Consumer complaint received 2016-05-03
Company: U.S. BANCORP
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a XXXX XXXX XXXX at the XXXX XXXX University and I have a XXXX year old son whom i am trying to raise on my own ... My Son and I only source of income are student grants when allowed and the rest is from student loans which is used as my only source of income My tuition and books are taken out of the loan then i use the remaining money about XXXX dollars gas going back and forth to XXXX XXXX which is XXXX miles round trip 5 days a week and I pay my rent which is XXXX a month and daycare. which i pay XXXX every other week. ( My x-wife pays XXXX dollars the other weeks ) I depend on this and as only source of income.. My son and I do get food stamps for groceries and even with that, life is tough when trying to make ends meet ... My problem is with US Bank located in XXXX Ky I will make this as brief as possible will give more information later. if needed, 4 yrs ago XXXX XXXX i had a US bank account in XXXX Ky. I was having a difficult time and I had XXXX of insufficient funds. I was aware of it, I had informed the Bank as soon as I got my student loans that I would pay the bank back.. In the mean time i had relocated to XXXX Ky XXXX miles away and opened up another account at US Bank in XXXX So In XXXX XXXX I went to the bank in XXXX Ky to pay my debit to the bank ... Only to my surprise I was told by the bank that the account had been closed and I was not able to pay it.. It had been turned over the the Credit Bureau. and the books had been closed on the account. little did i know that they were adding fees the whole time!!. I did ask where I could go to get this paid.. I was told by US Bank that I would be billed for it at later date. I never receive a bill nor did i pursue it The bank had my correct address and my correct phone number ... and my e mail address And figure they would get in touch with me ... .. I never received a notice. phone call or a email, ABSOLUTELY NOTHING requesting a payment, I did enquirer to the US bank in XXXX how I could make a payment and they were not SURE and informed to let them contact me ... SO XX/XX/XXXX I again received my student loans and my refund from my income taxes. On XXXX XXXX, XXXX US bank, out of no where took out XXXX out of my checking account, later that week i received a letter from the US bank loss prevention team and informed me ( after the money was withdrawn ) that they were taking the money. I did contact them and I was told that I owed the money and nothing they would do but they kept adding fees which ended up XXXX dollar. Never once did they try to contact me or try to resolve this situation by allowing me to make payments. they ... I had XXXX in my checking account. US Bank withdraw from my account XXXX which leaves me XXXX Daycare of XXXX must be paid Friday and that leaves me of XXXX for gas .. i am completely out of money I have went to the bank in XXXX XXXX with president XXXX XXXX then to XXXX spoke with XXXX XXXX which have told me nothing else can be done, books has been closed .. I have offered to please allow me to make payments or ask is there anything they can do to work with me through this.. both said there in nothing that could be done.. XXXX XXXX did say she would type a customer complaint form but didnt think it would do any good.. Their side was that I should have pursued this situation even though i did try to pay this. XXXX XXXX said i should have persisted and keep coming to the bank till i found the way to pay.. believe me when i owe money any company always find a way to find me and not play hide and seek with me ... I know i did wrong by bouncing checks 3 yrs ago and i have learned a valuable lesson but now it is not just me.. I have a XXXX yr old who depends on me. u r my only hope Thank You

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