Consumer complaint received 2022-02-07
Company: U.S. BANCORP
State: MN
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I opened an checking account with us bank in XXXX Minnesota, my account number is XXXX XXXX XXXX XXXX my name is XXXX XXXX. On XX/XX/XXXX I deposited money in the amount of {$750.00} Sometime that night my debit card went missing. I thought I just misplaced it. I was wrong. Later I checked my online account found out there has been alot of transitions going through my account. From XX/XX/XXXX after my deposit to XX/XX/XXXX. Are ALL UNAUTHORIZED CHARGES. Except for 2 from XXXX. 
I told us Bank what is happening and told them the dates that were not from me. They told me they could help and get my money back. So I believed them. 
Next I made a police report and the officer found a surveillance tape with a guy using my card .It turns out that that guy '' believe it or not '' is my brother. I was shocked.. I thought that a woman stole my card and I was wrong he took about {$530.00} out of my account the police officer helped me figure that out The cop went through my bank account with me and showed me at the bottom of the statement shows the last three or four digits of the card that was used, so we figured out exactly which ones were fraudulent and which ones were not then I realized that two of them we're actually from me, it was 2 XXXX transactions both of them were XXXX purchases same day the XX/XX/XXXX and my card is already registered on XXXX and saved so XXXX didn't need my card physically to have that purchase go through. it just went through and the XXXX and the XXXX of XXXX those two I found out later that was from me. those were the only ones that I got wrong. so I called the bank and straightened it out with them, they told me it didn't add up they said they saw me on camera which doesn't make sense because I didn't use my card. My card was stolen the only card that I got is my new one. I canceled that old stolen debit card and I received a new card. I used that new card and I'm thinking that they saw me use that new card and thought that it was me the whole time. But that's NOT TRUE AT ALL. I don't know why they say it doesn't add up? or why they don't believe me? I wouldn't lie about something like this. It was very devastating to me to have my own brother steal my money like that. I am a single mother on XXXX and I'm a Christian and I try to do the right thing. and all I do is help him out and he screwed me over so did the bank.They charged me {$750.00} and put me {$400.00} negative in my account. They want me to pay. Why would I have to pay any money for getting robbed and taken advantage of. I just got robbed and they're asking me for more money than what was stolen. I don't have money like that... that was all the money that I have... I am low income and I feel like the bank just screwed me over, they had many many months from XXXX to XXXX to fix my account and look at all the transactions but I think they didn't look at them cause if they did they would see. I'm being honest. They would of seen someone else use my card on surveillance ... why? if the cops can find it on one try, how come the bank can't? they act like I'm lying about it, I'm Not! Said it doesn't add up? I don't understand why they are doing this to me? they're not doing their job properly... I went to them for help because I just got robbed and they just blew me away. I found out that they just close my case/ account and sent it to collections .I 've been working on my credit for some time now and this is going to hurt my credit. for something that I didn't even do .I have never been negative or overdrawn in my account since I had that account open. Us bank made me overdraft and they charged me a whole bunch of money. that I don't have, why should I have to pay money when I am the victim and I got robbed. they're not taking my story seriously and they're not doing their job or anything to help or fix it. I gave them the police name and number and I told them to get the surveillance from him. Talk to him. and I don't know what to do. they closed my case multiple times, I had them open it multiple times. I been waiting forever for it to get resolved. And nothing. They won't fix my account or give me my money back and then they go and close it. I got screwed over by getting robbed once and then by the bank too.they just completely screwed me over. I did NOTHING WRONG.. I am the victim... I didn't do anything wrong but Reach out to them to help me. I thought they would help me and fix it. not accuse me of lying or telling me my story don't add up.. I'm telling the honest to God truth and I feel helpless and hopeless and I don't know what to do. I don't like to be accused of something that I didn't do I got robbed and they're robbing me again. I don't know who to turn to. I want something done about it. I want my money back and I want those charges gone. because I didn't do anything to have those charges put on me. I was robbed and taken advantage of and that's the same thing that US Bank is doing to me. I've called them crying on the phone begging them to help me to fix my account and it's just they won't do it. I don't understand, I'm never had this problem ever in my life .Can you please help me in any way? point me to the right direction? what should I do? should I call the cops on them? because what they're doing is wrong!!

I don't really know what to call it but they're screwing me over ... anyways I hope that you can get back to me and help me and give me some lights and I want my money back I want those charges gone, I didn't do anything to deserve to have {$750.00} charged against me plus {$400.00} negative in my account which I did not do... I got robbed twice... PLEASE PLEASE HELP ME I DONT DESERVE THIS .IM THE VICTIM HERE.DONT KNOW WHO TO TURN TO FOR HELP.MY CREDIT IS IMPORTANT TO ME.I PRAY IT GETS RESOLVED IN JESUS NAME . THANK YOU FOR YOU TIME. 
Reply Back Please ~ XXXX XXXX XXXX XXXX XXXX

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