Consumer complaint received 2023-02-16
Company: U.S. BANCORP
State: WA
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
late XX/XX/2022 i had fradulant activity occor in reguards to my debit card. id chekced my mobil banking app around the 3rd or the 4th and noticed amounts of moneys being soent out of my account that i knew i didnt have there to begin with. as soon as i noticed this i made what i thought were the proper steps to handle the situation. i notifyed the bank of the moneys i did not have leaving my account, questioned how they got there to begin with ect ect. at that point my debit card was closed and turned off. i was told later that it was at that point that i was supposed to recieve another one. that didnt happen. in the mean time i moved to a new adress and wasnt aware that i had an additional piece of mailed paperwork to complete the closing of the debit card account and so as a result of that i can only assume is why i never recieved a new account of which to conduct my regular banking needs with. now, fast forward to XXXX : i get into a car accident. the car iw as driving gets totaled and was therin paid off in an amount of over {$6000.00}. upon finding out i was recieveing this large lumpsum of money i made the mistake of allowing it to be direct deposited into u.s. banks control. that said, i called us bank to recieve the checking and routing number for the only account that i knew i had. that account was the same account that was supposed to be closed. the banker on the phone mentioned nothing of this and was even asked on a recorded line by my self, " will this be ok to do even though about a month ago i had some fraudulent activity on my account ''. the lady i talked to on the recorded line said that it would be fine. XXXX weeks later after calling the bank numerous times to confirm werther or not the money was in my account, i finally got an ok that the money was indeed in my account. i went to the bank on north division to withdrawl it. the teller confirms my moneyu is in the account. i go to withdrawl some of said moneys in the amount of XXXX XXXX the teller does the wiothdrawl and hands me the XXXX within seconds thoubh he says that he had made a mistake and the machine had counted the wrong amount of money out and needed me to give him the money back so he could recount it and give me the correct ammount. like an XXXX i believed him and gave it to him. it was at this tinme that he told me my account had a hold and i was not able to withdral my money.. that was foul, unprofessional and i personally would like for that gentleman to be fired for said events. its all on camera. its all right there to be seen on their cameras. since that day i have talked to customer service on the debit card division, the checking account division, the fraud deptment on both ends, the bank closest to my house and also the bank in XXXX XXXX Washington to get my money and i have gotten nothing but the run around. the banker in XXXX XXXX where i opened my account even had the audacity to tell me that he didnt know when i would get my money, didnt care, and alsio that he didnt feel comfortable giving it to me or reopening my account. it has now been almost 5 months since this started and all i want is the money that is legaly mine. i dont want anything else from this financial institution except the money that was supposed to be for my car being totaled. i have not had a car since this event happened be cause of this.

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