Consumer complaint received 2023-09-14
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
I opened an account with us bank on XX/XX/23 by putting {$250.00} in account ending in XXXX. On XXXX. XXXX. XXXX. They decided to close my account. They never sent me anything in the mail or email. I found it out by going to buy a coffee and my card got declined. I then called customer service. The lady was not able to give me a specific reason on why they closed the account. I will be uploading some documents so you can see the funds in this account and the dates and all the transactions. I made multiple calls to customer service to find out what is going on. I was told it takes up to 30 days to close the account and then they'll issue a check in the mail. I never received a check in the mail for the remaining balance in account ending in XXXX. After that I called customer service again. I was told it was in a safety deposit box at the branch. Then I was told there is no money at all. I have had the runaround. Let me tell you. I went and talked to branch manager at the XXXX XXXX location on XXXX XXXX. He told me that account was closed due to third party checks which I don't see what the problem is as they were countersigned and on the back of them it says pay to the order of me. I banks with XXXX XXXX for 15 years and my son countersigned many checks over to me. Now the checks that were put in the ATM we never got back the originals they sent us these numb negotiable checks which say they are a legal copy and any bank institution will accept them. That is not true. I have been to many institutions and they said to contact the issuer. The bank manager told me give me 3 days and I will issue you a check from the branch. I gave him a lot more than 3 days then he was dodging my call so I had to go there in person and then he told me. Oh I'm waiting to hear back from them. He was very disrespectful. Smirking smiling. It's not funny. It's not like a couple XXXX dollars here. We're talking XXXX I have never been behind on my mortgage and I am behind one month. I have just sold my truck to catch up. I have never been treated like this by a bank. I can't believe the manager thinks this is just no big deal. Oh I understand. He says there's no way he understands. I keep asking him for a time frame and he says he doesn't know. This is not the way to do business especially by a bank to withhold this amount of money and not even make the effort to find out what is going on so they can pay me out. The account was closed because of third party checks. He said today on the phone. Oh they're waiting because some of the checks they want to make sure they don't bounce. I know 14 days you know if that check 's going to clear so I just keep getting lies from him and I don't know who else to reach out to but you guys, If it was money that I owed us bank they would be charging me late fees and interest, now I have another problem because these non-negotiable checks some of the issuers will not reissue another one,

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