Consumer complaint received 2017-03-24
Company: U.S. BANCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
There are multiple issues with U S Bank. I opened a checking account in XX/XX/XXXX, I set up direct deposit for a monthly pension payment and my weekly paycheck. My XX/XX/XXXX pension payment went into a closed account at another bank this was my fault, the payment is availiable on the first of the month I called the closed account bank and they transfered the money to my account at U S Bank the next day US Bank received the funds on XXXX a Tuesday. US Bank did nothing they held the money not even returning it to the pension fund which is handled by US Bank. Normally one would expect the money to be put into my account or returned to the pension fund, neither happened they held it when I called the pension office friday the XXXX of XXXX to check they said they did not receive the money and the pension office would call their US Bank rep. and call me back. When called back the pension office said the money would be put into my account that day. It did not happen The money did not go into my account until XX/XX/XXXX. I made many phone calls to US Bank and was rudely treated and told they do not hold peoples money, but they did my account became overdrawn and they charged many o/d fees when I complained they said nothing could be done about the fees unless it was a bank error. I said it was and again was told they do not hold peoples money. I have been frustrated and have called many times promised call backs that never happen, calls to the customer service center have been very difficult. You can not talk to anybody but the call center no one above a supervisor at call center that 's it. I tried to call corp. head quaarters and the number listed for corp. headquarters was for hearing impaired help. I should have been treated better and no fees to account and have a say in the matter as to them taking liberty with my money and accessing unfair fees in this instance and say they are sorry for this happening. Some call center reps could not believe what happened but said system woul not allow them to do anything. Now the second instance when I opened account mobile banking was availiable to me for deposits, you take a picture of check on the app. and it gets credited to account when cleared.. I tried to do this with a check and it was declined when I called the bank I was told you ca n't do a check for more than {$200.00}. I explained The check was for {$1000.00} and nobody told me about this limit on new accounts, well that 's the way it is they told me, I said what do I do now there answer you have to cash check some other way, great answer, I said that does not address the issue and what I was not told. They then offered bank by mail, I said I do n't know anything about that., they told me just sign the back of the check and write for deposit only under signature and put in a envelope and mail to address they gave me, A little leary I said no deposit slip or anything else they said no, when the teller opens the envelope they will look up the name and account and deposit it into my account. So this is what I do on XX/XX/XXXX first thing in the morning I mail it. I know with the holidays mail could be a little delayed Nothing happens I call the bank they say they did not receive the check, no what give it a few days ok I say then on XX/XX/XXXX I receive a call saying they received the check and they sent it back to me, shocked I said why would you do that, they said no account was written on check for deposit, I said I did what I was told to do and even questioned the process, and asked why would you not call me, they had no answer. So now the only thing happening is fees being attached to my account. They said They sent it back on the XXXX of XXXX I did not receive the check until XX/XX/XXXX. letter dated XX/XX/XXXX, mailed XX/XX/XXXX XXXX a sunday, XXXX Holiday, received XX/XX/XXXX.??? how can that be

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