Checking or savings account -- Managing an account -- Complaint #5191462
Complaint Overview
Complaint ID: 5191462
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Fee problem
State: Colorado
ZIP Code: 80247
Date Received: 2022-02-06T12:00:00-05:00
Date Sent to Company: 2022-02-06T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
This is the continuing response- I should not be charged overdraft fees, US Bank says, due to these being " automatic withdrawals '' they must do so. See Below- Hi again XXXX XXXX I'm sorry we aren't able to refund additional fees unless they're from a bank error. As I mentioned before, to avoid overdraft fees, the balance must be brought positive the same day it falls negative. I found the account was negative from XX/XX/2022 until a direct deposit came in on XX/XX/2022. If you aren't wanting to open a Safe Debit account, I'd recommend setting up one of your other accounts as overdraft protection. In the future, if there were a time where a payment were to come out of your main checking and there was not sufficient funds, if you are wanting to link your other accounts as Overdraft Protection, we can automatically transfer the money to your checking account to cover the balance and make sure no fee is charged. If you are wanting to link your other accounts as overdraft protection pleas follow these steps once signed in. * Select your checking account and choose " Overdraft Options '' from the menu on the left * Select " Overdraft Protection '' * From the drop down, select your checking account and set up your overdraft protection as desired and submit Respectfully, XXXX XXXX U.S. Bank Email Operations Department
Frequently Asked Questions
What is Complaint #5191462 about?
Complaint #5191462 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2022-02-06T12:00:00-05:00.
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.