Consumer complaint received 2025-11-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: U.S. BANCORP
State: CA

Complaint narrative:
I hope this comes out right I opened an account with US Bank just over a month ago today is Saturday XX/XX/XXXX the problem I having is the bank is not depositing any deposit doesn't matter what kind for XXXX plus days they say the reason for this is fraud and security risks when I ask what those risks are I don't get answered with these deposits not being made my over my count is being overdrafted for each transaction I mean charged {$36.00} even with overdraft protection and everything on my account I've gone back and forth with them about it and why they're not depositing it this morning when I got up to go to work my account balance was negative {$620.00} my last payroll check was deposited which I'm supposed to have direct deposit and it's not being deposited when it's supposed to was deposited on XX/XX/XXXX I immediately paid my bills and other financial responsibilities with that check leaving money left over in the account when going through my statement today which a lot of my transactions are missing or not in order at all I noticed that the bills I had paid after the deposit of that check or what was overdrafting my account when I called the bank XXXX times in the day only thing they would tell me is that it posted on the XXXX of XXXX and they would talk to me like I didn't understand what they were saying I understood what they were saying and that was at the transaction was posted on the XXXX of XXXX even though the transaction was made on XXXX or XXXX Tuesday XXXX the transaction and the amount posted on the XXXX will the transaction and the email were taken out of my account on the day I made the transaction they are saying now that I did not pay for those transactions when I asked him where my money is that I used to pay for those transactions I literally didn't know answer I mean complete silence in fact some of them won't even say another word won't even speak when I ask about it again also because I have overdraft limit of {$50.00} XXXX 's purchases were made if I didn't have the money in the account if they were over XXXX dollars how was it possible to make them again no answer get back to complete silence when I asked what will be done about it and how we can fix this problem the answer I only got was XXXX and that was nothing when I asked about the overdraft fees which I paid {$540.00} in overdraft fees in less than a month I get told that they are legitimate which I agree they are legitimate because the bank did not deposit my money they would not use that money towards transactions and instead again charged me overdraft fees for each individual transaction I do not know how to resolve this I've done everything I can I I did get a couple of people to listen to me XXXX day and they agreed with everything I said in fact XXXX of the bankers got so frustrated he said he needed to get off the phone because he was getting angry cuz he could not provide answers and nothing made sense on my account or my statements in fact they were the only XXXX not to blame me and tell me that I'm wrong cuz that happens every phone call thank you for your time and I would provide a screenshots of this but my bank does not allow them to happen

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