Consumer complaint received 2024-12-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: U.S. BANCORP
State: MD

Complaint narrative:
To whom it may concern, I am writing to seek help for unreasonable actions of U.S. Bank on my accounts.

I had a previous complaint of they closed my credit card accounts without notice and justified reasons, and now I am even more astonished to see how they are running with miscommunication and inefficiency at all between checking and credit card departments. 

As mentioned in complaint XXXX, they closed my credit card accounts due to a few payment reversal in XXXX and they think there are risks on my account. So now I have done what I promised in the last complaint that I linked my US bank checking account to my salary, so that I can make payment directly from US bank checking account, I assume payments within the same bank should be no problem. 

From my US bank checking account XXXX, I initiated a payment of {$490.00}, the remaining balance ) to my credit card XXXX on XX/XX/XXXX, and I saw the payment was made on XX/XX/XXXX, reflecting in my credit card account. 

But on XX/XX/XXXX, the payment was reversal again! And they charged me {$30.00} returned payment fee. 

I was astonished to see that, as this is a payment within the same bank!!!! 

I called US bank credit card department, they told me they saw the reason for the payment reversal is stopped payment but they could not see why. They transferred me to checking account department, and they told me they could not see any payment information in their system!!!! What a miscommunication in the same bank.

They communicated for a while and still could not figure out why the payment was unsuccessful, with sufficient funds in it, and just can not solve it, with 1-hour call. And then the call got silent and cut, noboday called me to follow-up anymore.

Now I realize, the reason US bank used to close my bank reversal payment and risk is entirely NOT because of me. Although I have done what I can do to make payments on time : with long-standing checking account with biggest banks in the nation, or switching to US bank checking account, the same bank, it will not work. The issue should be within the US bank.

As a honest person, I use my credit cards, and make online payments 100 % on time, with all my efforts, I can not do anything else to help with why payment to their bank always reversal. It is out of my control.

With this nightmare experience, I realized I could do anything more to help, the reason is the US bank miscommunication between departments and misbehavior. Payments to all my other credit cards with other banks, there were never a problem, only these with US bank.

So, I think those payment reversal are entirely the US banks responsibility, and this reason leads to they close of all my credit card accounts with them. So, they have to recover all my credit card accounts, and all the cashbacks and rewards I have earned in my accounts, as requested in complaint XXXX. 

Below, I attached last complaint for reference.

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