Consumer complaint received 2025-06-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/year> I ACCIDENTALLY deposited a check that I already deposited into another bank account. On XX/XX/year> the check was returned. The bank placed a hold on my account pending it for closure. I contacted the bank AND went into the branch location to explain that it was an honest mistake. I was told by the fraud department to go into the branch location and speak with the branch XXXX to have the branch XXXX reverse the closure on my account. I was then told by the branch XXXX to speak with the fraud department in which I did express that Ive already done so. The fraud department then told me, the branch is being lazy and I need to go into the location to speak with the branch XXXX. At that point, I did speak with the branch XXXX, XXXX and explained to him that me depositing that check again into this account was a mistake because I did not shred that check ( like I normally do with my previous mobile deposits ) and I forgot that I had it. XXXX was understanding, but was hesitant because he wanted to make sure that if he were to reverse the closure, it wasnt gon na fall back on him. After speaking with him for about XXXX minutes, he understood that it was a mistake. We went over my account information and he sent an email to the risk department to cancel the pending closure on my account. Since XX/XX/XXXX of 2025 I have been going back-and-forth with the bank trying to get my funds. I do not owe the bank anything. I do not have any open disputes on my account. Aside from accidentally depositing that check, my account overall is in good standing. The reason why theyre closing the account is because its new so, XXXX XXXX NOT have the authority to keep my account open ( like I was lied to ) and his head XXXX is deciding to close the account because again, its a new account. Ive been emailing back-and-forth with the branch XXXX, as well as phone calls, trying to get my funds as XXXX being told by the branch XXXX, XXXX XXXX, that XXXX XXXX wants to take on the responsibility of giving him the XXXX to give me my funds so they can close out the account, and that my account is under review. Theres nothing to review. The branch XXXX has given me XXXX numbers to call in which Ive expressed to him twice, that Ive spoken to those departments, and theyve confirmed over a recorded line, that nothing is pending on my account. That the branch XXXX yet again has the authority to release my funds. I did explain this to XXXX in an email and he keeps going over the deposits in my account that weve already confirmed XXXX times now. The money in my account belongs to me. I dont owe the bank any money. They need to give me my funds and close the account. I have been dealing with this since XX/XX/XXXX of 2025. They are withholding my money for no reason and theyre not reviewing the account. I feel like they are just trying to punish me, when I do not owe the bank. Ive sent several emails over the past few weeks and XXXX barely getting any responses at this point. Ive had to go to the branch XXXX, to get an update because no one is responding to me. Just give me my money please and close my account!

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