Product: Money transfer, virtual currency, or money service

On XX/XX/XXXX I created an account on XXXX. I had a scheduled XXXX XXXX and had to have a ride to and from the procedure at XXXX XXXX XXXX XXXX XXXX in XXXX, TN. I sent out messages to several caretakers on XXXX that were in my area. I had one response but they where not available on the date I needed and XXXX XXXX ( XXXX XXXX XXXX ) reached out and agreed to transport me to and from the XXXX  for the procedure for XXXX. I tipped him {$100.00} to secure a reliable service person I could call on since I only have estranged family and no friends in the town I returned to to take care of my parents to the end of their lives. I was scheduled to have other XXXX XXXX  in XX/XX/XXXX and other XXXX XXXX in XXXX where I could not drive to and from due to XXXX  XXXX  and XXXX  XXXX. My communication with XXXX XXXX began on XXXX and then was taken to text messaging via our cell phones ( I have copies of all online and text message conversations from XXXX and XXXX ). In XXXX XXXX XXXX did transport me to and from the procedure in XXXX, TN, waited, and brought me home after the procedure. He was paid XXXX XXXX transactions via XXXX from my U.S. Bank online portal to his phone number XXXX as his identifier and he was registered as a XXXX user ( I have copies of all transactions ). Earlier in XXXX a U.S. Bank customer service representative told me transferring money via XXXX was safer than XXXX. On Sunday, XX/XX/XXXX, I contacted XXXX XXXX again via text messaging. I had begun XXXX XXXX at XXXX XXXX XXXX XXXX in XXXX. I had secured rides to and from treatments using XXXX  ( XXXX XXXX XXXX XXXX XXXX ) except for the appointment on the following day Monday, XX/XX/XXXX. XXXX XXXX quoted me a price of {$150.00} to drive to XXXX XXXX XXXX XXXX and take me back home in 2 hours. The fee was a little excessive but I had no other choice. On that Sunday, XX/XX/XXXX, I sent him a XXXX deposit, on Monday, XX/XX/XXXX, I sent him the remaining XXXX before or around XXXX XXXX. He confirmed he had sent both sums of money and XXXX confirmed that via emails ( I have those emails ). He then confirmed the time he would pick me up. At XXXX XXXX  he text messaged me and told me he was 30 minutes away. At XXXX XXXX, I texted him but there was no answer from that point on. I immediately contacted U.S. Bank to reverse the 2 transactions for a service not received. They told me I could file the claim but they would not refund my money. They denied both claims 4 times over the past 2 months. 2 of those claims were filed at the XXXX, TN U.S. Bank branch by XXXX XXXX, branch manager. 

On XX/XX/XXXX I filed a police report with the XXXX XXXX XXXX XXXX XXXX... ( case number : XXXX ) ... Deputy XXXX XXXX He called XXXX XXXX XXXX number and spoke to him. Part of that conversation was shared with me on XXXX XXXX 's speakerphone setting. XXXX admitted to giving me service in XXXX but stated he had not had contact with me since and he did not receive any funds from me. He stated he now lived in Arizona and did not go by that name anymore because of " adoption issues ''. 

XXXX will not talk to me or allow me to file a claim because they say I didn't use their app and that " U.S. Bank owns their version of XXXX '' ... U.S. Bank disputes that statement. It was a purchase of a service that was not provided. It states that on XXXX 's transactions, the money was for transportation services. 

XXXX XXXX XXXX XXXX profile indicates he is verified by XXXX, XXXX shows XXXX as a registered XXXX user XXXX U.S. Bank misrepresented XXXX as a safe way to transfer money, XXXX XXXX XXXX profile may be fraudulent and is still active.