Consumer complaint received 2022-12-02
Company: U.S. BANCORP
State: WI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/XXXX I went to US Bank in XXXX XXXX Wisconsin to open up a checking account. I would like to make a note that this was the second time I went into this bank to discuss opening up a checking account and was told that I would get a {$250.00} credit when I deposited my check and I would have to wait until XX/XX/XXXX to receive one portion of my check and then on XX/XX/XXXX I would be able to have access to the rest of my check that I deposited. On XX/XX/XXXX I was also told the same thing when I went in there to get information on opening an account there were also some concerns about an old phone number being attached to my account that they said that belong to me so the first day when I went in there to open the account and I got to the point where they told me that this phone number could not be removed off of my account and I needed to wait I felt that that was a security concern and stop the process. I then called the main branch and asked if that number was removed off of my name so I can go in and open an account and I was told that it was. I also had some concerns about another card being attached to my account that was supposed to be removed on XX/XX/XXXX. While I was in the bank we called the XXXX bank card that is from US Bank while I was setting up the account with a banker and I was told that the card was removed off of my account. After opening the account I was able to withdraw {$20.00} from the ATM immediately out of the XXXX that was available to me and I do have receipts and documentation to prove that these were the amounts that were available to me after opening the checking account so I can deposit my check. When I got home later on that night I went online to check my account and I noticed I was - {$20.00} so I called up the US Bank after hours Help number and I was hung up on twice and told numerous different things. I was told that I was not entitled to any money at all and I had to wait 13 days to get anything from my account that I deposited. I was also told that a fraud alert was put on my account and I had to wait longer so they could verify the check that came from my lawyer. Nobody gave me a heads up about this and I even got a letterhead stating my account information and how much money that I had on the account and I had access to {$220.00} immediately. Now Im sitting here on ease when they knew I was struggling with opening this account in the first place I got no notification about having a negative balance of {$20.00} And already my first experience has been negative because I was hung up on several times. I believe they should let their customers know if there is a possibility that they cant receive their {$220.00} due to some technical difficulties that could happen which is not stated in their handbook. I have XXXX XXXX XXXX  going on and it is the middle of the winter I am in between moving and my car is running very badly and will not go past XXXX miles an hour and I can not access my money at all now until the XXXX according to the lady after hours. This is very disappointing and upsetting because Ive had horrible experiences with banks for the past week and they were very well aware of this. Also I was rushed out and told that they were going to call security for no reason and I also said that I was going to call the police if they didnt set this account up correctly then they got nervous and started doing their job a little better they provide me a very little paperwork and very little information when I set up this account as well.

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