Checking or savings account -- Problem caused by your funds being low -- Complaint #9110365
Complaint Overview
Complaint ID: 9110365
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem caused by your funds being low
Sub-Issue: Overdrafts and overdraft fees
State: Texas
ZIP Code: 75039
Date Received: 2024-05-27T12:00:00-05:00
Date Sent to Company: 2024-05-27T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I am writing regarding the above-referenced account, which was closed on XX/XX/year>, and currently has a charge-off amount of {$68.00}. I acknowledge the outstanding debt and am willing to settle the account in full. In exchange for my payment of {$68.00}, I respectfully request that U.S. Bank Corporation remove any related negative reporting from XXXX, XXXX. This account has been reported to XXXX as account abuse, even though the charge-off resulted from the accrual of junk fees. This negative report has prevented me from opening an account with a preferred financial institution, and its removal is essential for me to manage my banking needs effectively. This settlement is proposed as a gesture of goodwill to resolve the matter amicably and ensure that my financial records are clear of any negative entries. I believe this would be mutually beneficial, allowing me to fulfill my obligation while improving my banking record. Please confirm in writing that U.S. Bank Corporation agrees to this arrangement. Upon receiving your written confirmation, I will promptly remit the full payment of {$68.00}. Thank you for your attention to this matter. I look forward to your favorable response.
Frequently Asked Questions
What is Complaint #9110365 about?
Complaint #9110365 was filed against U.S. Bancorp regarding Checking or savings account specifically about Problem caused by your funds being low. It was received by the CFPB on 2024-05-27T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". 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.