Consumer complaint received 2020-12-04
Company: U.S. BANCORP
State: NE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
I JUST WANTED TO SUMBIT ANOTHER COMPLAIN TO ADD XXXX DOCUMENT THEY EMAILED ME LATER ON AFTER THE INCIDENT. 

On XX/XX/XXXX Wednesday, an unauthorized payment for {$22.00} was posted to my account from an unknown bill collector described as XXXX Mktp Us XXXX, linked to a fake XXXX page. After conducting some online banking on my account with USBank today, I noticed the transaction. Afterwards, I immediately called a local bank branch located in XXXX XXXX, MN and spoke with a bank teller named XXXX, on the first call, and he told me to call XXXX to verify the transaction before he cancel my debit card, so I did. On the second attempt, I called the XXXX number fraud department to report the incident as well and they said that they will cancel my debit card, and mail me out another one within ten days, and send me a letter to sign to verify the fraudulent transaction on the account. The fraud department then mentioned to me that I should get in touch with a branch in here in XXXX, XXXX in order to receive a temporary debit card, and that he will check to see if any drive thru branches are open in my area, because every branch in XXXX, XXXX is closed to the public both temporary and permanently. ATMS are even being removed from many local USBank local retailer branches throughout XXXX, XXXX, and there is almost no way for me to get to my money and my account in order to resolve issues like this, because XXXX, XXXX is making that impossible as much as possible, and the XXXX number isn't very happy about it. I then told the fraud department told that I had no car to drive up to the window, and I am looking to be rejected services at a drive up window, so they said that they will cancel my debit card and send me another one. So once the call was discontinued with the fraud department, I then called the number back to verify if my debit card was canceled and it wasn't. My pin number to my debit card was changed without my authorization or consent as well, and when I mentioned it to the bank, I didn't get an accurate response. I even called XXXX about the transaction just to find out that they could not even trace the transaction and that the transaction number did not even match their transaction numbers. In conclusion, I've had other problems with USBank giving me ripped up XXXX dollar bills from its ATM machine in isolated ATM areas at back in XXXX of this year, and they had then denied it and refused to replace my XXXX dollar with a accurate one, because I could not use the XXXX dollar bill. The machine gives out all twenties in big deposits, I knew then something was about to be ripped off, after the machine gave me XXXX XXXX dollar bills from its ATM. I was able to get use the bill, but it took a very long time to do so, and lots of floating around. I've been a customer with USBank since XXXX, for eight years, and this the thanks I get. I was even denied a credit card after being a loyal customer for over a half a decade on several occasions, even after establishing credit through them. The value of USBank is going down, and I am reaching out for assistance with the bank. I am starting to have really big problems out of USBank with racial profiling, and I am reaching out for help. I want be with the bank too much longer. It can get pretty complicated moving my deposits around from bank to bank.

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