Consumer complaint received 2015-11-17
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (AR)

This complaint will look like a duplicate but it is not because it addresses XXXX issues both unresolved : First U.S. Bank reported to XXXX sometime XX/XX/XXXX that I had an account closed for " Suspected Fraud '' I never before XX/XX/XXXX even had an account with XXXX Bank my initial complaint about this was met with an apology and the account being " removed '' by U.S. Bank and an offer to open an account with them. I took the offer and it did NOT work out see issue two. Now that the account I DID open with U.S. Bank has been closed I went to open a new checking account and learned that the fraudulent U.S. Bank report of " suspected fraud '' was never removed and is still on my XXXX and XXXX reports so they lied offered me an account hoping I wouldnt notice luckily for me I found out how bad they are and have now learned about the initial lie. 

Issue TWO : more lies after lying to get me to open the account with them my card BRAND NEW CARD was compromised and I had to file a claim no big deal I have overdraft and they promise hey your car payment will go through if its attempted since we have a fraud investigation going through and any overdraft fee will be waived. Long long story short my account was closed and I now " owe '' them XXXX ALL OF WHICH is in overdraft fees that they promised would never happen I know they wont acually respond to the complaint with more than a dunned email and a deposit agreement. The verbal contract *recognized by law in arkansas with a witness lucky me i was on speakerphone at my desk and a co-worker overheard it* to waive ALLLLLLL fees related to the fraudulent activity and the promise that my car payment would go through was not kept that being just as valid as the deposit agreement invalidates the dunned response but U.S. Bank doesnt care as long as they get to do what they want they continually walk all over the consumer. I have an idea NO MORE BIG BANKS period all of them should be broken into small regional bank and have a regional headquarters and more oversight than ever before this kind of thing banks love to pull is a huge reason our banking system is broken. 

You would think just to provide half-way decent customer service they would have fixed the issue solely because my card was compromised within the first month that doesnt promote a positive experience instead not even an apology and more fees than should even be legal and then they get to strong arm us into paying by reporting us to XXXX so they get their money they did NOTHING to earn returning a transaction does not cost money having a negative balance does NOT cost money its basically an excel column on a smart spreadsheet with a negative value that cost nothing. Had I overdrawn myself ( I actually revoked the overdraft protection when I reported my card stolen with the promise my car payment would be okay to go through and pay back after the investigation ) then I would pay the fees all of them. At most I owe XXXX fee I dont feel I should owe any because had the fraud not happened my direct deposit would have been moved to that account and no overdraft would have occured even if just the fees were removed my balance would be poisitive so XXXX?