Consumer complaint received 2023-05-08
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
US Bank will randomly put money in my account and I will look to see where the money came from in my transactions and there is no indication of where the money came from. Its randomly put into my account its happened now two times that I have caught and screen shot the sum of money in my account. Ive transferred the money to my savings account and the very next morning my account is negative. Now prior to the money anonymously being put into my account my account is always positive. Meaning anything I have spent from my balance is accounted for and already taken from my existing balance. I am the type of person that, budgets so I watch my spending and my account. I use my savings to balance all funds, when I am at the store for example, after I know what my balance is owed at the store I will transfer money from my saving account to my checking account to the nearest dollar before running my debit card. So all balances I have have been accounted for and covered. So these incidents are weird to me because when this random money shows up in my account its always in the amount of around $ 160+ dollars. When I transfer the misc money to my savings account the next day my account balance is negative and they access a fee to me. They charge me an over draft fee, my account never shows the misc money going into my account and all the sudden the purchases that were debited from my account previously come back and they indicate that the reason my account is at a negative balance is due to previous purchases that already cleared my account. They did the same thing to my business account the previous month. I went to the bank to speak to a manager, he was really rude to me and made me feel like I was crazy and was making things up. I even showed him screen shots. He wanted to convince me that it was due to money I spent that I didnt have in my account that was accounted for and already taken from my balance previously. I knew I could not transfer money out of my account if it was so called already negative and what he was saying made no sense it was not true. I waited days and called several times, with multiple complaints before they would refund the fees to me. They also made me feel like I was lucky they refunded me when it was there error. They had no record of the misc funds going into my account and told me my account was negative. I asked how my account could be negative when I transferred the money out. They didnt answer my question. Now it happened again last night and I took pictures of the event so I could make another complaint to the bank and now this time I am making my complaint to you. They have no record of this misc money but now are giving me a negative balance for this misc money and it will soon turn into an over draft fee for the money they put into my account and took back out. Now purchases that were covered from Monday are back in my account stating I didnt have enough funds to cover them and thats not correct. That money came out the second I ran my card on Monday at the grocery store. I have the receipts for my transactions and I have the screen shot. They are getting away with charging over draft charges for charges they create. This is a huge red flag and if they are doing this to me they are doing it to others as well & making one heck of a profit from the consumer. I want this investigated immediately. I know by the end of today they will charge me over draft fees for this misc money they put randomly into my account and then took it back out to create a fee. Last month they blamed it on my truck payment when the money was already in my account and when they put random money into my business account my account was again positive my truck payment had already cleared and it went from positive to negative really fast. I have provided two different scenarios for you with screen shots of both incidents ; one from yesterday and one from XX/XX/2023 -Please help me

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