Consumer complaint received 2016-04-11
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX/XXXX/2016, U.S. bank put through a charge for {$710.00}, even though I did not have a positive balance at the time of this charge. The charge was submitted, using my debit card, by XXXX car rental. It has been established by everyone at the bank that we contacted, that we indeed opted out of any and all over draft possibilities. Once I discovered the error, I contacted the bank, and spoke to several people. Including 2 supposed supervisors in " customer " care ''. I will include their name and contact info as hard copy attachments. the explanations were nonsensical. The included, " probably happened '', etc., but not hard evidence, or any evidence at all. The last " supervisor '' XXXX, actually suggested that an " authorization '' was obtained on XXXX XXXX, for {$160.00} by XXXX ( although there was never a charge for that amount per my statement ) therefore according to XXXX, they were able to increase that authorization to {$710.00} on the XXXX of XXXX, a full 18 days later, with no further authorizations ever taken place. When I told him that was a preposterous scenario, and that 's not how the authorization process works, he scoffed and invited me to file a complaint. That was after I asked him to credit my account, as it was clear to me, that a error had occurred at his bank, and laws were broken per the XXXX ( XXXX ) regarding the opt out version as well as the bank unwillingness to supply me with supporting evidence, such as Authorization number etc. I also asked him in a return phone call to ( both phone calls to XXXX were on the XXXX of XXXX, 2016 ) please supply me with the authorization number for the supposed {$160.00} authorization on the XXXX of XXXX. He said he did not see XXXX on his screen. Therefore, he could not supply XXXX to me, but would to the regulator if I filed a complaint. I think its important include the fact that I initially contacted the bank on the XXXX of XXXX, and they got back to me on the XXXX ( today ) of XXXX for the first time. I expressed to everyone that I spoke to at the bank, that I simply want my account credited, and nothing more. And of course for the error to be corrected, so this does not happen to anyone else. They all tried to make this about XXXX. I said it has nothing to do with them. As they attempted the authorization, and your bank should have rejected it, based on my account having far less as a balance, then the attempted authorization. that is per the XXXX. As you will see on my statement, they have in the past charged me {$2.00} per declined attempt at a transaction. It coincidentally happened twice on the XXXX of XXXX. So it is possible for them to decline transactions, when the balance is less then the asking amount. In short, my contention is the bank made an error, and broke the law on several different point, according to the XXXX. this much is clear. It comes down to arithmetic. If an account has a negative balance, then an attempt to have a {$710.00} charge should and has to be rejected/declined ... period. No room for ambiguity. But they refuse ( d ) to comply with the law. Flatly refuse. And also insulted my intelligence and character on several different occasions, with ridiculous scenarios. Please bring them to justice for me, and anyone else this bank attempts to railroad. I should not have to waste my time, and the governments, with this process. They should have corrected the issue. They act like bullies. " Go ahead, file a complaint '' said XXXX. Wow. And he is purportedly, a supervisor in " Customer care ''. PLEASE HELP! Thank you in advance.

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