Consumer complaint received 2017-04-17
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I made an ATM deposit of {$4200.00}  the  XX/XX/XXXX  . It consisted of a check and cash deposit. I forgot to endorse the check. I tried to use my card the next day and it was denied. I called  US  BAnk who informed me there was a fraud block on my account. I went into a branch on t he  XX/XX/XXXX  to  find out what was going on. I was told there was a concern over the size of the deposit. So there was a hold on the check but the cash should be clear after   XXXX   XXXX   and the check  on  XX/XX/XXXX . Cash is meant to clear the next day with ATM deposits. On Monday when  my account was still not right I called and was put through again to the fraud department who told me I needed to speak to my branch. I was informed that there was a freeze on my card and that the check would not be available until the   XX/XX/XXXX .  I went into my branch of the   XX/XX/XXXX   and spoke to the bra nch manager   XXXX   XXXX  who informed me she would have to get some more information and get back to me later that day. I did not hear anything from her so I called the call center again to see if I could get more information. They advised me to contact the  Area Manager   XXXX   XXXX . Before I could contact him  XXXX  called and informed me that there was a fraud hold on my account and my card would remain frozen because of prior returned Checks on the account. I asked her to clarify and she said i had a issue in  XX/XX/XXXX  of cancelled check/fraudulent check. I told her that was not true and I have never had any issue with my account and that she is making things up. She informed me of a deposit I made that had a fraud warning with a check. I told her she had inaccurate information and she needs to find out the truth.      ( BACKSTORY )  In  XX/XX/XXXX  I made a cash deposit not check into an ATM. The ATM was not working correctly and was making a funny noise. I could also see into the ATM a little.  THe ATM  took my deposit but did not give me a receipt. I  called US BA NK straight away and informed them there was an issue with their ATM and I had made a deposit without getting a receipt. They thanked me and said they would send out an engineer to fix it. The next  day I tried to use my card and it was refused, I called US B ank and they said there was a fraud warning because of this issue with the ATM. They apologised and said they removed it all from my account and It was free to use. ) I then proceeded to call  XXXX   XXXX  to see if he could help in any way. He reiterated what  XXXX  had said. He told me that he has called about the check and it will be returned to me as unpaid. He also said the issuing bank confirmed it will be returned not paid ( Check was cleared funds on    X/XX/2017   ). H e said he could not see clearly the transaction until he pulled my account info which would be on the   XX/XX/XXXX  or  XX/XX/XXXX . I ha d not received a call by the  XX/XX/XXXX  so I called again in the   XXXX   and left a message. I did not get a call back. THe  XX/XX/XXXX  I called and left a message and have not received a call back.  US  Bank has fraud markers all over my account which is effecting me using my money because of incorrect and faulty internal measures.

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