Consumer complaint received 2023-02-09
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I am writing due to some very frustrating issues I am having at the US Bank XXXX XXXX office with multiple staff members. in XXXX I opened a business bank act online, and deposited XXXX XX/XX/XXXX ) in the branch a week or XXXX later, the same day I received a forwarded message that my account had been closed in the mail ( it was dated XX/XX/XXXX ). I called in and customer support said to disregard the message as it was likely an error as I had waited a week to deposit the cash. I told them on the phone I had a registered agent. ) I was hoping to be able to use the Promo code for XXXX that was going on in XXXX. in XXXX I received more messages that my account was closed and they had sent a check written out to " XXXX '' to XXXX XXXX ( where my registered agent it ). I have called for customer support maybe XXXX times and each time they dont know or cant help me. I then went in to the branch and first saw XXXX XXXX, who told me it was an address issue so I provided an address in colorado, which she at the time told me, she " had changed the address and submitted the reversal of the account closure '' this was never done, the next week I got a message saying my account was reopened then closed the same day. I went into the branch and XXXX then told me, " I never told you I changed your address and never submitted the closure reveral application '' I was disgusted as her attitude towards me as I was just in there to figure out why I couldnt get the account going. she told me she couldnt help me for over an hour and no one in the branch was able to help. When I called into customer service they told me that they couldnt do this over the phone, but that the branch could help me. 

Frustrated with my experience but wanting to get this sorted out I made an appointment with XXXX XXXX, for the next day. when I was in he told me there was no way to fix the issue w the address and reopen the act. I asked to get the check issue sorted as I can not cash a check made to my business without my business having an act. It was also sent to NM - I am also unable to get a hard copy of it without paying for mail forwarding. He told me in person that he would " submit paperwork to get the old check voided, and mail it out via overnight serivice the next day. '' this was a week ago and this was a blatant lie. 

I just called in to speak with the branch manager and this is also a different story than what I was told now over a week ago. I am absolutely disgusted with the lies and gaslighting that the staff here has done. They have completely wasted my time, while holding XXXX away from me for nearly XXXX  months, while I am unable to make business purchases that I need to make to make money. I'm super frustrated. I've never experienced this horrible customer service from a bank before. Ive in the past been a victim of coercive control and to have not XXXX but XXXX bank employees lie to me that they did a task and then didnt, while also pretending that they knew anything to help me- is traumatic and disgusting. I was always upfront about having a registered agent so if this was an issue- it should have been addressed before I even went to put XXXX into the account. 

I have now gone into the branch XXXX  times, and now have to go in in person yet again, wasting another hour of my time and even more gas. -Ive probably spent over 20 hours of my working time just dealing with this XXXX, as well as wasted gas driving to a branch that then lies to me, or doesnt know what to actually do to sort out the issue I'm not really sure what you can do but I wanted to let you know this kind of behaviour is going on at the branch. They have XXXX respect for people 's time and money and I'd like to see some kind of disciplinary action, as well as my time and interest covered of the XXXX. I'd also like the XXXX back as soon as possible. I was upfront about my business having a registered agent so it would be appropriate for your staff to be educated on how you as a bank can work with these llcs, or to have them trained so people aren't wasting time trying to open accounts that will never be opened. 

I have still not received my XXXX dollars back and they have had my money now for XXXX months.

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