Consumer complaint received 2016-10-27
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I was visiting in XXXX, XXXX and there are NO US Bank branches nor ATM within several hundred miles. My checking account became overdrawn because I wrote a check # XXXX, for {$800.00} to XXXX XXXX for my XXXX yr old Mother to move-in. 
I have overdraft protection on my account. The check was paid. I knew I owed US Bank for payment of that check. I began calling US Bank on Tuesday XX/XX/XXXX16 to determine the quickest, but least expensive way to get a deposit back XXXX. [ Monday, XXXX XXXX was a Bank holiday, XXXX XXXX. ] On XX/XX/XXXX16, I purchased a XXXX Postal Money for {$830.00} and I begin a several day journey to accomplish this goal. 
I spoke to at least XXXX different XXXX beginning on XX/XX/XXXX16. I was given XXXX different addresses to US Bank linked ATM " XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' in the XXXX area. US Bank had XXXX my ability to make a deposit through their " mobile app '' because my account was in a NSF status. Beginning XX/XX/XXXX16, I began traveling to each ATM only to my horror, to XXXX that XXXX was a " debit only '' ATM. And the other XXXX locations were locked, secured facilities for XXXX XXXX XXXX " XXXX, XXXX & XXXX '' employees ( plant locations with a XXXX XXXX forbidding entry to the general public ). 
By Friday, XX/XX/XXXX16, I had contacted XXXX US Bank CSR who told me that she could see the multiples times I had called trying to rectify this problem. She offered to credit me XXXX NSF of {$36.00} if I successfully made the deposit before the close of the banking day. This was impossible for as I reached the final destination, it was yet another locked secured facility for XXXX XXXX XXXX " Light, XXXX & XXXX '' employees ( plant locations with a Guard Station forbidding entry to the general public ). 
Totally devastated, I called US Bank again on Friday, XXXX, and reported my findings which thereby had prevented me from making the deposit and getting certified funds into my US Bank checking account. 
On Monday, XX/XX/XXXX16, a US Bank telephone CSR gave me the following " Deposit by Mail '' address : US Bank By Mail XXXX. XXXX XXXX XXXX XXXX, XXXX XXXX I went to a XXXX XXXX XXXX branch in XXXX, on Monday, XX/XX/XXXX-16 and I paid {$22.00} to overnight my Postal Money Order for {$830.00}, ( dated XXXX/XXXX/16 ) for Deposit to my Checking Account at US Bank. It was received by US Bank and {$830.00} was credited to my Checking Account ending in " XXXX '' on XX/XX/XXXX16. Finally, I had successfully made the deposit and my US Bank Checking Account was positive. 
However, this did Not end the problem. I returned XXXX on Friday, XXXX, 2016. Although I had " jumped through every hoop '' which US Bank had given me, I learned on Tuesday, XXXX/XXXX/16, that US Bank " Fraud '' Dept. had placed a 7 day business hold on my deposit of the XXXX XXXX XXXX XXXX of {$830.00} when I received a letter. 
I called the US Bank XXXX XXXX more than 2 times beginning XXXX XXXX, 2016. Furthermore, I went to my local US Branch with the " official stub from the XXXX XXXX XXXX XXXX for {$830.00}, dated XXXX/XXXX/16 '. The Branch Representative called the Fraud Dept. They denied my request to remove the hold on my funds, and furthermore, explained that a deposit of {$830.00} was a " large deposit for me. '' In addition, all my other deposits were made through " electronic transfer. '' When I reiterated that it was a Postal Money Order sent " Express Mail, '' this US Bank Fraud representative told me that he did n't care, and that my funds would NOT be released until Friday, XXXX XXXX, XXXX. 
I only tried to do what was upright and financially prudent and send guaranteed funds back to my US Bank checking account XXXX. I arrived back XXXX on Friday, XXXX/XXXX/16 and US Bank still shows my account in an overdraft status, and will NOT release my deposit of {$830.00} until Friday, XXXX/XXXX/16. I feel that I am a Victim of " Discrimination! '' Please Help Me!

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