Consumer complaint received 2016-07-26
Company: U.S. BANCORP
State: MT
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
Yesterday I learned via a letter from the Branch Office in XXXX, Montana that my account was severely overdrawn. In speaking with the Branch Manager ( XXXX XXXX he said that the problem began when XXXX XXXX XXXX XXXX XXXX XXXX submitted an electronic debit in the amount of {$30.00} which took my account into the negative. The store cited the reason for the " Debit '' as being for " RETURNED ITEM ''. Yet, they failed to provide any other information pertaining to the original " item '' which was allegedly " Returned ''. There was no original transaction number, no date the original transactions was returned, no document number, and above all no amount of the original transaction given. XXXX, the Branch Manager then confirmed that he found no record of any items being submitted by them or anyone else after all checks were paid on XXXX XXXX, 2016. Yet, XXXX, the Branch Manager was insistent that " it was Monday and that he did n't have to time to go over my account with me as he had customers who needed to open accounts. He also repeatedly said that it was n't the banks responsibility to investigate any " disputes '' on my account. He absolutely refused to assist me ; and was quite obnoxious, overbearing, and extremely rude. He repeatedly accused me of " NOT LISTENING '' when I had informed him that I was legitimately hard of hearing. He then informed me that he was going to " Force Close '' my account ; but not until my next scheduled Social Security XXXX XXXX Check posted to the account ; and all monies owed the bank would be taken out before returning any monies left. He further indicated that he " did n't anticipate that I would have much left seeing how every five ( 5 ) days he was assessing another minimum {$25.00} fee for being overdrawn. He knew I had no checks returned to either XXXX XXXX XXXX XXXX XXXX XXXX, or anyone else for that matter. I also informed him of a recent situation involving severe Identity Theft wherein a man who worked for the moving company I had hired broke into my apartment later that same evening, stole pertinent personal data, and legal documents. Since that time he has obtained benefits by fraudulently claiming I am his wife. Still, XXXX the Branch Manager was adamant that it was n't the Bank 's responsibility to " keep track of my records! '' If not, whose is it? This man ( XXXX XXXX, the Branch Manager is stealing from a legitimate XXXXSENIOR citizen of the United States of America ; and has absolutely no intention of returning any questionable " Debits '' and/or " Charges '' to my account for his repeatedly stated reason of " it 's not the bank 's responsibility. Oh, yes it is! I will be left homeless as a result of not being able to pay my rent yet again due to the illegal corporate policy of numerous banking institutions. I have been unable to locate any type of contact information on US Bank other than the local branch which has chosen to keep charging me overdraft fees on an electronic debit which is a the very least questionable. Please be advised that I have also filed a formal complaint with numerous other federal agencies concerning XXXX the Branch Manager of US Bank refusal to investigate ; and continue charging me fees for a debit which was clearly questionable to begin with. He even went so far as to try and explain that he has no control over retailer 's company policy ; and that I would have to take it up with them. If he was unable to locate any legitimate documents having been returned ; and they are just taking money at will without explaining the reason for doing so ; then is n't the banks responsibility to investigate ; and return my money. Lastly, XXXX the Branch Manager stated they do n't send paper statements anymore. I have no documentation to attach. He refuses to give me anything which supports my claims of wrongfully charging me for an item that was never presented. What can I do. I am unable to go above him. Help Me!

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