Consumer complaint received 2021-01-09
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have two bank accounts, one with XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and the other with US Bank where I do the majority of my transactions at the XXXX, Oregon branch. 

My complaint is with the XXXX, Oregon US Bank Branch location!!! 

On XX/XX/2021 XXXX was supposed to automatically transfer electronic funds to my US Bank account in the amount of {$2300.00}. I checked my US Bank account on this day and did not see the funds in there so I called XXXX to see if it went through. They said no, it does not look like it went through. I told the lady who answered the phone at XXXX that it was supposed to be an automatic deposit set for XXXX XXXX. 2021 to my US Bank account and how could this be. She proceeded to tell that the funds do not appear that they were pushed through to my US Bank account and that the only person that can push this through is on vacation. 

I thought to myself, okay well my bills are not going to wait and this is a bit of an inconveience to their customer so I will have to handle this on my own and asked that XXXX cancel the automatic electronic funds deposit for XX/XX/2021 since it did not show up on time and to restart it XX/XX/2021 instead of XX/XX/2021. Again, she made it clear I needed to talk with the person who I could not talk to because he was on vacation. 

As a responsible customer trying to fix my problem with my accounts as it was obvious I was not getting any answers with XXXX because someone was on vacation, I decided to write out a check from my XXXX to myself in the amount of {$2300.00} and cashed it at US Bank. I cashed this check at the US Bank XXXX, Oregon location and the teller said only X amounts of funds are available to me immediately and that the rest would be available the next day on XX/XX/2021. I did take the {$220.00} funda immediately available to me at the time of this transation. 

On XX/XX/2021 I started using my credit card as I knew there were funds available in my US Bank Safe Debit Credit Card account as the teller told me this is when my funds would be available to me. 

On XXXX XXXX, 2021 an XXXX deposit from my XXXX came in, in the amount of {$2300.00}. I noticed this and immediately called XXXX and said I would somehow need to return that money back into my account with them because I wrote out a check to myself in the amount of {$2300.00}. So, I gave them my ATM debit card to put that money back into my XXXX account from my US Bank account as I assumed the check that I wrote out to myself would go through since I cashed it the day before. 

So to recap ... I DEPOSITED A CHECK in the amount of {$2300.00} on XX/XX/2021 and THEN on XX/XX/2021 the electronic deposit from XXXX came in and then {$2300.00} deducted ( using my atm card ) from my US Bank on XX/XX/XXXX. 2021 in an attempt to put that money back into my XXXX account to pay for the check that I wrote out to myself. The point here is that the funds were available on XX/XX/2021 for US Bank to cash that check!!! 

Then on XX/XX/2021 US Bank deducted ANOTHER ... ... ... ... XXXX {$2300.00} from my " Safe/Debit '' account making this account more in the negative! 

I called XXXX XXXX XXXX and they were able to tell me that the branch placed a HARD HOLD on my account and the be AWARE of this type of account. 

In the meantime, I'm unable to have access to my funds????? Why would the bank do this. If they simply allowed the check to be cashed, everything would have been fine, but no ... .they have to inconvenience their customer to spend hours on the phone to figure this out in an attempt to get my account back into a positive balance with no assistance from them what so ever. I feel they overreached their bounds by withholding my funds for me when I needed them. 

So ... .through the advice from XXXX, they suggested I re-write out ANOTHER check and cash it making sure my account has not been stopped from depositing money or that they will NOT charge me fees due to their actions. 

So, I called XXXX at the XXXX, Oregon location on XXXX XXXX branch because they assist me much better than the XXXX, Oregon location. I asked XXXX if there is a hold on my account and if I could deposit funds into my account. He said yes, you can. 

So I re-wrote out ANOTHER check from my XXXX account in the amount of {$2300.00} in hopes that this branch DOES NOT return the check back to me like they are doing with the 1st one!!! 

All that happened here was that I wrote out a check to myself and US Bank returned it because they saw that another deposit of {$2300.00} was from XXXX coming in and then saw me pay XXXX back the {$2300.00} so they rejected my check that I wrote out to myself. 

In the meantime, I have spent hours trying to fix these accounts in a timely manner to only be inconvenience by their decision to return a check that I wrote out to myself that had available funds. 

Something so simple, you would think these people at this branch know what they are doing? I have had nothing but trouble and anxiety with this branch. Someone really needs to evaluate how they do business there. Someone seems to be over-controlling their boundaries there and seems they are getting away with it. 

I sure hope they don't return my 2nd check I just wrote out to myself. If they do, I'm at a loss as to how the XXXX I'm supposed to fix this problem? 

XXXX XXXX

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