Consumer complaint received 2024-01-28
Company: U.S. BANCORP
State: MO
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
In XXXXXXXX XXXX I was contacted by a company named XXXX to XXXX my membership for XXXX Services XXXX I did not want to renew. Then I am told I had a {$120.00} credit which I disputed. After much discussion I agreed to accept the credit and was told to go to my computer to enter refund to my bank account. At this point they had complete control of my computer. Rather than enter {$120.00} they entered {$12000.00}. I told them I needed an account #  to return these monies via electronic transfer. I was told they do not have this capability which I questioned. After XXXX XXXX of constant phone calls I agreed to return the money via their method. Directed to go to XXXX 's to locate a bit coin machine which I am not familiar with ( XXXX XXXX I visited ). Found a machine at a service station across from my US Bank, Made XXXX transactions in amounts of {$4800.00} & {$4900.00} with my debit card ending in XXXX. 

Fast XXXX : Later US Bank denied my claim in a XXXX sentence memo because I had given them my account number. They already had access to my accounts on line. They did not ask for an explanation from me. Whereas I immediately went to my US Bank and closed both my accounts and opened new ones. In fact I was told to let this run through before doing anything further. In the meantime the bank employee when setting up new accounts verified that they did not enter {$12000.00} into my account. In fact they merely transferred the {$12000.00} from another account I had. They did this without my giving them any account numbers.. I assumed that was the conclusion and I had been had. 

Then I received notice that my payment of {$170.00} was due on a US Bank Visa Credit Card ending in XXXX. I was not aware I even had this card as it was never used before this transaction. 
My next mistake was paying the entire amount on this card from my XXXX account. Why? Because I did not want to incur additional interest on an account I did not know how long it would take to pay this account off. Nor I did not want to affect my XXXX XXXX which it took years to build up Very Good XXXX XXXX. 

Although my account statement shows these XXXX transactions of {$4800.00} & {$4900.00} show as being charged to my bank account but this is not what happened.. The account was closed and no monies available so someone transferred these amounts to a credit card I did not know I even had without my approval. I use only XXXX credit card and this was not the card I had been using at that time. After this year of going from the Credit Card Acct to the Bank for answers nothing has been accomplished other than each saying the other is responsible. Always someone will get back to me and nothing I would think that a charge that came through with this amount needed to be approved. And I was not notified of this transaction and would not have approved this. I get calls from the bank XXXX credit card company for amounts that are so much less and I either approve or deny the questioned amounts. Why did I not receive a call questioning this transaction? 

I have been with US Bank when they were XXXX XXXX, XXXX XXXX now US Bank with no major issues. The memo also said in review of my transaction in my accounts. I never withdraw large amounts other than XXXX XXXX, XXXX XXXX XXXX XXXX transactions that are legally due. 

XXXX : I have any document that would be necessary to file with this claim BUT I do not know how to accomplish this. 

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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