Consumer complaint received 2025-09-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP
State: NV

Complaint narrative:
The US BANK paid XXXX unauthorized debit payments to XXXX XXXX XXXX  in the amounts of {$1000.00}, {$1500.00} and {$1700.00}. Each time I called the fraud and disputes Dept and complained telling them that XXXX did not have permission to run those amounts threw my account not did I slide my card threw the debit card machine for those amounts. I rented a car for 6 months from them and I had given them permission a couple times over the phone for amounts like {$400.00}, {$280.00} They have my numbers and everything was fine. I have NEVER approved any transaction over XXXX XXXX .. Then, XXXX day my account was negative because of the first unauthorized transaction. I called in immediately and complain loudly and made sure they knew that I DID NOT AUTHORIZE THAT PAYMENT! 
I don't use credit and I pay for everything in full when I make purchases. It is because of that I have Overdraft Protection and Bill Pay turned OFF. In fact the name of this bank account is NOODP OR BILL PAY. I have had this account for at least 10 years and have, on occasion, made it clear to the bank employees that I don't want Overdraft Protection or Bill pay telling them if I can't afford it then I don't want it. 
Until recently if I went into a store to buy a soda and I only have XXXX dollar on my account but the soda is {$1.00} I am DECLINED! And that was fine with me. That's what I wanted. Then all of a sudden XXXX CAR RENTAL runs a charge threw my account for just over {$1000.00}. I knew nothing about the charge. I, in no way gave them permission to do it and knew nothing about the charge until it hit my account making me negative. This happened again for aprox. {$1500.00} and then again for {$1700.00} .. Each time I filed the dispute and they came back with some vague excuse saying they looked at the charge and decided it was valid. In a sense calling me a liar each time. I was furious. 
My account being negative was causing me great hardship trying to run my small XXXX business. I went to the bank at least XXXX XXXXimes over this complaining and I think they got tired of me and CLOSED MY ACCOUNT. They did not even have the professional courtesy to call me or send me a letter.! 
I knew my XXXX XXXX check was due to be direct deposited into US BANK on the XXXX weds of the month so I went to the locaXXXX XXXX office on XX/XX/XXXX and gave them the routing numbers my new bank. XXXX only knows why but on XX/XX/XXXX they sent my XXXX XXXX payment ( early ) to the US BANK. I couldn't believe it but they did. 
Anyway my account was closed and when I called them, then went there in person and then finally presenting them with a formal demand letter requesting them to return the money each time they refused. Each time I informed them of the Electronic Funds Transfer Act that specifically designates XXXX  payment as a protected payment and must be sent back immediately EVEN IF THEY THINK I OWE THEM MONEY. My account was still negative when they closed my account. My XXXX  deposit was consumed by the negative balance caused by them paying a third UNAUTHORIZED DEBIT PAYMENT to XXXX XXXX XXXX 
I have spent weeks trying to get the XXXX deposit back as well as the unauthorized debit payments. Which should NEVER been paid with overdraft protection turned off in an account called XXXX XXXX XXXX XXXX 
Their total disregard for the law and for the directions in my account has got me to the point I just want to give up. I have filled a complaint with the Fed Dept of Comptroller of Currency concerning my XXXX  check but have heard nothing from them. 
I want to see US BANK return the money to me paid out on the unauthorized debit payments plus the {$1000.00} XXXX XXXX deposit. 
That case number is Re : Case XXXX Customer Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

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