Consumer complaint received 2023-04-13
Company: U.S. BANCORP
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was selling a bag through my XXXX account when an interested individual contacted me named as XXXX XXXX. We agreed for a certain price and said that the payment will be through XXXX. I said okay and the next day I sent the bag thru XXXX and waited for the payment. As time goes by, XXXX emailed me that they can't sent the money because of XXXX. 

Dear : XXXX We apologise for the late response as we were upgrading our server which has now been sorted out. We have successfully verified and confirmed that you have refunded the buyer and the funds have been approved to be credited into your account immediately. 

But on the verge of crediting the total pending payment of {$3500.00} USD as we notified you earlier which was paid by the buyer XXXX XXXX. We looked through our Data-Base and found a total pending payment of {$3500.00} USD. There has been another new payment of {$1000.00} USD from the same buyer XXXX XXXX making a double payment from the same buyer. 

We are unable to separate the payments as they have been added to our database and all the funds are pending in your account, as such, we can't proceed to credit your account with your initial pending payment of {$2500.00} USD. 

We are aware of the fact that the new payment of {$1000.00} USD was a mistake on the part of the buyer 's Accountant as he over credited your account. We have then looked into ways of resolving the issue so we can then credit your account with the payment. But as it is now, it has already been recorded in our Data-base and there is no way we can separate these funds. Funds are not returnable to the buyer. In this case, you own the total money. 

We have also tabled the transaction before the Board Of Directors and they have advised that the payment ( s ) still remain " ON-HOLD/Pending here while you make the refund of the new payment of {$100.00} USD through XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX Gift card options after which we shall then credit your account with total payments of {$3500.00} USD Note the buyer 's account has now been suspended. 

So you are allowed to send the refund through the XXXX, XXXX, XXXX pay or Gift card option so that we can credit your account with the total pending of {$3500.00} USD. 

NOTE : Funds deducted from the buyer 's account is not returnable to the buyer 's account. So you are in total control of the funds once we credit it. 

We await your swift response which should include the details of the refund. 


Thanks for choosing XXXX and we are looking forward to serve all our valuable customers better. 


Thank you for using XXXX! 
The XXXX Team This emailed really shocked me and sent them {$2000.00} through XXXX  and the phone number is XXXX in the name XXXX. I tried contacting them after I realized that I was scammed but I never got my money back. I reported it to my bank ( USBANK ) but they said that it was my fault on my part. In short, I never got my money back.

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