Checking or savings account -- Managing an account -- Complaint #4674189
Complaint Overview
Complaint ID: 4674189
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
State: Washington
ZIP Code: 98665
Date Received: 2021-08-29T12:00:00-05:00
Date Sent to Company: 2021-08-29T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/2021 I contacted my bank to notify them that my paycheck would be late I requested that they put a hold on my account so that no further debits or transactions could be made so therefore it will overdraft I had already opted out of overdraft protection and was told that it was still opted out I was told that the hold would be placed over the course of the next couple weeks I randomly checked my account and noticed that there was still charges being made including two fraudulent charges that caused me to have to close my debit card at this time they still allowed two more charges to go through on my debit card after it was closed and they still did not put the hold On by the time it was all said and done they had added almost XXXX XXXX and something dollars worth of overdraft fees to my account when my paycheck finally hit my account they deducted the {$700.00} and then placed a hold on my account I kept in contact calling the bank over the next few weeks as I had been doing since the initial contact and still to this day and nothing has been done they reimbursed close to {$200.00} I believe but that was for the fraudulent charges since then the bank has continued to mess up my deposits in transactions causing multiple overdrafts and whenever I call in to speak with someone they can never figure out what's going on and that usually just hang up and I have to call back I work full-time so going to the bank and sitting down with the banker is not easy option at this time they have taken nearly {$1500.00} worth of fees from my account that I believe are not accurate I take responsibility for whatever fees are legitimate but I know that I should not have paid {$1500.00} in fees to the bank and they still refuse to do anything about it
Frequently Asked Questions
What is Complaint #4674189 about?
Complaint #4674189 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-08-29T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.