Consumer complaint received 2017-12-06
Company: U.S. BANCORP
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
Dear CFPB On XX/XX/XXXX I went to my bank ( US Bank, located at XXXX XXXX XXXX XXXX, XXXX Illinois ) and deposited a check for {$3900.00} from a company by the name of XXXX. My husband is ill in Florida and has been there since this last big hurricane and I have been looking for work by way of the internet to get money so I can relocate. I previously went to the bank in XX/XX/XXXX and asked for a loan of {$5000.00} and they turned me down and said not at this time. Later in XX/XX/XXXX I explained to the teller that I had a job offer for an advertisement from XXXX XXXX to put a decal on my car and advertise for them because their sales were down and I would be paid {$500.00} per week. I was suppose to keep {$500.00} for my first weeks pay and send the balance of {$3900.00} to an account specialist at either XXXX XXXX XXXX or XXXX XXXX XXXX. XXXX XXXX XXXX form XXXX XXXX had XXXX text me with an account number ( XXXX ) at XXXX XXXX XXXX because it was closest to my home address. My bank, U S Bank released the funds to me on XX/XX/XXXX without any complaint. I thought the check was good because XXXX XXXX XXXX was not extending me any credit and they cashed it right away. I do not have that kind of money in my checking or a savings account in U S Bank or any other bank. When the bank cashed the check I felt good about the job because I thought everything was legit and that it would workout for me. On Monday XX/XX/XXXX my sister and I was going to the grocery store and I called U S Bank to see what was my account balance and passed out when I was told by customer service that my account was over drawn by {$3900.00}. U S Bank blames me and have taken my pension check {$460.00} plus money from my social security check {$1900.00} and reversed the payment for my car note of {$65000.00} to XXXX XXXX XXXX. My car insurance was an automatic deduction and everything is lost. I received a letter from U S Bank on XX/XX/XXXX stating that the check would be held for seven days but the teller cased it and released me the funds on XX/XX/XXXX. I have since filed a police report case number ( XXXX - XXXX ) and have received two more checks. I hold U S Bank responsible for this mishap. I took one of the checks to the XXXX XXXX XXXX on XXXX and XXXX and right away they recognized that the check was fraudulent and said it was no good and kept it. I need U S Bank to return my funds because I have no money to live off of. My husband has been ill since XX/XX/XXXX with medications costing {$500.00} or $ 600 monthly and we live from pay check to pay check. He is XXXX years old and I an XXXX years old and we need the money back. All of this pain and suffering could have been avoided if U S Bank would have protected me as their customer. The bank tellers are suppose to be sharp enough to detect criminal acts and protect their customers unless they are part of these criminal acts.

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