Consumer complaint received 2022-08-08
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
On XX/XX/XXXX The company owes me about {$700.00}. 
I had a fews dispute, and the money was coming back to my bank because I won the disputes. 

US Bank kept taking the amounts of money I won back, out of my bank. 
XXXX the last amount of money that I got back, it was around {$55.00}, and they told me that I won the dispute and that they would put the money back on my account, but had bring a letter in or contact them. 

I did not know they wanted me to come into the bank because I did not read the letter that they wrote me to come into the bank because sometimes I don't check my mail. I went to the physical bank because I was wondering why I could not hear my bank balance for my debit card when I called in on the phone, they said because I did not bring the letter into the bank or contact them, so they had to close my account. 

So since I did not contact him or bring the letter in they had to close my bank account. 

They sent my account into overdraft for no reason. 
I did not put any charge on my account whatsoever to go into an overdraft. 
It was their fault, not mine. 
Plus I won those disputes fair and square. 

This is what they said in the letter that they sent me. 

We are writing to notify you of an update regarding the recent transactions you alerted us to on your account. 

On XX/XX/XXXX we requested additional information from you concerning your dispute with XXXX XXXX in the amount of {$59.00} Side note : By the way they did not reach out to me on XXXX the XXXX XXXX. 

Continuing the letter. Unfortunately we have not received a response to your request. Without the requested information, we are unable to assist you in resolving your dispute. 
Due to the above circumstances on XX/XX/XXXX we will be reversing the provisional credit previously issued to your account on XX/XX/XXXX in the amount of {$59.00} plus any applicable fees previously refunded. 

Please contact us if you would like the information used during our research. Thank you for your patience and cooperation throughout this process. No further action is needed at this time. 

If you have any questions kind of please contact card member services representatives at XXXX. We are staffed XXXX hours a day, XXXX days a week. We accept relay calls. 

We truly value your business and as always, you can view and manage your account in the US Bank mobile app or at XXXX 

Sincerely, card members services. 
This letter was sent to me on XX/XX/XXXX. 

Please help fix this issue for me. I also wanted to include that the people who talk on the phone at US Bank were being very rude to me when I was trying to file my disputes. 

Thank you guys, please tell them to open back up my account so that I can have my bank account and so that I can receive the rest of my money from my disputes. Thank you so much. Have a 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