Consumer complaint received 2025-06-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
My account at US Bank stated that I needed to deposit roughly {$97.00} by XXXX to not get overdraft fees. I deposited the money via cash app ( paid extra for instant deposit ), uber driver ( paid extra for instant deposit ) and cash at a US Bank location atm. All of these deposits are set to instantly become available in the account, negating the overdraft fees. Weve all used cash app a XXXX times and uber driver is the same, as soon as you hit send with an instant deposit, the money shows in your bank account as available within seconds. This night the deposits were held with a generic name Id never seen ( XXXX XXXX ) until after midnight allowing for XXXX {$36.00} insufficient funds fees to hit my account. Even the cash deposit into a US Bank ATM was held, even the teller admitted that wasnt normal. When I called and asked how instant deposits less than {$100.00} were held and was told thats standard when its never happened before. I asked if the fees could be forgiven as I upheld my end of the agreement by depositing the money by XXXX with XXXX hours to go until cut off. The agent told me it wasnt her fault the deposits didnt clear in time so they could not remove the fees, I pointed out that it wasnt my fault either as I can only make the deposits and select them as instant, I cant force them into the account. I spoke to multiple people and was told the same thing, they cant explain why suddenly their system held instant deposits conveniently at the same time as I had XXXX pending fees. The deposits cleared and hour AFTER the charges and they still refused to reimburse. I pulled all my money from the account but about {$30.00}. Went to get gas and they had locked the card and account. No transactions were going through the account, any time I tried to use the card the vendors error would say the account was closed. I pulled the rest of the money out and left {$10.00}. Everything was declining even if under the {$10.00} amount and it was sending me notifications every time it declined. Even {$2.00} charges were being declined. The account has been untouched all week with every charge declining including my XXXX. XXXX sent a notification that it declined midweek last week, I forgot about it and went online to pay and saw it had been paid. After declining the charge at least XXXX times over the week, magically the account opened back up letting the XXXX {$90.00} charge go through and put me into overdraft and they hit me with a XXXX fee in less than a week. My mother was a teller for years and I am very aware that tellers have the ability to pause and manually push deposits and charges through. How do instant deposits get paused, accounts get locked and unlocked and XXXX fees totaling {$250.00} were applied to the account without human influence. I work for a well known employer where the reputation is that the employees are rich. I believe I may have been targeted due to my annual salary ( she can afford it ) and because I was pushing to try to catch up after a horrendous financial situation so my account was always fairly low, they took that as an opportunity to capitalize on fees. When I requested proof of the charges and deposits clearing time and manner ( whether automatic or manually pushed ), I was refused this information

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