Consumer complaint received 2017-10-11
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
This is a follow up to the complaint I submitted on XX/XX/XXXX, reference US Bank and the response I received from US Bank, dated XX/XX/XXXX.
Although this response is submitted after the timeframe of rebuttal, I am submitting so that Consumer Financial Protection Bureau will be allowed to publish the additional experience for other Consumers to be aware of.
As stated, I did receive the response from US Bank, however, the response was not adequate to my complaint.
My complaint specifically advised of the issue, but most specifically advised that US Bank held my Pension Funds, verifiable funds that has been deposited in my account for 5+ years, while they off-setted my accounts. US Bank advised that they had to verify any deposit of funds when off-setting accounts, and therefore held my Pension -- Again, these were verifiable funds, and I was advised in my original complaint by the Federal PPDept in XXXX DC, the Bank 's action was and is illegal.
Furthermore, due to US Bank 's action, they created a Hardship. I was not allowed to pay on time, my mortgage, utilities, bills, ect, and from their action, I received numerous late fees.
Therefore, when I received US Bank 's response, dated XX/XX/XXXX, and read the content, I was appalled at the jargon. The person responded clearly did not read my initial complaint, nor the content of my concern.
The response included verbiage of Bank Deposit Account Agreement, and Account Transactions. The person even went so far as to list when my Pension was released to me in the Bank, but they failed to list that the only reason why the Pension was released to me is because I reached out to the Vice President of the Bank and asked for assistance due to the dire nature of my Pension being held.
US Bank once again proved their dishonesty in responding to my initial concern- Withholding my Pension.
The response also advised to contact my Local Branch, if I have any additional questions. For one, I will not be contacting a Branch, and they are not a Local Branch for me since they closed my accounts. That statement to me is absurd.
In addition, since the time lapse of this experience, I have received numerous correspondences from US Bank, one in particular, dated XX/XX/XXXX advising that my account ending in # XXXX was reopened onXX/XX/XXXX, REALLY? and additional account correspondences. I also received a call from the Manager at the XXXX, CA location, whereas she left a message. Why am I receiving any contact from this Bank, letters or calls? ... .It is apparent that US Bank does not execute proper protocols, and in my opinion, this is a form of Harassment. Since US Bank severage the relationship, there should be no further direct contact, and as of the writing of this additional complaint, I am stating, that I do not want any further direct contact from the Bank from any level.
Thus, this reaffirms my belief from my experience, that US Bank 's Consumer Relationship Reputation is Atrocious!

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 non-monetary relief