Consumer complaint received 2021-04-03 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
Friday, XX/XX/XXXX This complaint is an addendum and follow up to the original complaint filed : the number is XXXX, as US Banks bad behavior just won't quit. Apologies for the typos in the XXXX  letter. This is what happens when you have a life outside of having to put up with US Banks poor treatment of you. The list is so long I can not even discuss everything here. Luckily I was able to capture most of it in the previous letters and this one. 

While I am still waiting to hear back from XXXX XXXX XXXX promised to call me on XX/XX/XXXX ), and now XXXX XXXX XXXX XXXX promised to call me on T, XX/XX/XXXX ), a third party that has no access to my personal checkings and savings accounts, has now brought to my attention that US Bank is claiming that they closed my accounts for me. As usual, absolutely no calls or emails to me on this from the folks that promised to call me back to help resolve this. As usual, theyre always pulling their underhanded games when I in fact closed my account officially on XX/XX/XXXX when I notifed the XXXX, XXXX in email. I am through with all of their sly and low-balling games. 

XXXX XXXX confirmed with me in early XXXX that their standard is for the person that I reach out to that is supposed to call me back within XXXX hours or sooner is supposed to call me back within that time frame. They have rarely upheld themselves to this standard as evidenced in all the emails sent to you so far, among so many other standards they never adhere and uphold to with me. They are also speaking to a third party about my private personal and checking accounts and not directly to me even after Ive already told them that I wont accept their slow mail anymore as a result of how badly theyve treated me for so long. 

US Bank continues their unethical practices with their untrustworthiness, lies, stonewalling, passive aggressiveness, etc. While they are claiming that they closed my accounts for me, I closed them on my own accord finally after many forewarnings I provided them, as a result of all of their negligence in refusing to respond to my multiple attempts to reach out to them about an original concern that they refused too resolve effectively and efficiently. 

XXXX XXXX has a track record of her negligence, excuses, stonewalling tactics, etc, years before I finally submitted my official closing of my accounts in my final email to XXXX XXXX on XX/XX/XXXX. She's never in her office every time I call, or she stepped out, I leave a message, she never calls back. or she has someone else calls me when I need to talk to HER! Shes always on vacation. The front has lied to me saying she is not in the office when I found out through others that she in fact IS in her office, etc. So many occasions this happened now. Back to the final email on XXXX to XXXX This was after he promised to call me the Friday Before. As usual, no call. I follow up on the following Monday, still no call. So I sent him the email on my own accord to clos everything. Hours later that same day, Mr XXXX XXXX  leaves a message on phone saying that obviously they got the email and that they are sending things in the mail. But this is premature. My new bank said the easiest way to transfer all of my funds WITH NO FEES, is to wire transfer everything over. 

This group has had several opportunities in the past -- - I mean, SEVERAL, and they blew every single forgiving chance I gave THEM to rectify the situation with my original request. But of course, they add insult to injury by ignoring and gaslighting me in literally every situation. The most well-behaved individual out of the lot was Ms. XXXX XXXX who would not have even reached out to me had I not taken the time to fill out one of their surveys. I am not saying that shes fantastic, but she is far better than the rest. At least that was how she presented herself to me that day. But as usual, the original problem is still not solved. 

This type of white collar criminal behavior ( unethical ) - the negligence, the stonewalling, the refusal to handle my funds properly -- warrants individuals in this organization like Ms. XXXX and the other offenders to be sent to prison. Their choice of behaviors with how they mis-treat customers and mishandle peoples ' money XXXX XXXX XXXX XXXX XXXX, shows me month after month, year after year that she deserves to get the same treatment from other bullies out there since this group is so quick to dish out this type of unprofessionalism and negligence. 

Their claim that " Our goal is to provide efficient, accurate, and courteous service, and we share our disappointment in learning we have not lived up to these expectations/standards. '' So far, based on all behaviors and negligence and horrible customer service and attitude committed to say at the very least, this group continues to lie and promise " efficient, accurate and courteous service ''. US BANK MOST DEFINITELY DOES NOT PROVIDE " EFFICIENT, ACCURATE, AND COURTEOUS SERVICE '' the majority of the time. 
THE EXCEPTION OF THIS IS MR. XXXX XXXX AT THE XXXX BRANCH. BUT HE IS A RARE EXCEPTI. SADLY, THE BANK IS NOT A XXXX MAN TEAM, SO US BANK NEEDS TO FIRE ALL THE OTHER MIND JOBS AND RECRUIT AND HIRE MORE XXXX 'S FOR SURE. 
US Bank has proven to me over and over again that their words mean nothing and I can not trust them one bit. If they wish to keep at least some shred of self-respect, they'd be very wise to re-open up all accounts so that I can re-wire back to my new bank which I like so much better and most of my family members go to others banks as such. Also, fire Ms. XXXX. 

