Consumer complaint received 2025-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: NV

Complaint narrative:
XX/XX/XXXX at XXXX XXXX XXXX time my check was deposited from social security and the fourth Wednesday of every month we automatically first thing we do is pay the rent right away so immediately got on the portal of the receiving end enter the information put the money in which I put a little extra this time that way in XXXX and pay less by having a extra in there I sent a {$1000.00} have a receipt from the portal that the payment was in come Saturday I'm taking care of everything and so I really didn't bother to check the bank and apparently it was returned to the bank from the receiver so immediately they took out a fee which they sent back {$980.00} because it was less money so I sent in {$680.00} well it turned out that for some reason XXXX and some never made it so I was concerned that one of the other creditors would take their payment a couple of days early with that money in there and I did not want that to happen until I got this resolved so in the end it turns out where I live that they started tacking on fees and I'm going to end up another {$400.00} that I'm going to have to pay that probably issue me a notice which you have to pay the whole thing or im out so I never knew that my bank had internal small loans to help and right away off the bat they told me I didn't qualify to get one so now I'm in a mess because my rent is unpaid I'm subject to getting a seven day and then I either go to court or I pay the whole amount including all the fees that it's going to be I'm on social security there is just no way I can do this they claim that when that was presented it was {$41.00} short well I took the {$1000.00} out and technically that money is not in play anymore the receiving end already had given me a receipt and had the money well we went ahead and paid cell phone a couple of other things it was still not negative but for some reason they made it negative they sent the biggest one back and that was the first one that was paid that money should not have been involved anymore when there was XXXX and some dollars left so now they have put me in a very bad mess XXXX XXXX XXXX never had an eviction but I'm going to get served a seven day plus all the fees and even if I could try to get the owner to drop some of the fees based on this information I'm screwed because I don't have the money so the only issue now is a week from today is my next social security so now I'm going to have to pay all that out of my next check and then I end up with nothing like right now I have nothing to eat for 7 days and no money and it's going to be the same thing just put me in a bigger hole yet the bank won't admit their mistake and be they have two different loan things within the US Bank that are geared for people that need an emergency anywhere from XXXX to a {$1000.00} and they tell me because it been overdrafted a couple of times in the last couple of months I don't qualify well gee when you do things like that of course it's going to go overdraft and what's the person supposed to do now what do I do with the government not helping anymore and the states now are short on money there is no help XXXX XXXX XXXX yet I look at all the people around me that get free rent don't even work and some of them have never worked and with the rent and what they get is more than what I made working being in business for XXXX and a half years and this is the kind of thing that just XXXX me off the bank caused this problem and refuse to help me

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