Consumer complaint received 2017-06-13
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Cashing a check

Complaint:
On  XXXX   XXXX  I was online checking my account, when I noticed a check made out to cash for {$460.00}. it posted on the  XXXX  of  XXXX   2017 . I did not write that check! Frantically I called the number on the back of my atm card and spoke to someone telling her this was fraud! Then she transfers me to the fraud department. And the lady asks me was it a while ago since they took your checks? I said I did n't even notice they were gone, why I asked because the date on the first check was  XXXX / XXXX / 17  it 's fraud get it they made up the date! Still more explaining and then at the end of out conversation she informs me that I 'll have to go into my branch that they could n't help me! Well I work full time, when was I going to get in there? The lady I spoke with did n't even flag my account! Reporting fraud! Cause on  XXXX   XXXX  2017  another check still made out to cash this time for {$600.00}. posts to my account! I am mortified and as soon as I saw that I flew to my local branch. This time I spoke to  XXXX , there on loan for the day replacing the branch manager. I told him my story he then got the fraud department on the phone long story shortened he tells me that the {$600.00}. that cleared mind you with not enough funds to cover that check on the  XXXX  the same day I was in there, asking  HOW? d oes this happen to me twice? I called the bank on the  XXXX  and explained that I did not write that check, fraud has been committed on me????? I received  XXXX  bills from my bank stating that I owed them the overdraft fees on the $  XXXX  and  then we closed the account but they saw there way clear to accep-t my paycheck on direct deposit so they could get their fees, leaving me with no money.  XXXX  swore that on the new account I just opened that {$600.00}. I should see reversed and back to my account ... It is now  XXXX   XXXX  and n ot one re d cent have I seen! When I left the bank that  day I w ent straight over to  XXXX  Police department and filled out a complaint, which I took directly back to the bank and gave  XXXX  the case # that the police had given me, he said good the fraud department will get right on it ... ... Nope! So I go back in to my branch and spoke with  XXXX   XXXX  the branch manger, explained things to him and he makes a few phone calls to find out why there was still {$78.00}. in the closed account? Turns out that was what was left of my paycheck after all was said and done. That is just some scandelous banking if you ask me. I ask Him if checks had been ordered on the new account he told me I woul d Proboblay see them this Monday.Nope again! And we all know how direct deposit works right, my company needs a check! So I do n't know who will need my paycheck worse than me on Friday, but still no . Please hel p me if this ai n't the run around then I do n't know what is! By the way  XXXX  said your gon na  see a charge for the checks on your statement Call me when you do and I 'll take that off. That is nice HUH?

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