Consumer complaint received 2025-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
US Bank has validated that there were erroneously charges to my account via a letter post closing my account for fraud that US Bank and possibly others committed on my smartchecking account. They sent me a letter in late XXXX of XXXX  and closed my checking account in late XXXX or early XX/XX/year>, the amount they validated was in error via the letter was around {$210.00}. I stopped by the branch and they stated it could take a couple of months to go through the process of a complete and thorough review. I complained to the Federal Reserve that I was charged {$3.00} repeatedly at a few ATMs to check my US Bank checking balance and when I received the statement from US Bank it stated " Foreign ATM Surcharge. '' It should have stated, had the charges been authorized by me, as " Non-US Bank Balance Inquiry Fee. '' I have been in the United States of America the entire time I have had my US Bank account. The ATM also did not state there was a charge to check my balance and also did not ask my permission to charge me for a balance check. In my previous complaint, I stated that US Bank stole my money in the amount of around {$1700.00}, which I'm a little unsure of the exact amount missing without a receipt for all of my transactions. US Bank offered me provisional credit in certain circumstances and then later retracted the provisional credit amount. The final balance at my US Bank account was {$26.00} which US Bank employees at the the XXXX XXXX and XXXX in XXXX made me walk XXXX to XXXX blocks to the downtown US Bank branch to get my remaining cash balance. They gave me {$26.00} cash and the XXXX cents disappeared from my account. In my previous complaint, I stated that US Bank backdated the current and available balances and listed some amounts via the phone call I had with a US Bank representative that were not available on my statement or online. They have XXXX sets of books. I also saw they were plugging numbers when they offered to let me use the branch manager 's office at the XXXX XXXX and XXXX branch. The post it note next to the phone had a balance going down, a XXXX with a dash through it, and some negative numbers. 

How can your complaint be satisfactorily addressed? 
I would like a full investigation into my checking account and you, the Federal Reserve which oversees all FDIC insured banks, to enforce that US Bank followed the terms I signed up when I opened up my checking account and accurately accounted for all transactions I authorized. I would like you to force US to sent me a bank cashier 's check to my address XXXX XXXX XXXX XXXX TN XXXX via overnight mail as soon as possible for the amount I did not authorize. I constantly get the run around from US Bank. Why does it take some many complaints to get a bank to comply with the Fed 's rules and regulations ( FDIC and possibly others )? I also went to the XXXX XXXXXXXX XXXX XXXX of directors and they stated to complain and was told to complain via this tool, which I had already done. Then I used the online email form to complain to the Fed Reserve Board of Directors and they told me to file a complaint online using this tool, which I had already done. Will the US Federal Reserve help me get my money back from US Bank? 
Sincerely, XXXX XXXX

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