Consumer complaint received 2021-01-10
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
never authorized anyone to enroll me in over draft protection an I want this fixed. 
XXXX XXXX I have a us bank XXXX XXXX XXXX XXXX, an I am writing this an I will be calling my local branch on Monday due to the fact that I am outraged by the fact that it took me quite a while to under stand why I can get my balance out of the neg.knowing it stemmed from a 10 day hold that was placed on a check that was deposited of a authorized user for 10 days. When I came into the branch I explained how I was wrongly accused of depositing a check I knew would not clear, when it did an then I was lied to by the manager who agreed to take the NSF because of the hold off my account an return the money back to my account an then only removed 2 of the 4 that I was charged. From that point on I was repeatedly hit will NSF fees of XXXX each for up to 4 an 5 times a day when according to what I saw every thing cleared. Now after not only depositing twice what I needed to to get out of the negative I still cant get my bills paid. I NEVER ENROLLED IN ACCOUNT PROTECTION. In fact when I was in the branch that after noon I was told I would be switched to a standard account which has less fee charges. In less that 30 days I have paid 43 NSF fees which total roughly XXXX when we live pay check to pay check an no after being diagnosed with XXXX  an quarantined from work money is tight. And I cant buy food I cant buy gass or pay my bills because of this clear reason as to why the federal government put a law in place that forbids banks from automatically enrolling customers into account over draft protection. I am beyond furious. I cant even get gas to go to work when I am release I am closing this account an think that in these very hard times your bank should be ashamed of this first I was told I was a lier an then my account is XXXX of XXXX putting me so far into debt I could loose every thing I am consider legal counseling on this matter if I dont get refunded this obscene amount of over draft fees. 2010 the federal reserves forbid banks from automatically enrolling customers in over draft protection for this very reason then then in the mist of covid another federal restriction was put in place so that people hit by the covid financially didnt have to worry about fees being withdrawn. Inlets than 30 DAYS XXXX IN FEES WERE STRIPPED FROM MY ACCOUNT LEAVING ME SO CONFUSED THST I FINALLY DOWNLOADED ALL MY STATEMENTS TO BE HORRIFIED THAT A BANK CAN LEGALLY DO THIS AN NEVER SAY ONE WORD. I TRIED MANY TIMES to CALL THE BRANCH AN THE PHONES HAVE BEEN NOT ANSWERED BECAUSE THE LOBBY IS CLOSED. Do you have any idea how frustrating it is to not be able to put gas in your car just to get home or have no money for grocery my car payment is now late because of this. I mean the list goes on an on I filed a complaint today an was able to get your email. Because I explained how iv been calling an people thought I was lying because I wasnt able to get threw day after day confused broke borrowing money feeling ashamed cause I never had a problem paying my bills before I have deposited over XXXX in the last 2 months an this bank note I only locked up my account for 10 days but again for 5 days an took XXXX leaving me owing you an I want this fixed now. I am prepared to take all my documents to the highest level possible because Im not going to loose everything I have worked for over something I did not authorize or ask for. I know all about how this program works its a rip off so it never crossed my mind that was the problem until I started investigating it thinking I clearly did the math all wrong only to be shocked to see it wasnt my fault. An I am still suffocating from this financially so I am prepared to go legal if I have to.

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