Consumer complaint received 2020-08-28
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
In XX/XX/2019 I opened a Safe debit account at US Bank In XXXX XXXX Washington. The individual who open my account assured me that there would be no monthly fee with my direct deposit and for the first three months there was no fee charged. Then they begin charging XXXX per month and when I asked I was told if this person did not know what they were doing when they open the account and that all their accounts Had monthly user fees Associated with them. So unhappy that I was I excepted this. Then this year, In XXXX my account went into over Draft status Due to this monthly users fee. 
The bank sent an email stating that because of COVID-19 they were depositing the overdraft fee that they had charged my account ( even though I had been told that this was a safe debit account and that overdraft fees were not charged and were not allowed when I opened it ) and the monthly fee that they had charged my account to bring my account to XXXX so that I could access the full amount of my economic stimulus payment. 
They said that this was not a loan and I did not have to pay this back. I did not ask for this money my economic stimulus payment wouldve covered their fees wrong and probably illegal though they were and I wouldve accessed the remainder of my stimulus check. 60 days later they took the money back out and left my account overdrafted in the amount of XXXX something dollars. Once again they sent their letter saying the temporary Covid relief fund that they put in my account for being taken back up I had never asked for this money they said it was in alone and I didnt have to pay back yet they put it Into my account and then took it back out Its supposed to have been a safe debit account not incurring monthly fees and not incurring overdraft fees. 

Didnt use my account for the next 30 days because it was overdrafted and I cashed my checks at the bank they were draw on Then Department Of Retirement Systems was converting my retirement money to a disability retirement and I needed to fill out my direct deposit form so that I could have this amount deposited directly into my bank account. This is when I discovered that my account was closed in charge of the of an additional {$30.00} was charged to my account. So on an account that wasnt supposed to be allowed to incur fees because of the XXXX that they charged two times that overdrafted my account and the overdraft fee they charged my account and the charge off they charged my account Hey now wanted {$75.00} paid before they would reopen my account. I went to another bank and attempted to open an account, I was informed by XXXX XXXX, but I could not open an account anywhere. 
I feel I was lied to about monthly fees I was lied to about overdraft fees and I dont care how much theyre tiny print on their disclosures covers their asses- do people who cant read the fine print and dont understand it- ( I XXXX is a XXXX XXXX  ) -dont read the tiny print and disclosures they trust the people who open their accounts. 
No I cant get a bank account anywhere and my lump sum retirement money has nowhere to go I cant receive it. I tried sense to open an account at XXXX XXXX XXXX  and at XXXX XXXX unsuccessfully. Can you please help with this I need to have a bank account other than my XXXX account where my Social Security goes So that people The government with my Social Security check are able to deposit money into my account Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX WA. 
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