Consumer complaint received 2016-03-11
Company: U.S. BANCORP
State: VT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Due to the unfortunate fact that XXXX XXXX of US Bank completely ignored the evidence I submitted and answering my question for Case number : XXXX, I am resubmitting this document a second time, as a new complaint in regards to my problem with US Bank. And, like XXXX XXXX has asked to me, I ask him to read this and the document very carefully. 

I opened up a checking account in XXXX and then two CD accounts in XXXX, both at the Yellow XXXX office of US Bank. At both times they were under the aegis of XXXX XXXX, although a second manager handled one of not both of the CDs, under her supervision. 

It is my contention that I opened the CDs with all mailing to go to my Vermont address. 
It is US Bank 's contention that I never did any such thing. They have provided me signature cards as the only evidence of this. 

I have asked US Bank for more evidence than these " signature cards '', namely the full data set for me, due to the fact that during the account opening, I was asked numerous questions all of which the bank manager typed into the computer. During a phone conversation with XXXX XXXX, he offered to research this and discuss " whether ( he ) could do so '' with their lawyers, and said that it could take up to six weeks. I told him to take the time he needed. However, within two days of that, I received in the mail copies of the signature cards, and nothing more. When I contacted XXXX XXXX about his offer to research more deeply, he said he had never done any such thing. 

It is US Bank 's contention that I never contacted them or informed them about a Vermont mailing address until some time in XXXX. Assuming that I did this, the address was not fully corrected even as late as XXXX XXXX, even despite XXXX XXXX own intervention in XXXX of XXXX. As late as XXXX XXXX, I received no maturity notice for a CD coming due on XXXX XXXX. I wo n't repeat the many times I had not received XXXX and had to call in for them. For these errors I only have received apologies from XXXX XXXX, but no explanation. 

The evidence that puts into question XXXX XXXX repeated assertion must unfortunately be submitted here again : a bank statement from US Bank, dated XXXX XXXX. It is for the checking account that XXXX XXXX, in his XXXX XXXX response to my complaint [ Case number : XXXX ], says ONLY was signed for either a XXXX XXXX address or the XXXX XXXX address. And if, as he also contends, I never called US Bank until XXXX to inform them of my Vermont XXXX, how does he explain this statement of XXXX with my Vermont address? 

XXXX XXXX, in his XXXX XXXX response, states once again that US Bank had no notice of an address change until my call of XXXX. If that is the case, then he must at least respond to this bank statement of XXXX XXXX and state how it is possible that US Bank had my address then? ( And possibly earlier. I only have access to XXXX XXXX online. ) His previous unwillingness to answer this important question does not resolve the matter.

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