Consumer complaint received 2026-03-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: U.S. BANCORP
State: MN

Complaint narrative:
This is a follow up to the letter I received from us bank. I was told that upon reviewing the tapes that their staff acted professionally. Its hard to tell someone their opinion, but Ill stick with rude being an understatement. Maybe should be under credit card. I requested time stamped copies 3 times. Each time they said I would recieve them. They keep telling me that the only way they can see the time stamp is when its pr pending. Yet when I call they see the time stamps and have told me what time the transactions were. Upon finding the time stamped I told them any transactions at {$100.00} or above under XXXX minutes I would like to dispute as a double charge. One was charged {$490.00} back to back in under XXXX minutes. So I Went through the transactions explaining it to them how it was a gambling web site. Playing slots I would not go through {$1000.00} in XXXX minutes. So I was read the disclaimer. After I explained thats I feel it was double charge. Us bank started an investigation. I received a letter from XXXX. With a stack of paper work. When I checked my email I saw they had concluded most of the disputes. I question what was done for the investigation. Were they investigating weather or not I would do redundant paper work. Which had all the information on the first page a few pages later it asked for the information on the first page. Insulting, why would I go threw each transaction over the phone explaining what happened to do paper work that is already done. Also I didnt realize their was a time limit so I called. I had to explain that no I am not an XXXX XXXX customer. Yet they still transferred me to XXXX even though I have requested to be taken off that list. I asked if the disputes were closed. Yes the disputes were closed. Due to me not getting the paperwork in. I said was this an investigation on me doing redundant paper work or that I got double charged. What did the investigation consist of if it was closed because I didnt return the paperwork. Did you even talk to the company. Yes we talked to the company. Can I see what they said. Yes you can it will be sent to you. Would it be sent if or if not I requested it. It would be sent. About how long will it take. Its hard to say since the investigation is ongoing. I thought the investigation was closed due to me not sending in the paperwork. Yes it is. Then when can I expect the response from the company. I cant give you a date since its and ongoing investigation. After that she got rude and put me on hold. Then I asked if the company didnt responded more than likely it would be upheld. I find it very hard to believe they contacted the companies. They dont list phone numbers some have chats that give you a XXXX to XXXX hour response time. I think they didnt plan on doing anything sending me a stack of paperwork that should be required if they didnt know anything about it. I wont ever get a letter with the information I am looking for. It will be just like the time stamps. That they cant see or their system wont print. They have returned a {$13000.00} payment then accepted it and posted it 6 days after the payment was received. Saying it was fraud. When I called about the interest charges, I was told that making a payment didnt matter. I would be charged for the the amount on the end of the billing cycle. That I paid interest for the month coming not on the month previous when I say they rejected the payment I sent a {$30000.00} transfer. With {$16000.00} going to the credit card then to see what was left I would pay with the remainder that went to my checking. When I saw the took the $ XXXX as payment I tried to cancel the transfer. I couldnt get it in time the XXXX went into my checking nothing said. The XXXX k put my cc at a neg XXXX. When I asked if they could just transfer to my checking they said no. Your checking account is not to be trusted. Due to a returned payment. A returned payment from the us bank checking account they closed. For an I phone XXXX that was trying to log into my account. I called in the XXXX XXXX is not out yet. Since I called its their policy to cancel my accounts due to fraud, not being told that they would still take the auto pay even though I paid XXXX XXXX that billing period. They still tried to take it from my closed us bank checking. Weird how they closed my checking and savings but left my line of credit and credit card open when I left the bank and checked my phone it had XXXX alerts from us bank saying a unknown device was trying to access my accounts. I called us bank and was told that ab unknown device was trying to get access. If you closed my accounts before due to policy why is the policy not enforced on the accounts now. They refused to transfer the money. They had to do a fraud investigation that would take 14 days to complete. Then 7 days for me to get the check they would mail. 21 days of interest not paid to me but taken by us bank because of fraud. They held the deposit for 2 days I think it was 18 days when they mailed the us bank check. It was around 27 days when my money was put back into the checking account that had no problems taking the XXXXXXXX XXXX left over from the XXXXXXXX XXXX deposit. I was charged interest again and was told I can be charged even if the balance is negative, also they had a charge on the card from XXXX. I hadnt used that card since XX/XX/XXXX. They had no one their they could tell me how the amount was listed as a charge came from. The letter did not say anything about the check printing fee for a box of checks. When I requested XXXX checks. So I could get the routing and account for direct deposit. They ignored me when I was charged for a XXXX dollar that they pulled from XXXX XXXX stating fraud. Still they are more concerned about calling fraud on my accounts when I verify its me than they are on doing anything about the XXXX that the time stamps arent provided preventing me from accurately determining which transactions I feel are fraud. If time stamps were provided as it is my account. Then I would get a another stack of paper work that is exactly what I told them on the phone. To close them because I didnt do what they want. To make me do work that they clearly have all the information the request because its the first page. I dont feel they did a thing except wait to close my disputes I dont think they talked to any of the companys. I will not get the respondes to the companies in question. They would have to loose money if they didnt responde. This is my opinion that they have done nothing to convince me they are doing anything but giving me the run around because they cant accept the fact that they closed my accounts for a non assistant reason. Ever since that day it has been nothing but complications. I have never had an issue in 15 years at that bank. Now its nothing but. Just yesterday I got an email saying thank you for informing us of your travel plans. Im not traveling anytime soon and us bank is not someone I would tell I called got told to hold so they could transfer me to XXXX XXXX. I was on the phone for XXXX minutes to be informed they over rode my bank card when the atm would not take it. I was on the phone wouldnt that have been a good time to tell me you over rode the chip. Instead of the email. Right after I got off the phone mg card was declined for fraud. Yes I am changing banks this just seems being done to make it a problem for everything.

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