Consumer complaint received 2024-07-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I was taken off work by my XXXX  from my six-year job with the State of IL in XXXX and have not had a steady income since that time and am still waiting for settlement as well as the back pay for the year I was off unpaid from SSXXXXI which I have a hearing for next month. I was able to collect my unemployment for a few months, but that money finally ran out back in XX/XX/XXXX since then I have kept in contact with my bank US Bank in XXXX, IL speaking with XXXX and letting her know monthly or more often what was going on with my account and why, as my account got behind after my unemployment ran out in XXXX XXXX, so I picked up a part-time job at XXXXXXXX XXXX department store, and told XXXX and the bank I would continue to make weekly deposits to make sure my account was returned to a positive balance and that I had already set up my widow 's pension to go into my account direct deposit when it starts on XX/XX/XXXX for {$1900.00} month. She said it was fine and to call her in between and she could reverse any XXXX  and monthly fees for me. I did this and have also made the weekly payments up until this week, as I had to take off work again due to my health issues. I then looked at my account a few days ago and saw they had paid a couple of auto-pays and added another {$160.00} in XXXX  and bank fees to my account so I called XXXX several days and she was off on vacation, then called her today XX/XX/XXXX and asked her if she could reverse the fees but she said the account was now {$900.00} in the negative ( with the {$160.00} in fees ) and that I had already had about {$400.00} in fees reversed since the account went into the negative. I told her AGAIN what was going on and how I am trying to keep the account open as my direct deposit from Social Security is supposed to start and go into it on XX/XX/XXXX as I already told them and that I have continued to make payments into the account weekly and did notice they paid a couple of auto pays but that nothing else should be coming through as I stopped them all. I also have contacted them and requested twice that they allow me a " Simple Loan '' and I applied on their website for it, which they and their corporate office mentioned to me months later, they should have let me know about this when my account first got behind after I told them what was going on. So, then they denied me the simple loan " Because my account is in the negative ''. XXXX was of no help today when I called her whatsoever and said the account would probably close, the corporate office told me this a week ago too, on XX/XX/XXXX if I could not bring my account current by then after I explained to all of them XXXX XXXX TIMES my social security direct deposit for my widow 's pension is already set up to go into the account on XX/XX/XXXX and I can not stop it now and that it would bring it current and that is all I can do!!! She then said XXXX would have to approve anything as he is head of the XXXX XXXXXXXX IL branch where I opened the account. I told her I did not open the account in XXXX  XXXX, IL but came into the XXXX IL location where I am living and opened it in person with the girls. She kept disagreeing and said it showed XXXX  XXXX and would not listen, as he did not listen to what I said above either. Then she said, " If the account closes you will be put in XXXX XXXX  and won't be able to open another bank account and it will be marked as fraud, which is it not, if I block the account as corporate mentioned to you that I do ''. I told her I have another bank account already and I don't care at this point ( as they have treated me so horribly and unprofessionally and not helped me in any manner, all they want to do is make me go get a loan at a payday lender and pay them off so they can keep the account and get all of the money and a large direct deposit monthly going forward ), this is the worst bank I have ever had to deal with in my life and I worked in commercial and investment banking as well as county, state and federal government most of my life. They also advertise online they have advanced loans for those who need a loan before their direct deposit goes in, yet never offered this to me either. My direct deposit is supposed to go into the account on XX/XX/XXXX from the SSA and it is too late to change it at this point. I was able to change it on their website starting with my XX/XX/XXXX payment, but not the XX/XX/XXXX payment so if they close the account before my first check is deposited in that account it will be returned to the SSA and mess all up and I need it. All they need to do is reverse the {$160.00} in fees to drop the negative balance in my account to {$740.00} then allow me the advance to cover that amount until my direct deposit hits the account then take that amount out of my direct deposited amount. I don't have any other payments coming through until after the direct deposit hits my account. Yet they are doing NOTHING to help me but threatening to close my account if I do not pay the {$900.00} right away somehow, which I do not have and can not get, my other account has a XXXX balance. AGAIN, I am a XXXX, twice-widowed mother, with no financial help, and off work and waiting for my survivor 's pension to hit my account, while also waiting on my two settlements as I apply for other part-time jobs. My credit score dropped to XXXX due to being off for a year unpaid and I only have a couple of loans on my credit file anyway, so that is another reason it is low, though I have many paid-off accounts. I don't like using credit unless I have no choice as I can not afford to. This is why I can not get a loan and move money to my account to cover the negative balance, or I already would have done so. They should be able to make a small loan like this to me with ease as I have been with them for some time now.

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