Consumer complaint received 2025-11-19 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: OH

Complaint narrative:
To Whom It May Concern, I am writing to formally document the ongoing and unacceptable treatment I have received from U.S. Bank regarding the complete shutdown of my account access and the refusal to provide any workable solution during a life-threatening medical crisis. What your institution has doneand continues to dohas caused severe emotional and physical stress during a time when my health is already at serious risk. 

On XX/XX/year>, while I was hospitalized and in full XXXX XXXX, U.S. Bank abruptly blocked my online access and disabled my card. I was physically unable to go to any branch, yet the only solution repeatedly offered to me was to show up in person after I am XXXX. There were no alternatives, no accommodations, and no consideration for the fact that I am fighting for my life and do not know how long I will remain XXXX. 

Because of this, I executed a legally valid, notarized Durable Financial Power of Attorney and appointed someone I trust completely to handle my account. I made it clear that I wanted my U.S. Bank account closed and my remaining funds released so that my bills and basic needs could be managed while I am hospitalized. I am willing to provide this document to any department that requests it. However, while on the phone, I was told directly that U.S. Bank would not honor a POA under any circumstances. I was informed that it would have to be sorted out after I die if I did not show up at a branch in person with a Social Security card, a valid ID, and proof of residence. 

These demands are not only unreasonablethey are impossible. I am XXXX. Leaving the hospital right now would more than likely kill me. Expecting me to risk my life to satisfy requirements that are neither legally necessary nor morally defensible shows a shocking disregard for my wellbeing. Your institution may hold my money, but it does not have any right to demand my life in exchange for it. 

On XX/XX/year>, I spent XXXX hours on hold, and while a representative in Customer Authentication named XXXX genuinely tried to help and briefly restored my access, it was blocked again within minutes by the same department that has been obstructing me from the beginning. Every time any progress is made, your system immediately shuts me out again. The added stress from this constant back-and-forth is actively harming my health. 

I have been honest, cooperative, and transparent. 
I confirmed there was no fraudulent activity. 
I verified my identity repeatedly. 
I offered to provide a notarized POA. 
I made my medical limitations clear. 
And still, your staff continue treating me with hostility, dismissiveness, and zero compassion.

At this point, the stress caused by U.S. Bank is directly harming my physical condition. I have informed an attorney that if my health deteriorates or if I die before this matter is resolved, this situation will be documented as contributing to my decline due to the severe and unnecessary emotional distress caused by your institution. 

I am demanding the following : Immediate closure of my U.S. Bank account.

Immediate release of all remaining fundspreferably by wire transfer to the account of my choice, or alternatively, by cashiers check provided to my Attorney-in-Fact for pickup at a branch. 

Full cooperation with my Attorney-in-Fact, without further obstruction or delay. 

Acknowledgement that I release U.S. Bank from liability regarding account closure, provided my remaining funds are returned to me promptly and without additional hardship. 

Time is critical. My life is already fragile. The banks refusal to act is only making that worse.

You have no right to hold my funds hostage, and you certainly have no right to demand that I jeopardize my healthor my lifeto satisfy requirements that are impossible for me to meet in my condition. 

Stop making this harder. Stop adding stress to a situation that is already life-or-death. Return my money and close the account immediately. 

Sincerely, XXXX XXXX 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 non-monetary relief