Consumer complaint received 2017-02-09
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check from my fianc 's XXXX XXXX XXXX account for {$760.00} on XX/XX/2017 into my U.S. Bank account at an ATM located at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX at XXXX. I obtained a receipt from the ATM which indicated that my account balance was {$840.00}, and my available balance was {$150.00}. I purchased gas ( {$60.00} ), a dozen cookies ( {$22.00} ), and pants from XXXX ( {$48.00} ). I checked my balance, and it read that my account was - {$120.00}. I immediately called U.S. Bank 's customer service line at XXXX, and spoke with a very rude representative, who stated that I did not have any available funds in my account, and that I never had an available balance. She went on to state that the funds from my check would not be released until XX/XX/2017. She said that any pending transactions would all incur a {$36.00} overdraft fee. This is all nonsense to me, because I have a receipt in my hand that stated that my account balance was {$840.00}, and my available balance was {$150.00}. I had only made {$130.00} I purchases. I called the U.S. Bank customer service line again at XXXX on XX/XX/2017 ( I was unable to sleep ), because I checked my account balance, and it was now - {$130.00}. The representative explained that the computer was still processing payments, and that I should check my account after XXXX. The check in question had already " posted '' to my account. I checked my account at XXXX, and indicated that my account was now - {$78.00}. During my lunch, I went to the branch located at XXXX XXXX XXXX # XXXX, XXXX XXXX, CA XXXX, and spoke with Assistant Branch XXXX XXXX XXXX ( p. XXXX ), who told me that I needed to visit my " home branch '' located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX to resolve any account issues. Moreover, he stated that because my account was newly open ( 28 days ), that every check that I deposited would have a 5 business day hold. This is not true, as the previous day ( XX/XX/2017 ), I deposited a {$100.00}, and there was no hold. XXXX gave me the number to the Fraud department, and stated that they needed to speak with me regarding the check that I deposited. I called the XXXX department at XXXX, and spoke with a very rude representative, who told me that the check that I deposited was suspicious and altered. I told him that it was not. He told me that there was now a hold on the check until XX/XX/2017, and that there was nothing that I could do. At approximately XXXX, I received an email stating that my account had XXXX pending Overdraft Fees for {$36.00} each ( total, {$100.00} ). After I got off of work, I went in to my home branch, located at XXXX XXXX XXXX, XXXX XXXX, CA XXXX and spoke with Teller Coordinator XXXX XXXX ( p. XXXX. I went over the series of events. She called XXXX XXXX XXXX, and confirmed that the account that the check was written on was a valid and active account, and the available balance was sufficient to cover the check. XXXX explained that she would contact the Fraud department the next day ( they were closed ), in an attempt to get them to release the hold on my account. Overnight, the XXXX pending Overdraft Fees posted to my account. Also overnight, the check cleared and the money was taken out of my fianc 's account. I emailed a copy of my fianc 's XXXX XXXX XXXX checking account and routing numbers to XXXX at XXXX on XX/XX/2017. At XXXX, I received a notification that I had XXXX more pending Overdraft Fees on my account - now the total in Overdraft Fees are at {$250.00}. I called, and left a message for XXXX at XXXX, and she returned my call at XXXX. She stated that she has so far been unable to get in contact with XXXX XXXX XXXX, and that the Fraud department is refusing to release the check, and as a result, I will continue to incur fees. XXXX stated that they will not be returning any fees, and the hold will remain on my check until XX/XX/2017.

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