Consumer complaint received 2018-02-14
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I opened a savings and checking account year XX/XX/XXXX. The savings is linked to the checking account. Below are the transactions : Savings XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$50.00} {$50.00} XX/XX/XXXX {$770.00} {$820.00} XX/XX/XXXX {$760.00} {$1500.00} XX/XX/XXXX {$490.00} {$2000.00} XX/XX/XXXX {$1000.00} {$1000.00} Checking XXXX Deposit Date Amount Withdrawal Balance XX/XX/XXXX {$730.00} {$730.00} XX/XX/XXXX {$500.00} {$230.00} XX/XX/XXXX {$230.00} {$0.00} Closed When I opened the accounts on XX/XX/XXXX, I told the manager I do not like a debit card for these accounts. She said that is okay. She told me I could have an ATM card. The ATM card will be for deposit and withdrawal only. She also gave me two ( 2 ) small pieces of papers with routing numbers. In addition, she gave a Deposit Record booklet. 

I received a mail with an ATM card ending XXXX linked to the checking account which state that the card could be used for purchases at retailers, deposit and withdraw at ATMs, and print mini-statements. I was surprised to see the card and the accompanying letter since I told the manager that I do not want a debit card or an ATM card that acts like a debit card. I was very disappointed that my instructions were not honored by the bank. 

I closed the checking account on XX/XX/XXXX.

I withdrew from my savings account on XX/XX/XXXX.  The teller asked for an identification and I showed her my drivers license which I used when I opened the account. The teller asked me to swipe my drivers license card which I did and regretted doing it. I felt she tricked me in using my drivers license like a debit card. I do not like my drivers license to be used this way. It would be enough just to show her my drivers license. 

There are so many tricks out there that could duplicate any cards with magnetic strips. The bank opened my drivers license to this malicious practice. 

What are the routing numbers for? Please note that I had never used any routing numbers. I only went to your bank to deposit and withdraw. 

Issues : 1. You issued me an ATM card that acts like a debit card without my approval. What is your action on this and how will you prevent similar incidents? 
2. You tricked me to swipe my drivers license in your machine. Presenting my drivers license as I did when I opened my account should be sufficient for you. I suppose your personnel are trained to do this. 
3. Regarding the routing numbers, please assure me that there are no other accounts that used my identity. That there are no accounts linked to my accounts 4.  Regarding the Deposit Record booklet, is there a way that the bank could print on it all the deposits, withdrawal and balances? This is a very good security for both the bank and the customer.

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