Consumer complaint received 2026-01-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: CA

Complaint narrative:
To Whom It May Concern, I am submitting this formal complaint regarding the handling of my personal bank account, which was improperly frozen ( XXXX XXXX, XXXX ), later permanently closed ( XXXX, XXXX ), and resulted in a prolonged and unexplained loss of access to my funds. Currently still do not have access to funds ( XXXX XXXX, XXXX ). 

I recently opened this personal account ( XXXX ) in connection with a divorce. As part of the divorce process, I paid my former spouse a substantial sum to buy out their interest in the marital home. Prior to initiating this transaction, I proactively communicated with both my loan company and bank representatives, keeping all parties informed of the check number, amount, and purpose of the transfer. Bank staff directly assisted me in completing a wire transfer in person at the branch. 

Despite this transparency and assistance from bank staff, my account was frozen without any notice to me. I became aware of the freeze only after my debit card was declined at a grocery store. When I contacted the bank, I was told my account was frozen and under review by the fraud department. However, no one could explain why the account had been frozen. 

During this time, wire transfers related to the transaction were still processed and accessible to the other two parties involved, while I was completely denied access to my own funds. I was unable to use my account, withdraw money, or receive clear information regarding the status or duration of the freeze. 

I have not had access to my funds since XX/XX/XXXX. 

Approximately XXXX to XXXX weeks after the account was frozen, I received mailed correspondence stating only vague and nonspecific reasons for the permanent closure of my account, citing that I did not abide by transfer and wire transfer policy. The notice did not identify any specific violation, nor did it explain how I could retrieve my remaining balance. 

I was required to call the bank again to ask how my funds would be returned. At that time, I was informed that my remaining balance would be issued via cashiers check within XXXX business days. 

This experience raises serious concerns regarding : The failure to provide advance or timely notice of the account freeze The lack of transparency or explanation for the freeze and closure The inconsistency of allowing outgoing wire transfers while denying me access to my funds The prolonged withholding of my personal funds without justification The absence of clear instructions for retrieving my remaining balance I am requesting a formal review of this matter, written clarification of the specific policy allegedly violated, confirmation of the status and amount of my remaining funds, and an explanation for the banks failure to notify me prior to freezing my account. 

Thank you for your attention to this matter. I look forward to a prompt and thorough response. 

Sincerely, XXXX XXXX

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