Checking or savings account -- Closing an account -- Complaint #17838331
Complaint Overview
Complaint ID: 17838331
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Closing an account
Sub-Issue: Funds not received from closed account
State: Indiana
ZIP Code: 46227
Date Received: 2025-11-23T12:00:00-05:00
Date Sent to Company: 2025-11-23T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XXXX XXXX XXXX, a customer of XXXX XXXX XXXX XXXX XXXX XXXX, requested the cancellation of her vehicle service contract. This request was processed, and a check, number XXXX, in the amount of {$1700.00} was issued to her. The aforementioned check was deposited into a joint US Bank Checking Account ( # XXXX ), held by both XXXX XXXX XXXX and XXXX XXXX. Subsequently, the account was frozen. The account was ultimately closed due to " unusual activity, '' and after a period of thirty ( 30 ) days, a check was issued for the account 's prior balance. US Bank has stated that the check issued to XXXX XXXX was returned to them. However, XXXX XXXX visited the dealership on two separate occasions and was informed on both visits that the check had been cashed and was never returned to the bank. XXXX XXXX and XXXX XXXX formally request assistance in determining the current holder of the funds from the aforementioned check and ensuring the promised funds are returned to them. Attached to this complaint are a photograph of the check and the US Bank statements provided to XXXX XXXX and XXXX XXXX subsequent to the account closure.
Frequently Asked Questions
What is Complaint #17838331 about?
Complaint #17838331 was filed against U.S. Bancorp regarding Checking or savings account specifically about Closing an account. It was received by the CFPB on 2025-11-23T12:00:00-05:00.
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.