit cards attached to my wallet were no longer valid cards. I call my bank immediately to find out what was going on, which they informed me my account was under review for fraud and was most likely going to be terminated, but that I might be able to talk with my branch manager about this to still save my account. I went in and all that she was able to tell me was that my account was currently being closed by the fraud department and that this job was a scam. My branch manager also told me that there wasn't anything she could do for my account as it was handled by the fraud department and also that I would never be able to bank at US Bank again because I am a risk for fraud now and they have a XXXX tolerance policy for even accidental fraud, where the person didn't know what they were doing. They then advised if I wanted some other resolution that I would need to call the fraud department about it. 
Sunday XX/XX/2023 I called the fraud department again and they explained that yes my account is under review for fraud, in which none of my funds are accessible and they will not be closing my account to dispense any funds to me yet, and that there is no time duration on how long it will take them to close my account, or send me my funds from the account to me. They also informed me that this process falls under a different branch besides the fraud department, in which has no email or phone number to contact them at and that any communication when sent will be done so only by mail. 
My issue is, I work, yet I have no money to pay my bills that are due at the end of the month like my rent. I am going to be evicted because I can't access my bank account or its funds for the next however long the bank decides to take. I did not spend any money received from the faulty check that had my account shut down and have been a good customer to the bank for a long time, and now I can not bank with them ever again because of something I wasn't involved in besides being the victim who is scammed.

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