Consumer complaint received 2020-02-21
Company: U.S. BANCORP
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I had just got home from work on Friday afternoon XX/XX/2020 when I checked my online checking bank account at U.S. Bank to find that there were three charges that I did not make, two on XX/XX/2020 and one charge made on XX/XX/2020, that had just processed out of my account. As soon as I saw these charges on my account I immediately called U.S. Bank fraud department, immediately cancelled and deactivated the current card in which these unknown transactions took place and instantly was reissued a new debit card and new PIN. I will also state that at no point in time was my debit card or account linked to these purchases lost or stolen at any point. I physically had my debit card with me on both XX/XX/2020 and XX/XX/2020 as well as every day prior. I will attach my Estatement from U.S. Bank with the three charges. One debit purchase charge made on XX/XX/2020 was for XXXX # XXXX XXXX XXXX  XXXX XXXX CA for {$400.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$180.00}. One ATM WITHDRAWAL charge made one XX/XX/2020 was for US BANK XXXX CA for {$200.00}. Attached are the serial Numbers and as well as purchase numbers. I currently have two jobs and have documentation ( two time cards ) stating I was working both jobs from morning until night on XX/XX/2020 and as well as I was working the morning/afternoon on XX/XX/2020. I will also attach two letters from Cardmember Services from U.S. Bank stating an issue of provisional credit as well as the letter stating a denial of said provisional credit. In these letters there are times stated for each of the amounts taken out. The {$400.00} charge was charged at XXXX XXXX on XX/XX/2020. I have cameras at the current apartment I live at. I will be willing to get security footage of being home from work before XXXX XXXX  and not leaving my apartment until the early morning ( around XXXX XXXX  ) on XX/XX/2020. The times stated for the two ATM WITHDRAWALS on XX/XX/2020 are XXXX XXXX   and XXXX XXXX. I have documentation that I am willing to obtain stating that I was working from roughly XXXX XXXX   until XXXX XXXX  on XX/XX/2020. I will also attach the documentation from U.S. Bank with the provisional credit that was credited back into my account the PIN CLAIM APPROVED amount of {$780.00} on XX/XX/2020 and what day and time that transaction went through as well as the documentation of the date and time they took out the provisional credit once my claim was denied. Along with U.S. Bank taking out {$780.00} as a Miscellaneous Adjustment Debit on XX/XX/2020 they had also charged my account two {$36.00} charges on XX/XX/2020 that I would like to dispute. I did not make these three transactions stated above. I have documentation stating this was not me. I have never given out my PIN number, account number, card number, or any personal information regarding to myself or any of my banking accounts. I would like to dispute and file a complaint on U.S. Bank as they are accusing me of fraud that I did not partake in. I have also filed a local police report for fraud taken place in the amount of {$780.00} as well as {$72.00} from U.S. Bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation