Consumer complaint received 2025-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Other service problem — 
Company: U.S. BANCORP
State: WA

Complaint narrative:
To Whom It May Concern, I am writing to formally report ongoing mistreatment, harassment, and potentially discriminatory practices by U.S. Bank, where I have maintained both personal and business accounts for several years.

Throughout my time as a customer, I have experienced repeated problems with poor customer service and questionable handling of my accounts. However, in 2025, these issues have escalated beyond normal service errors and have begun to feel deliberate and targeted.

1. Unjustified Holds on Business Deposits : Over the past year, U.S. Bank has been placing extended holdsoften 10 days or moreon deposits to my business account without clear justification. These delays have caused me to incur additional interest and late fees with creditors. The bank has not provided proper explanations, despite my repeated inquiries. 

XXXX. Mishandling of Wire Transfer and XXXX Report : In XX/XX/year>, I contacted U.S. Bank to ask whether I could send a wire transfer to the XXXX XXXX to support my XXXX mother. A bank representative confirmed I could. After I submitted the {$7000.00} transfer, the bank froze my funds and falsely stated that XXXX XXXX  XXXX had reported the transaction to XXXX. This was misleadingU.S. Bank accepted the transaction knowing that sanctions would apply and failed to warn me in advance. I believe this was done intentionally. 

XXXX. Card Declines and False Claims by Bank Representative : In XX/XX/year>, both my personal and business debit cards were declined at multiple gas stations ( XXXX and XXXX ), despite having over {$1000.00} in each account. I called U.S. Bank for assistance, and a supervisor named XXXX falsely claimed I was using a card ending in digits I do not possess. I explained clearly that I was using cards ending in XXXX and XXXX, which were in my possession at the time. Her refusal to acknowledge the issue and insistence on an incorrect card number added to the stress and confusion. 

4.Every time i am buying anything online XXXX, XXXX, XXXX, etc. other known, websites they always block my transaction, so, I have to call everything tor even very small amounts to release payments. 

XXXX was asking several times not to proceed with transactions if I do not have enough funds on my accounts and was assure that they did such block on my personal or business account but it happen over and over bringing my account to a negative balance. I think they just trying to get more from overdraft fees. The processing time is very long- few days, so in a fast changing situations I am having trouble to keep track what wS already subtracted from the acount fir bills and what is still pending. In my opinion the balance should change right away ones you submitted some bills to pay and you should see the remaining balance. 

These patterns of behaviorextended holds, mismanaged wire transfers, unexplained card blocks, and misleading explanationshave made me feel personally targeted, especially after raising past complaints. I am a highly educated senior woman, with credentials equivalent to a CPA, and I am fully capable of managing my accounts responsibly. The way I have been treated is not only unacceptable but feels retaliatory. 

I respectfully request the following : A full investigation into XXXX Banks handling of my accounts and customer service interactions. 

An official explanation and apology from the bank. 

XXXX that my accounts will be handled ethically, fairly, and without unwarranted interference going forward. 

Review of any regulatory or legal violations committed by the bank in relation to XXXX reporting or improper customer service. 


Thank you for your time, attention, and action on this matter. 

Sincerely, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX 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 explanation