Consumer complaint received 2016-02-29
Company: U.S. BANCORP
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have filed a dispute with for us bank with the CFPB already case # XXXX the reason I am filing another is because US Bank chose to respond to the fact that it was outside their allowed timeframe to dispute. they sent me a response to that effect to the first dispute. That however is not the reason I am filing a complaint here my issue was that us bank allowed me to open up a brand new fraud case with a brand new case # over a year later instead of telling me immediately that it was beyond the time frame to dispute. The customer service rep in the fraud dep. that I spoke to was aware of the timeframe between the account going neg and when I called them about re-opening the case. I asked if that would be a problem and was told no problem at all that they 'd just open a brand new case for me. I was not told at that time that I was beyond the time to file a case or would have moved forward with other options regarding my account to get a new reliable mode of transportation which is what I was trying to clear the account for if you read the previous complaint listed. instead I feel I was misled when they opened up a new investigation for me. I went thru all the motions and paperwork they required, I put my life on hold waiting for their response which caused additional financial hardship to me and my family. that is why there were XXXX case numbers sent with the original dispute. while waiting for them to respond my vehicle broke down costing me several hundred dollars. I would not have had the extra expense if I would have been dealt with honestly in the beginning. when I was finally given my denial months later it was for the old claim number, they did n't even refer to the new claim they started for me. I even requested a letter about the new claim number and a denial for that but never received XXXX. I believe I made that request in XXXX by phone to them. my understanding of the instructions received was that all documentation was required in a certain amount of days of the investigation being opened and receiving the fraud packet. When they opened up a new case for me I assumed I had 30 days from when I received the new fraud packet for the new case number. Does n't the fax that they opened a new case negate the old one? Do n't they have a responsibility to comply with their own rules based on the new case date? My time was wasted I ended up fixing a car I should not of had anymore and got stuch in a high interest loan by getting rushed into picking a car. I did not qualify for anything but in house financing because they did n't get my bank account fixed. please reference documents from the complaint listed XXXX I will not re-attach them to this one. Please respond the actual issue this time. The fact that I was made to jump through hoops on a case that your company had no intention of approving but never adv of this just told " no problem ma'am we 'll just start you an new case '' that is XXXX and when asked if I was expected to pay something I clearly did n't owe rep told me " sorry ma'am '' also 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 explanation