This article talks about what you can do if your account with a US Bank has been frozen. It talks about the two most common reasons for an account being frozen: suspicious activity and a court judgment in favor of a creditor allowing the creditor to levy your account. The article also talks about the options you have in each case.
If your US BanK account has been frozen, then you need to learn what you can do about getting access to your funds restored. Depending on the reason why your account was frozen, the unfreezing process could be a relatively quick and easy one.
The Reasons Why US Bancorp Might Freeze Your Account
There are two possible reasons your account was frozen. The first is suspected fraudulent withdrawals, in which unusual activity on your account has made US Bancorp suspicious that your account has been hijacked. The second is a judgment in favor of an unpaid creditor who is then allowed to levy your account to recover the money they are due. The first problem is relatively easy to fix. Contact US Bancorp to ask why your account was frozen. Phone, chat, email, and help desk customer service options are available.
Unfreezing a US Bancorp Account that Was Frozen for Suspicious Activity
If you were the victim of identity theft, or if your credit or debit card was stolen, US Bancorp might notice the unusual activity and freeze your account to prevent any more money from being stolen. However, this might not be the case. If you made an unusually high number of withdrawals in a short period of time or used your card in a different city or state, US Bancorp might mistakenly think there's a problem. When you contact US Bancorp, ask what transactions raised suspicion. If they are transactions you made or approved, tell the bank and then ask to have your account unfrozen.
Unfreezing a US Bancorp Account that Was Frozen because of a Creditor Judgment
If your account was frozen because of a court judgment in favor of an unpaid creditor, it is a lot more difficult to get your account unfrozen. Your best bet may be hiring a debt collection attorney, if the cost is not more than the amount of money stuck in your account. The attorney might be able to get the decision vacated and your account unfrozen. Alternatively, you can contact your creditor and try to work out a compromise. If you can work out an agreement then the creditor can vacate the judgment and unfreeze your account.
Bankruptcy is also an option, if your situation is desperate enough, because bankruptcy forces a halt to collection activity. You need to start the process quickly, though. However, bankruptcy can also cause some serious problems, so you should consult with a financial advisor before you do anything.
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