Consumer complaint received 2018-11-05
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
When I opened my account no disclosures were provided nor did I elect for overdraft protection or coverage for atm and one time debit transaction. Usbank representative stated the following that there were no remarks in the system with me opting into this coverage or protection. This being said they refuse to provide of proof of this and now they claim I elected to opt in when I opened my account. No body ever asked me about opt in or opt out and therefore how can I elect to something that was never presented to me. In addition. I received no disclosures when I first opened the account which would of alerted me to having an option. Usbank refuses to acknowledge my complaint and telling g me I elected to something without giving me sufficient proof is ludacris. I stated I did not elect, consented, affirmed, or given my consent. Us bank is not following regulations and I want proof I elected and I like the date the time and the representative and the bank when I supposed elected for this. It cant be provide because it never happened. I believe 4 transactions overdraft should be reversed as they fall under this as they were atm one time debit transactions and I never consented to it. It's an account less than two years old and compliance with regulation dd is required. I find this an easy solution as it is bank error and calling a customer a liar and not providing the customer with tangible proof is absurd. Out of 6 overdraft charges I am requesting 4 reversals. If your policy is to lie and tell me I elected for something I didnt than I find you to be in the wrong position. Look all you want but you cant provide with the following is consider the banks error not my error. I like to resolve this account but I find hard to as being told I did something when I didnt makes me want to continue the complaints as it's not just to write me an email with hear say and not providing me with the necessary proof so that we may close this matter. If you have any empathy you would understand my frustrations and would rectify them. Providing me with the basis of being a liar as I supposed elected without providing me the proof or relevant information makes this a really easy problem a bigger one. Customers dont find being called a liar or claiming I consented for something they didnt without a solid answer is not customer service. It's a cheap shot. I will tell you how it feels, so there was man named XXXX   and he finally had a day off and wanted to go hunt ducks, so he went out on his property and and so he shot down a duck, but it just so happened the duck landed on his neighbors property, so XXXX saw XXXX his neighbor holding the duck, XXXX goes, Hey give me my duck!!, XXXX goes, No it landed on my property it's my duck!, XXXX than says I dont know how you were raised down in XXXX but around here we do things differently, I tell you what let 's each get 3 punches and the first one to fall down and not rise can have the duck, XXXX replied, ok, XXXX says I'll go first, so XXXX hits him the stomach, XXXX grabs his stomach in pain, than XXXX  punches him in the face, XXXX  falls back and than slowly XXXX gets his footing gets back up, and than XXXX kicks as hard as he can in the stomach, XXXX  kills over in pain but barely manages to rise and XXXX, yell out ok its my turn!!!!

XXXX than replies " ahh, you can have the duck ''

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