Consumer complaint received 2016-04-09
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
when I was employed by XXXX XXXX Services I was getting a pay check every week. The company was struggling financially, but they kept paying me on time with no problems. I was faithful to this company for 7 years. We where a small company of less than XXXX employees. We had a shop of XXXX guys and sometimes they would get a check sometimes they would n't. but he kept my paychecks on time. What happened next really surprised me. I was going out of town and return on wednesday. Friday before the weekend he handed me a company check, never does he do that it has always been a direct deposit, so after work around XXXX I deposited the check through ATM. I had US bank as my only bank at the time. Saturday morning i went to the bank and i withdrew {$400.00} dollars and i know it was that amount, because banks wont allow you to withdrawl more for safety reasons. I had {$200.00} in my checking when i made the withdrawl, but because i deposited a night before i was able to take an additional {$200.00}. I did n't want to take more because i had rent to pay that week, so i only wanted to spend what i had in hand. When i get back from my vacation i went to put gas at a gas station and my card was declined, i have no idea why it was declined. I had money in my checking. I tried using it again at the market and again it was declined. so the next day i call my bank and they said my account is closed! they said i commited fraud i did n't understand what i did. They said i should go inside my branch to discuss with the manager so i went in and they told me that the check i deposited bounced and that i withdrew money more then what i had. i explained to them that was a company check and i withdrew because their atm allowed me to take {$200.00} above what i had in my account. So they said they closed all my savings and checking. They put a hold on any money i had in there until they can resolve the issue. The following day i went to the owners bank. XXXX XXXX and explained to manager what happened he said he could n't do much. The owner found out i went to his bank and he really got upset because he said i could of ruined his credit and chances of getting loans. I told him he put me on a black list and it was his fault for bouncing the check he said he was sorry and that he can issue another. That was to late because US bank did n't want to work with me or help me they just shut me down with no phone call or allow me to resolve the issue they just closed all accounts and didnt warn me. I felt betrayed by all parties my employer and my bank. I told US bank that there will be a direct deposit going in that Friday if they can please just take me off the list, they said it was to late they already put it and they could n't do much. I felt that was wrong because not once did they call me to resolve this or give me the chance to fix it. I only found out when i tried to put gas. This has been now years of stress that i can not open any checking account. I have XXXX account and only because my father opened it for me. Its very difficult with only having XXXX bank when they are closed weekends and they are XXXX from me if i ever want to walk inside the branch. I would like US Bank to please take me off this list as it was inaccurate and not fraud.

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