Consumer complaint received 2022-02-25
Company: U.S. BANCORP
State: MO
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
This is been going in ongoing matter since XXXX when I open my account with USBank and ever since day one I have had to call because they flag my card for suspicious activity from Been I first open my account and had not use that card anywhere yet because I had just opened it so thats why they Were locking my card over suspicious activity because I have never used it anywhere it being a new account just open and I had to call them every time I even attempted to swipe my card or go to use it making it very difficult and stressful and frustrating that I had to be on the phone with us bank more then 5 times a day unlocking my card then they would tell that it was unlocked and then I would go to use it again and it wasnt unlocked just making me call him again and going through it all over again and being on the phone with him over three hours one time in the store and having my car keep declining to the point where we had just said forget it having 2 screaming kids and the store manager was even aggravated towards us and had to rescan the items from timing out on the transaction from being on the phone trying to unlock my debit card just for in the end it wasnt even unlocked for us to ever leave the store With any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were going to be taken out of my account and not even leaving with any merchandise and then calling US Bank back after the store themselves telling us we were not going to be charged for that purchase because it was declined then be calling US Bank in them telling me the same thing promising no funds were gon na be taken out of my account because it was declined and not authorized but yet funds were still taken out of my account and Im not just talking about 1 or 2 times More like over a handful and the past week trying to get us bank to help me or the stores but they had just told me they cant do anything that I had to take it up with us bank and resolve this issue with them and over a week now everyday of being on the phone for over 7 hours literally trying to get my account not to close and be able to finally Use my funds being Im unable to get propane bring our only source of heat and under 20 degrees and then being told by the fraud department it was the cafe department and then back and forth then finally getting more help today saying that it was there mistake and how sorry for this inconvenience and ever happening in the first place and all the time and problems dealing with all they had caused me and having. XXXX babys without heat because they have a hold on my funds and closing my account and finally said today after 7 hours they were able to fix my account and it wouldnt be closed and i would be able to use my debit card snd funds in my account and after all day on the phone getting told finally my account was fixed just to hang up and then go to use my account and it to still be locked and I even called bank was on the phone for another 3 hours to get disconnected after every time asking to take my number and please call back if we got disconnected just to never get a call back from us bank not once and this is a large amount of money XXXX to just get taken out of my account to be put back snd have them end up walking my account and seeing that it was being closed and then not knowing why in the first place and then after dealing with it for days on end every day hours and hours of being disconnected hung up on transferred and disconnected and on hold and getting nowhere finally today getting told it was going to be good and fine and fixed and its not and then getting hung up and disconnected again I need help because they are not helping me at all whatsoever and Im just going round and round and this is left me in a very stressed frustrated ridiculous situation that I have never experienced with any bank ever And I dont know what to do because us bank isnt helping me and Im so frustrated and stressed about this all I need help desperately this is a very difficult situation and urgent please Im needing help for getting my money back ASAP and actually receiving help not just being told that its fixed and then to start all over again please please help me ASAP

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