Consumer complaint received 2017-04-25
Company: U.S. BANCORP
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
Up to last year, I never incurred monthly fees for having a checking account until I started routing my direct business deposits to another bank. Just before making the switch, I discovered a branch employee accessing my account  regularly and often without my authorization while sometimes making money transfers from one account to another. The first time it happened, I requested a counter check to draw on a specified account, but unfortunately the check was linked to an account that I keep only for online purchases. The funds were debited thus triggering an overdraft which the bank paid at my expense. To cover the overdraft, a branch employees perhaps the manager accessed my account and transferred funds from my primary checking to the secondary account. If the check was linked to the right account firstly as requested, I 'd not have had to pay the fees incurred by the bank. Despite my many attempts to reverse the fees, to no avail, the branch manager flat our refused me stating it wa s n't a bank error, though clearly it was.     A few months later, I spoke with a customer representative by phone requesting the secondary account be closed immediately, but again to no avail. It took several weeks of calling both the branch and USBank directly before they closed the account. Meanwhile I was still being billed monthly at {$8.00}.     Even after the account was closed, I discovered money transfers being made to the secondary account from my primary. Evidently the bran  ch manager credited my account twice thinking it was the monthly fees being returned to me, I was grateful, but soon discovered it was a bank 's error and not a courtesy credit.
While on the phone with the branch manager, I was told of a recent depos  it which he could have only knew through trolling my primary account. I had n't even given my account number just my name.     A supervisor told me that all bank employees have the right to access my account anytime without my prior approval. That means thousands of bank employees have full access to my account to do whatever they want to include making money transfers whenever they want.     It 's like having a big brother looking over one 's shoulder, absolutely no privacy nor a safe banking experience ca  n be had when others control my funds.
To add insult to injury, that is despite paying monthly fees for two account for nearly a year, I find the bank 's ATM 's to be outdated and often out of service while providing not a drive through   for convenienc  y.
Furthermore, calling USBank Cust  omer Service regardless of the time/day or issue, I have had to wait many many many many times for nearly an hour to speak with an agent. How about they call me back when it 's my turn so I 'm not holding. In this way, l can actually do some work as I do n't get paid for my time.     Lastly I find the turnover at my local branch to be like a revolving door. It 's nice to be greeted and on a first name basis with the bank clerk only to discover in a few months he/she will be gone. Relationships are all to important, more specifically when a situation arises where someone familiar with my banking needs can help resolve most problems with either a phone call or quick office visit ; ideally this alone is a deal breaker which is why I do my business banking with another banking institution altogether.

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