Once I am DONE talking to a group that his mistreated me so poorly, I am DONE reaching out to them. And I am also done reading their mail.. I am no longer accepting anymore mail from this group, nothing. While they are incredibly lucky I showed them forgiveness and mercy and talked to them to give then time to improve, as usual, they blew it. MORE MORE! 

I had better see all of my accounts AT ONCE reopened and NO FUNNY FEES AND CHARGES TO MY ACCOUNTS, for me to wire my money over to my new bank. No XXXX XXXX. 

1 ) This past Monday, Ms. XXXX XXXX promised me that she would reopen my accounts for me to handle my money and that she would call me the very next day Not surprising that she too, broke her promise to me, and neglected calling me back. 

It was also very harassing and unprofessional of her to go off on how " one should pick up the phone for something important like this ''. Firstly, in no way did I ever say to this female that i don't pick up my phone. Also, it is really none of her business if the customer chooses to not pick up the phone or not. Customers work too just like US Bank employees, but apparently she was too dense to understand this. 

I expect individual letters of apologies from Every person I have emailed in the records shown to you for their criminal and unprofessional behavior at the very least. Ms. XXXX, Mr. XXXX, Mr XXXX XXXX  for not responding to my original which prompted me to have to reach out to Mr. XXXX in the first place, Mr XXXX XXXX, Ms. XXXX now at the XXXX XXXX XXXX and her rude employee ( XXXX XXXX XXXX that never even smiled at me and just made me stand there in silence without saying anything to me for like five minutes at a time. Newcombs employee also lied to me repeatedly and would always evade answering me when I had to ask her more than XXXX times the branch XXXX 's name. She still refused to give me the branch XXXX 's name although I asked for Ms. XXXX 's business card, and to cover herself, she then said " XXXX '' after the fact when XXXX already walked out to see me. 

FOR THE RECORD : XX/XX/XXXX, I CANCELLED MY ACCOUNTS WITH US BANK ON MY OWN ACCORD. BUT I STILL NEED TO HAVE THEM OPEN UP MY ACCOUNTS WITH ALL MY MONEY IN IT, ( NO FEES, ETC ), FOR ME TO TRANSFER FUNDS FROM THE APP AND THEN PAY MY CREDIT CARD BILL TOO. WHILE I SHOWED THIS TO MS. XXXX, SHE JUST IGNORED ME FOR XXXX MINUTES AT THE TIME AFTER I WOULD ANSWER ALL HER QUESTIONS PROMPTLY, THEN SHE WOULD GIVE ME SILENCE FOR XXXX MINUTES AT A TIME, WHILE MAKING ME JUST STAND THEIR IN SILENCE WITH MY PAINFUL FOOT LESIONS. 

THANK YOU CONSUMER FINANCIAL PROTECTION BUREAU FOR EVEERYTHING. THIS GROUP IS FULL OF LIES AND ABSOLUTELY NO INTEGRITY. PLEASE MAKE SURE THEY RE-OPEN UP ALL MY ACCOUNTS FOR ME TO TRANSFER ON MY BEFORE I WOULD HAVE TO GET SOME LEGAL ADVICE. 

thank you for understanding how I am legitimately livid about all of these unethical people at US Bank with Low integrity. Please have re-open my accounts for me to effectively wire all my money to my new banks of choice and thank you in Advance. 

1 ) Individual Letters of individual apologies from all I emailed, called and ignored me and my original requests. 
2 ) Re-open all of my accounts. 
3 ) Pay for all late charges for credit card bill that is due on XX/XX/XXXX if/when they do not re-open my accounts for an efficient and effective transfer, minus all fees, charges, etc. 
4 ) Call back as promised from Ms. XXXX and Mr. XXXX, XXXX. 
5 ) XXXX to re-open all accounts as she had promised and to send an email confirming she did this. If not then, Ms. XXXX needs to do this. Shes the primary person who started all this mess in the first place ( in addition to all the other messes she has caused in the past ), while the others continued to add insult to injury instead of rectifying everything and providing good customer service ethical practices. No more excuses. 
6 ) Refund directly while ccing me in all emails XXXX XXXX XXXX, XXXX XXXX, their {$320.00}. 
7 ) Pay all the late credit card fees if/when the credit card payment that is due XX/XX/XXXX is not able to be paid since you refuse to re-open up my accounts This is beyond preposterous and 100 % UNACCEPTABLE BEHAVIOR on US Banks part.

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