U.S. Bancorp Bank Account Or Service Complaint

U.S. Bancorp Bank account or service department,

Checking account Deposits and withdrawals Arkansas

I went online on - - to pay my mortgage with US Bank and discovered that there was a $78.00 insufficient funds notation in - of my - accounts. This was alarming because I never pay debts out of this account - it is only used to deposit money from sales made on -. It is also used as a backup account if my main account is low on funds, but I do not keep money in this account unless items have been sold. When I contacted the bank for an explanation, I was told that it was a deduction made by -. I do quite a lot of business through -, but only through my main account. They referred me to - for an explanation. When I called -, they told me that their records showed absolutely no transaction through this account. I called US Bank back and told them what - had said. Then I was told that I could file a complaint and that I would be sent a form to fill out and the bank would investigate. I waited for more than a week and no form came. Upon calling the bank yet again, I was


I had never received a complaint form to complete, and this was not an appropriate " investigation '' without consulting me regarding - claim ; the " investigator '' had apparently accepted the word of - without any proof that the charge was legitimate. The letter also said that I could request a copy of the documentation used to make this determination, but was told that there was none available. Of course, I was furious and incredulous at the same time! I was then informed that if she tried to escalate the complaint, it would merely be kicked back noting that the file had been closed and the charge was legitimate. She suggested that I go to my local branch and have them escalate the complaint for me. From my initial conversation with my local branch, I was referred to the national number for the bank for resolution, leading me to believe that they could not or would not help me. The individual that I spoke with at the national number had told me that she could see that this type of fee had been charged to several of their customers apparently erroneously, as there had been no purchase of goods or services involved, but nothing had been done about it, and the notation as to its origin was unexplained. This appears to be fraudulent in nature if - is indeed charging customers fees that are not genuine or owed, without even informing the charged customer. In addition, the bank is not processing complaints about these instances and is instead taking - word that the charges. are owed. I think both parties are at best negligent in their behavior and at worst, committing fraud on the part of -, and collusion on the part of the bank. I want a full and complete explanation for this charge to my account ; it was not authorized. If it is indeed erroneous, I want the bank to reverse the charges and make my account whole again.