Consumer complaint received 2024-01-06
Company: U.S. BANCORP
State: KS
Product: Prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Problem using the card to withdraw money from an ATM

Complaint:
I do not even know where to begin here. I am absolutely angry at US Bank and extremely angry with the CFPB. I have been filing complaint after complaint with you about the many ways in which US Bank has done me wrong over the last years and everytime you have allowed US Bank to get away with their deceptive and scandalous practices. Then I get a letter from you saying, ohh US Bank said they didn't do anything wrong, so we are going to step aside and do nothing here. Just a few days ago I am reading an article and I could not believe what I saw here. Here is an article from Consumer Affairs, and you can read the article right here at XXXX XXXX XXXX In this consumer affairs article it highlights that he CFPB has ordered U.S. Bank to pay nearly {$21.00} XXXX for keeping out-of-work consumers from accessing unemployment benefits {$5.00} XXXX of that going directly to consumers harmed by its actions. 
Separately, the Office of the Comptroller of the Currency ( OCC ) fined United States Bank {$15.00} XXXX. The CFPB and OCC coordinated during their investigations into U.S. Banks illegal conduct. 
Can you possibly explain to me why over the last few years when I have made complaints with you about precisely these deceptive practices by US Bank and other bad habits they have had, you have done nothing for me!!?? Why is it that you did not help me with these problems and did not fault US Bank, yet here is an article saying the CFPB ordered US Bank to make payments to people just like me who were harmed by US Bank. You did not help me, you never even told me anything about this fine or order you issued to US Bank, and I most certainly have not seen XXXXXXXX XXXX XXXXt that US Bank has owed me legitimately nor any other additional money they should be made to reimburse me for. WHY?? That is all I can say to you is WHY?? Pick any one of the many complaints I have filed against that bank and order them to make the payments to me I have been seeking for years now. This complaint is equally about you, the CFPB, who have sat idly by over and over as well. 
" The CFPB says that in evaluating what each person is supposed to receive, U.S. Bank will calculate the lump sum Consequential Harm payment, [ as well as ] evaluate affected consumers for additional or supplemental redress compensation due to evidence of financial harm exceeding consequential harm-related payments. Where is my payment? I qualify in every way and no one ever informed me of this. US Bank kept me from my accounts. They stopped me from accessing my account, the funds in the account, causing me to lose my home and have to live on the streets while being stranded in an entirely different state than I lived in for over a year. The took all access I had from my accounts and made it impossible to get any records or new information. They seized my dead wifes account funds as well for no reason what so ever. I am a victim of all these things. I am furious right now. I am not even asking at this point, I am absolutely DEMANDING that you see to it that I get everything I have been fighting with them about and more for all the years of problems they have caused me. HOW DARE YOU PEOPLE treat my issues so casually and then not even notify me about any of this. I have no more words for the level of outrage present for the both of you right now. Is this how America " succeeds? '' On the backs of people like me and you think it is all just a game!? I am not playing here and I fully expect you to expedite me all my requested funds from US Bank and more. I mean yesterday already. The next contact anyone from US Bank or the CFPB makes with me better include a large check and an even larger apology. Thank you and good day!

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