Consumer complaint received 2022-10-06
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
Once again I have found the need to seek resolve for the same issue that I just recently submitted a complaint about. In fact it seems to be the only way that I am able to get an adequate response in order to find closure so that I can move forward. It wasnt until I submitted my complaint to your agency regarding the reversal of a provisional credit, that I was granted the credit and notified that it was issued and it was final. Ironically speaking, on XXXX XXXX, on or about these dates, my account had finally been credited for two other payments that had also previously been disputed. At that time I was told to be sure to complete the forms that were to be sent to me, and return them as soon as possible. As time went on, there were no forms that arrived in the mail, only XXXX different debit cards, two of which I had never requested. It wasnt until after the previous complaint was filed that got the attention of XXXX, of US Bank, XXXX XXXX XXXX, Office of the President, who responded to the complaint by sending me documents regarding the prior complaint that notified me that the credit was granted and that it would be final, but also the documents that were never sent regarding the provisional credits that were issued on XXXX XXXX? Now mind you, the documents that were included in the packet were not only inclusive of the resolution regarding the complaint sent to your agency, but the documents that were supposed to have been sent weeks ago regarding the claims for the provisional credits that were given at the beginning of XXXX! The letter was dated XX/XX/2022 mentioned, the post mark on the outside of the envelope was dated XX/XX/2022, but the correspondence that pertained to the previous provisional credits issued the beginning of XXXX, stated that after the forms were completed they were to be sent back and received by them by XX/XX/XXXX. ( the very next day ) or the credits would be reversed! In whos reality does this exist? Certainly not in mine. First and foremost, I never received the packet until XX/XX/XXXX and at that time I did as I was instructed to do. Without any warning, on Friday, XX/XX/XXXX, I withdrew XXXX $ from my account at XXXXXXXX XXXX. and at that time my balance was as it should have been. It wasnt until approximately XXXXXXXX XXXX. that I checked my balance and the credits had been reversed resulting in a negative balance depleting my account leaving me with a negative {$680.00}! causing checks to be returned and essentially nothing at all to pay bills, get gas or food. Not only that, but the order in which things were done were not only deliberate and insulting but were done in direct retaliation because of the complaint that was filed about the claim that they had previously denied. It is obvious that the documents that were sent to me on the 15th, were not going to arrive in enough time to be returned by the XXXX. because they were sent through the regular mail and not overnight express. I have the envelope that has the postmark as well as the documents that were dated XX/XX/XXXX, requesting that they be returned by the 16th. Absolutely absurd. I have suffered an extremely emotional and financial crisis as a result of the recent deliberate unacceptable events. I am deeply concerned about the actions of a company that claims to be concerned about XXXX Veterans, which my husband proudly is but given the most recent unethical behavior that has been disclosed involving US Bank employees and unsuspecting customers.

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