Consumer complaint received 2016-05-16
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I have a checking account at US Bank. 
At about XXXX. on XXXX XXXX, 2016 at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX location ), I asked for a money order for {$120.00} at the bank drive thru. I received the money order. I received an official receipt showing the account 's balance at {$300.00}. 

On the same day at about XXXX., I went to the grocery store and purchased {$13.00} worth of groceries.I swiped my US Bank account card, a debit card, about 4 times and each time it showed the transaction was not completed. So, I said, let me go to the US Bank branch located next to the grocery store at XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX ( hereinafter the XXXX XXXX XXXX location ) to see What 's goining on with my account. 

I was told at the XXXX XXXX location I had a negative balance of {$170.00} or {$170.00} because I had written a check for {$480.00} on my account. I stated that I did not have checks or write checks unless I came into the bank and requested over the counter blank checks and that I had not requested over the counter blank checks for about 1 year. 

After some investigation and questioning of me, the bank teller and assistant manager at the XXXX XXXX location solved the problem. They discovered that the bank teller at the XXXX XXXX location had cashed the person 's check behind me in the bank drive thru line on my account. 

The error denied me access to funds in my account. The error caused me great mental distress, harm, and trouble. Suppose I had went to a restaurant and ordered and consumed food, and I then had given the waiter my debit card to pay for my meal? Which I have done before. Or suppose I had filled my vehicle with gas and then went in to pay for the gas? Which I rountinely do. Or suppose I had went to XXXX, XXXX miles away, and purchased gas at tlhe gas station XXXX miles from town? Which I have done. All of those things I have done before with confidence that the balance in my debit card was accessible immediately for use. 

The error immediately caused me extreme mental distress not only for the denial of immediate funds with which to purchase food but for funds needed for future use to make medical appointments which I had the following day. Initially was told I would have to wait until the following day with would have destroyed my ability to make my medical appointments. But after further investigation by the manager and bank teller and a call to the XXXX XXXX location, the error was corrected on the spot and I returned to the grocery stor and completed my purchases. I was also able to purchase vehicle gas. 

I mailed a letter addressed to : US Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dear XXXX and XXXX XXXX XXXX XXXX on XXXX XXXX, 2016. I asked for an explanation of how such an error could occur. Now I ask for any compensation owed to me as a result of the error and the harm and XXXX caused Sincerely, XXXX XXXX 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 monetary relief