Consumer complaint received 2019-10-28
Company: U.S. BANCORP
State: CO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This Account is relatively new. I opened a student checking account with U S Bank and everything seemed to be okay until U S Bank selected to freeze my account and Close it without my permission. This action was taken by US Bank because a check which was returned, an item i had mobile deposited into my US Bank account on XX/XX/2019. The check was for {$35.00} and drawn on XXXX XXXX XXXX. The check was issued to me by XXXX XXXX as a refunded for a lost Money Order I had misplaced several weeks prior to receiving the check. US Bank stated that the check was returned because it was Altered/Fictitious however the Bank 's position and it's accusation are indications that Bank is incompetent and has implicated me in crimes based on its own speculation. The Check which was deposited to US Bank was not altered or fabricated in anyway whatsoever. Due to banking laws US Bank can not blame XXXX XXXX for the Check being Fictitious because this would be considered Banking Defamation. Ive communicated with US Bank several times about this matter and now I am escalating it in which I will take action against each player in the events that took place. When I received the Check XXXX XXXX set me I First attempted to cash it in person at XXXX XXXX since the item is drawn on that Bank. The Banker assisting stated that she could accept and cash the check however due to a agreement between XXXX XXXX and XXXX XXXX, the check had to be deposited into a XXXX XXXX account which meant I would be required to open an account with XXXX XXXX. I declined this avenue to avoid opening a new account, and taking more of my time. The Banker returned the check to me, before I left the branch I specifically asked the Banker assisting me who turned out to be the Service Manager, at the XXXX XXXX XXXX I visited on XX/XX/2019 if I would have difficulties cashing the check since it had been run through their check verification system. The Banker gave me her card and explicitly stated that there would be no issue cashing my XXXX XXXX Check at another bank or Check Cashing entity and if any issue arose to give the third party her card and advise the individual to call her at the number provided. I then presented the Check to XXXX to cash using its money-services, however customer service could not cash the check for me because ( according to the manager ) the check reader could not reach the account and routing numbers on the bottom of the check. The manager continued saying that this was a common issue. At this point I decided that I would deposited the check into my account using my app 's mobile deposit feature. Which had brought me to this juncture. When I learned that this check had been returned US Bank first assessed a {$19.00} fee on my account which totalled in the amount of {$54.00} deducted from my balance. I Visited the nearest US Bank Branch to me and spoke with a Banker who embodied US Bank so well I then decided instead of explain myself to an ignorant bank that would dare accuse me of fraud and other indecent behaviour and freeze my money and close my account while I encounter hardships and suffer damages I escalate it at EVERY resource available and take action against US Bank and hold it Liable and responsible for my pain and suffering due to its insufficientences and proper mitigation and risk management processes. For example there is A XXXX XXXX   sticker on the front door of the branch I visited about this matter. The Bank as a whole or any one banker can pick up a phone call XXXX XXXX on a secured line and provide the reference number listed on the check as well as the letter that I received with the check or call and requested to speak with upper management at XXXX XXXX and verify that the issued my a check for {$35.00} in order to provide a refund for a misplaced/lost money Order which I purchased with Several weeks prior, an event which predates my decision to open an account with US Bank as a matter of fact.

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