Checking or savings account -- Managing an account -- Complaint #17108694
Complaint Overview
Complaint ID: 17108694
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Minnesota
ZIP Code: 55432
Date Received: 2025-11-07T12:00:00-05:00
Date Sent to Company: 2025-11-07T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Complaint Against : U.S. Bank Branch Location : XXXX XXXX, MN Date of Incident : XX/XX/year> Description of Complaint : On Tuesday, XX/XX/year>, I went to the U.S. Bank ATM located at the XXXX XXXX, MN branch to deposit {$270.00} into my checking account. During the transaction, the ATM froze, the screen went black, and then rebooted to an offline mode before completing the deposit. I immediately went inside the bank and spoke with a banker. They went to check the ATM and informed me that {$24.00} of my deposit was jammed in the machine, and only {$27.00} was credited to my account. This means I am still missing {$240.00} of my deposit. An ATM discrepancy report was filed that same day, and I was told that maintenance would need to inspect the machine to confirm the discrepancy. The banker informed me the process would take 15 business days. However, when I called U.S. Bank Customer Service, I was told no specific timeframe could be given. Later, I spoke with the Fraud Department, who told me it could take up to 10 days for resolution. This delay is unacceptable and has caused financial hardship. The funds were intended to pay a bill due on XX/XX/XXXX, and I am now facing potential late fees and financial consequences through no fault of my own. I feel that U.S. Bank has handled this matter poorly and that I am being unfairly penalized for a technical failure with their ATM. I am requesting that the missing {$240.00} be immediately credited to my account and that the bank provide written confirmation of the resolution.
Frequently Asked Questions
What is Complaint #17108694 about?
Complaint #17108694 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2025-11-07T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.