Consumer complaint received 2019-01-25
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
After having to move into a new place in an emergency that is priced at least {$200.00} above the going market rate, the landlord requested that I open a bank account at XXXX XXXX and transfer funds to him through a built in service called XXXX which is convenient for him. 

I had previously had around {$1600.00} wired from my XXXX XXXX account in XXXX, CA to an overseas account and they initially told me they would not be able to get the money back so I told them I would report them to the FDIC and they magically got my money back. Because of this incident and auto-billing my account until it closed due to over draft fees when a family member reported false charges that caused me to go to XXXX, I do not trust XXXX XXXX and avoid banking with them. 

I found another XXXX provider by looking on XXXX 's website and opened the account there. 

After setting my password and pin, the password didn't work so I tried resetting it online and the pin didn't work. They said they had to send me a letter in the mail which would take up to 10 days. I ended up taking my debit card to the branch, having the teller set the pin to XXXX or XXXX ( I forget which ) and then setting my own pin again. 

I sent the landlord a test payment and then sent him the remaining funds for pro rated rent in XXXX. These are the {$100.00} and the {$310.00} on the attachments. I had already paid for my XXXX rent at this point. 

In XXXX I deposited {$1300.00} into the account. I received some error message about not being able to transfer the full amount of rent as I could only XXXX pay {$500.00} at a time or something along those lines. You can see the increment payments being sent to the landlord which is humiliating, psychologically frustrating and caused me a great deal of grief and mental anguish. 

I was fired from my job in XXXX and informed the landlord that I would have trouble getting the rent to him and that I might need to move into a homeless shelter. He was gracious and allowed me some time to come up with the money, find a new job or wait for my unemployment to kick in. 

I received a gift from a family member which is non taxable. I can receive gifts from family members up to {$140000.00} per year without neither I nor the pool of family members paying taxes per the IRS rules. 

I deposited the gift into my checking account on XX/XX/2019 and did the XXXX pay the same day, less than two hours later. First the website would not work on my mobile phone so I used the computer and it said I had the wrong password. Luckily my pin still worked and I was able to log into the account and do the XXXX pay to the landlord. 

Several issues have arised from this transaction. 
* The landlord claims the money has not been received * The Bank posted the withdrawal prior to the deposit causing my account to overdraft. 
* The bank sent me an email that the landlord received the money on XX/XX/2019, it is now two days later. 

In addition to all these problems, I am being charged {$6.00} a month just to pay my rent. This should be a free checking account as I have no intention of using it for anything except paying my rent and I am afraid the State of California will seize the account and leave me homeless if I put the {$1500.00} necessary in the account so that no fees are charged to the account. 

In addition to the transaction holds and lack of availability or access to funds to pay for my most basic necessities through a potential " hacking simulation '' which I did not consent to participate in, I believe the bank has also engaged in the following behaviors which are all separate issue selections. 

Funds not handled or disbursed as instructed Problem using a debit or ATM card Problem making or receiving payments Problem accessing account Banking errors Fee problem -- While typing this message, I received a text message from the landlord stating he had to go into his account and accept the money. We spoke earlier today and he stated he just gets a notification that he has money when other people send him money through 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 non-monetary relief