Consumer complaint received 2021-09-02
Company: U.S. BANCORP
State: SD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
On XX/XX/2021 ; I filed a despite with US Bank, regarding an unauthorized transaction for {$370.00} via XXXX. I noticed this transaction when I looked at my transaction statement. On XX/XX/2021 I called US Bank 2 times pertaining to the unauthorized transaction. I called at XXXX XXXX  & XXXX XXXX. 

On XX/XX/2021 ; I called US Bank to inquire about my dispute claim. I called at XXXX XXXX  on XX/XX/XXXX. 

On XX/XX/2021 ; I called US Bank at XXXX XXXX  to inquire about my dispute. 

On XX/XX/2021 ; I called US Bank at XXXX XXXX, XXXX XXXX, & XXXX XXXX  to inquire about my dispute of the unauthorized transaction for {$370.00}. 

On XX/XX/2021 ; I called US Bank at XXXX XXXX, again to require about my dispute. Updates were made to dispute on XX/XX/XXXX as well. I also asked why I hadn't received my provisional credit. I was told that if the dispute wasn't resolved in 10 business days from the date that I filed it ; that I would receive provisional credit. 

On XX/XX/2021 at XXXX XXXX  ; I called US Bank again and asked why I haven't received my {$370.00} provisional credit. I was told that the fraud department wasn't finished with their investigation and that I should call back another time. This was after the 10 day period had long passed. I was suspicious of US Bank 's ethics in handling this matter. 

On XX/XX/2021 at XXXX XXXX  ; I called US Bank again to express concerns about my dispute and why I still haven't received provisional credit. I also inquired about my online banking, and was told to call back another time. The customer service representative told me that there was a " lock '' or " hold '' placed on my account which is why I couldn't log-in to my online banking. This was after I had already updated my phone number in an attempt to fix the log-in issue. I even updated my address too. 

On XX/XX/2021 at XXXX XXXX  & XXXX XXXX  ; I called US Bank with the same concerns about why I hadn't received my provisional credit, a MONTH after I filed my dispute. They gave me the same answer as before and told me to call back another time. I also inquired about my online banking and they didn't provide any helpful assistance. They also again claimed there was some sort of " lock '' on my account that would need to resolved by " another department who's unavailable at this time. '' I'm very suspicious about US Banks ethics and motivations in this matter. They have consistently continued their passive-aggressive and evasive tactics. This is after numerous calls to US Bank expressing concerns about the way my account and dispute of the unauthorized {$370.00} are being handled. 

In the past, I have filed complaints against US Bank with the XXXX XXXX XXXX. They respond to my complaints in what appeared to be retaliatory action for the complaints. They closed my dispute as a result, claiming " NCH '' rules without providing any evidence or further information. They appear to be very sensitive to customers calling them out for their tactics. They are very petty and passive -agressive. They should not be allowed to do this. Their behavior is shady, unethical, petty, dishonest, and passive-aggressive. 

If US Bank does not resolve my online banking log-in issue, or provide me with my {$370.00} credit, or if they engage in what appears to be retaliatory action as a result of this complaint, or continue their evasive tactics ; I will file additional complaints against them or sue them in court.

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 non-monetary relief