Consumer complaint received 2021-08-05
Company: U.S. BANCORP
State: OR
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Can't stop withdrawals from your account

Complaint:
First of all before going forward, the previous options clicked by me were not exactly the correct ones because I didn't see one pertaining exactly to my situation so I clicked closest one possible. My issue is with US Bank Relicard and I have had to file fraud charges multiple times, have been granted money back twice ( Meaning an investigation was done and agreed that it was indeed fraud by granting me my money back ). I have been explaining time and time again that " XXXX  '' is in my devices a hacking XXXX developed software that is thee most intrusive and impossible to get rid of issue ( litterally impossible-unless you throw away device. No buying a new one doesn't fix the issue because if you can afford to have XXXX  and use it ( millions ) then you probably are savy enough to just fallow or stalk the person and aim a device at the target and boom ur back in to their new one. Or i'm sure you don't have to even be that close now days with the infrared. Anyways i file a third time just like I told them I would have to even if i don't use it online, they give me money back then i spend {$350.00} around the XXXX  of XXXX  start of XXXX, now this time for whatever reason they claim is no signs of fraud and assured me that i would be able to request the proof that lead them to that decision. So I did, right when my money was wrongfully taken back out of my bank account and then put into a negative balance of {$350.00} which was also then taken from me upon my next automatic deposit they claimed they would send me proof. So I waited and nothing. Called again asked them to they said they see where I had requested it sorry i didn't receive it confirmed address then said they put a note in to make sure this time and waited, nothing again. This same exact exchange then goes on and on about 7-9 more times and it is now XX/XX/2021 and i am still out XXXX XXXX plus dollars with the last offer of possible resolution being " ok well I can certainly put in a request to have them send the proof of investigation to you that has been promised ''. The same exact statement I was told at the beginning. This lady was extremely rude and condescending lots of push back I was more than appalled and offended twisting my words and making false statements, at one point she claimed that to re open the case I would have to send proof in to show them why to reopen it. I am still waiting for the proof that they were not un-just in going into my account and taking what they had given me back in the first place. I have " re-opened '' this immediately after finding that there was a investigation that went not in my favor well i know for a fact 100 % that I made a correct fraud claim even paying the XXXX $ to send in a packet of transaction history and with everything i have told them in the past with this horrible hacking fraud stuff it seems not one thing was taken serious first of all and second if they have proof where is it? And at what point is the customer allowed to say " ok well it's been X amount of time and chances for them to send proof I think i will just go ahead and take my money now '' thee absolute only thing i have received pertaining to this issue that was sent to me aside from the first initial letter that pretty much was three lines of words stating " sorry our findings were not in your favor, if you want proof call usbankreliacard.com '' was a letter couple weeks ago that was poorly typed up and said " here you go hopefully this explains how we came to our decision '' not a ounce of any other info. What was inside that letter after was only a stack of 42 page back and front transaction history of that time period .... ok. All these months I have explained that hackers hackers and not to even put money on card maybe send paper check incase, and how ip numbers work how it could appear to be me logged on a device using my ip number and someone can get on your network and what do ya know, looks the sam . so I was expecting proof being something that should that side of it how they made confirmation that my claim was faulty, but nope instead i got my transaction history that I sent to them in the first place but with circled and highlighted lines and notes on it showing them. So proof this was not even close of if anything in my favor and somehwere sprinkles throughout these pages is the lines that are in fact fraudulent. Some easier to spot than others seeing as I used XXXX and so did the criminals to mask the charges aligning them right next to my actual real purchases at times very crafty. So at this point thee only " evidence '' we have that we can look up or hold on to and see is that i have filed fraud and been granted that was in fact true by investigators, then i was not, i was promised proof and them being aware of how i was being taken advantage of one could only assume that was taken into consideration being an investigator for a bank of all entities and a bank that was in partnership with us government handling everyones unemployment on top of all that, meaning this isn't a chosen place i had thought up this was assigned. But they made the decision they did being professional investigators and came back and took my money back, put me in a negative with kids, and promised to give me proof showing they are in-fact professionals and did their job thoroughly and ( also assuming once again looking at past track records of mine ) hadn't made a mistake on messing me over or that they are not criminals in going back into a persons private property and taking it. This has not only put me in more than a tight spot, it has messed many things up along the way with it severe XXXX, XXXX, and XXXX XXXX resurfacing from before this that was diagnosed by XXXX XXXX XXXX XXXX for the hacking and other craziness that i was documenting as well that resulted in losing my home, and health etc. this was the cherry on top to bring alot of XXXX  right back i have been extremely polite only raising my voice once being this last time because of the way i was being talked down to like a child, and lady saying " is there anything else i can help u with?! '' Over snd over then i kept trying to say something and she repeats it so i said " yes silence! '' And of course her mental compacity for matureness response is " that doesn't pertain to your case Mr . XXXX! '' I the-requested to speak with other people who wouldn't treat me this way and has nothing to do with the decision of the case at this point id just rather be told " no '' even with some respect and matureness but this proved to be offensive to her and impossible as well. She has no people skills and the attention span of a gnat. This is out of control and ridiculous i also requested that she make a request to obtain the recorded phone call for '' quality customer and assurance purposes '' she then did the talk over me thing again and then tried to claim that she never said the word " silence '' referring to earlier me explaining how i had to raise my voice in saying that just to answer the question she kept repeating, in psychology we call that " deflection '' or deflecting blame, a common narcissistic trait used lots among the immature population or what have you along with her other false claims and or the condescending tones of voice used and sound of disgust or as if i offended her by simply explaining something that was said to be wrong and how it was wrong. I have been calling us bankreliacard just for this issue since XX/XX/2021 to now and not once have i ever been talked to like that And there is plenty of recorded calls to prove just that, and if needed to you can look at all of them and see exactly what level of up most respect and mannerisms i have held despite all of this horror story of a mess, I have said " please thank you " yes ill hold again '' and " thank you for your time and sorry you had to get dragged into this mixup. '' I have been told that they see where i had re opened this case I have had them say there is no note of any interactions, This last time ( this morning XXXX ) She said I needed to send my proof in to reopen it, and I " failed on my end to answer a phone call ''. As if I had done this to myself. The FACT IS that I SPENT {$50.00} AND MY TIME To do all the loops and things asked of me and sent in all that stuff already I was told they received it and get back to me. The FACT IS THEY FAILED TO UPHOLD SAID PROMISES ( MORE THAN 6 TIMES ) OF SHOWING PROOF THAT GOING INTO MY PERSONAL ACCOUNT AND TAKING MONEY BACK PUTTING ME IN A NEGATIVE was justified in, AND MESSING UP MORE THAN FINANCIAL ISSUES I was and am still in now even more so than I would be had I not been on phone over and over, or had the money from beginning. Had I not been stuck stuck at home because severe XXXX  and worry about everything involving that. I am sorry for my poor grammar in this, I am using a tablet to type and in middle of making dinner and doing other tasks. Thank you for your time.

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 monetary relief