Consumer complaint received 2022-04-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service to put a stop payment on 3 checks ( XXXX ) that were made through bill pay. I was told I could not do this without the check numbers. I told customer service that I did not have the check numbers as they were automatically generated by US bank when they produce the check and mail it, but I did have the amounts ( they were all for the same amount ). Again, I was told that there was nothing that they can do and to call back if and when they hit may account. 
XX/XX/XXXX ( XXXX minutes ) : I called US Bank customer service as the 3 checks processed on my account the business night before. I was bounced around within their departments ( 5 times ). Finally I was told that there was nothing that they could do as they had hit my account ( contradiction to my call to US Bank on XX/XX/XXXX ) and I had to call XXXX to get them stopped. They did end up reversing the overdraft charges. 
XX/XX/XXXX ( XXXX minutes ) : I called XXXX and they told me that there was nothing that they could do as it was US Bank 's responsibility to stop payment on them. 
XX/XX/XXXX ( XXXX hour, XXXX minutes ) : I called US Bank back again and told them XXXX could not help me as it was up to US Bank. I started getting somewhere. One of the checks ( XXXX ) was returned NSF. She did put a stop payment on that one for the next time it was processed, and told me to call back tomorrow to make sure it was in the system. As for the other two checks, I was told that US bank does have access to get the check numbers that they processes with bill pay and that customer service should have transferred me to the Online bill pay department. If this was done, the stop payments would have been place on these three checks on XX/XX/XXXX. She put in a paper item adjustment for the amount of the two checks that were processed and I should have the funds back in my account on Thursday, XX/XX/XXXX. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank and verified that a stop payment was processed for the check that was returned NSF. Confirmed that it was. 
XX/XX/XXXX : Called US Bank as the credit was not in my account. I was told that is was pending and that it would be processed later that night. 
XX/XX/XXXX : Called US bank as the credit was still not posted to my account. I was told that it was rejected and they were not going to credit me back the money for the bank error. They also said that they were going to pull up my original call I made to put the stop payments on the three checks and use it for training purposes. I also asked to leave a message to the person who processed the paper item adjustment to give me a call. 
XX/XX/XXXX ( XXXX minutes ) : Called US Bank to email me the notes of the conversations since XX/XX/XXXX to file with this complaint. They refused citing it was personal information. I asked to speak to a manager. The manager never answered and I left him a message to call me back.

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 non-monetary relief