Checking or savings account -- Managing an account -- Complaint #5023055
Complaint Overview
Complaint ID: 5023055
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Indiana
ZIP Code: 47906
Date Received: 2021-12-18T12:00:00-05:00
Date Sent to Company: 2021-12-18T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
It is the third time I am submitting the complaint since this is the only way I can get some responses related to the issue itself though the problem has never been fixed. Don't ask me to call your stupid customer service. In the past more than one year, it has never worked even tiny little bit. The first time I submitted the complaint in XXXX and the case number is XXXX. And then I am not satisfied about what you have replied, so I filed another complaint in XXXX, case number XXXX. Then another three months passed, it still doesn't work at all. I'am tired to repeat what happened over and over again ... .I know you can find these cases so you can refer what happened and what request I have. Here is the last response from your side. As stated in our enclosed letter dated XX/XX/XXXX, we placed a hold on your account and online user ID due to irregular transaction attempts observed by our bank on XX/XX/XXXX. Our prior response also explained the remaining funds from account ending in XXXX, totaling {$2000.00}, were placed into a general ledger account held within the bank, as the funds will be returned to the originator. We suggested that your friend contact their payroll department, who can work with their financial institution, and request that they send us the appropriate documentation. As a courtesy to you, a request to return funds has been sent to XXXX XXXX XXXX, on XX/XX/XXXX, on yours, and your friends behalf. Once we receive a response back from XXXX XXXX XXXX, we may return the funds to them. Please understand this is a bank to bank process which often can take several months to complete. Being a bank to bank process, the details and status of this process can only be discussed with the originating banks. I think the situation is pretty clear and I don't understand why your side made it such complicated. I provided all evidences to support everything I said is true and you should simply return my money to me. Even if as you said you will return it to originator, why to me it will take like a century long? Tell me where the money is, and does XXXX replied you, if not, how long it will take for them to replied you, three months is several months, and three hundred months are also several months. You say " we may return the funds to them '', which means if they don't reply, you will hold it forever and never give me back? I am your customer, don't treat me like I am a thief. It's already beyond my tolerance. I can wait but I want to emphasize I need the problem completely fixed ASAP.
Frequently Asked Questions
What is Complaint #5023055 about?
Complaint #5023055 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-12-18T12:00:00-05:00.
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.