Consumer complaint received 2023-08-29
Company: U.S. BANCORP
State: OH
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:
Heres a letter to CEO Hello XXXX XXXX, Im sorry, I understand that USBank and USBank realia card are separate, but I have done everything possible. Including filing two CFPB Complaints against realia card and one CFPB complaint against USBank. 

I had originally filed a dispute in XXXX for {$250.00}. You folks issued provisional credits on XXXX. 

Unfortunately I was laid off again in XXXX, it took almost a month to get my unemployment set up. However, when I was awarded the funds from the previous three weeks you folks had taken the {$250.00} back that you had originally awarded me. 

Heres the crazy piece, between XX/XX/XXXX the day the credits were issued until XX/XX/XXXX when I received my latest unemployment claim I was never made aware that your team had decided that I shoukd not have been awarded the {$250.00}. 

I was told you folks had 90 from the time the claim was filed to investigate. I knew it was fraud and so I assumed everything had been worked out. Since I hadnt received any emails, or letters letting me know anything differently. 

Now lets spring forward to XXXX. My unemployment funds are deposited into my account, however, my card doesnt work. When Im finally able to get it working you folks subtract {$250.00} from my balance. 

Apparently on XX/XX/XXXX, someone had made the decision the remove the provisional credits without ever making me aware. Otherwise I would have tackled this back in XXXX. Unfortunately with me never being made aware it made it very difficult to know this was done by USBank. 

I now have a new job, I had enough gas to get to work everyday this week until today. I just dont have the gas until you place the money back in my account. Ive tried everything, Ive requested calls from the dispute team, Ive filed the CFPB complaints but XXXX cant get anyone to help me. 

I finally get a new job, a job that could possibly change my future, but I cant get to work, even though I love it and totally want to be at work. 


I had investigated that original fraud, someone had opened an online casino account at this XXXX XXXX XXXX called XXXXXXXX XXXX XXXX XXXX XXXX screenshot I found online pasted below ). It wasnt me, I also researched and found out online casinos are illegal in the state of Ohio. Therefore I have no idea how you folks ever even approved these fraudulent transactions to take place. 

Ive requested this be escalated on XXXX, however, nothing was done. 

You folks know how upset this has made me, because you had requested two deputy sheriffs to perform a wellness check on me. I told them I understood why I believe people would kill themselves. This has tested me to the max.

I have nothing else to do but file additional CFPB complaints, hopping they will get involved and help me get my {$250.00} back, so I can get to work, without losing my job. 

Please help me. This is life and death for me. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX Sincerely XXXX XXXX Part 2 Hello, So I asked for a copy of the letter that was supposedly sent to me back in XXXX. Which I finally received, heres where things get fraudulent on your side. 


# 1. The amount indicated next to the amount of the dispute is missing.

# 2. Heres the mic drop. The reference number on the letter you supposedly sent to me on XX/XX/XXXX, matched the reference number pertaining to the rebuttal claim #. That number is XXXX. The case id for my original claim is XXXX. 

I attached screenshots below. How could the letter you sent me in XXXX match a reference number that wasnt even created until five months later? 

Its simple, this is a clear example of fraud committed by USBank. A clear attempt to cover up a mistake you folks made, by never advising a client that the provisional credits would be charged back. 

Also I was charged back on XX/XX/XXXX, your fake letter stated I wouldnt be changed back until XX/XX/XXXX. 

I will give you folks one last opportunity to fix this and credit the {$250.00} back to my card before I share this information with the CFPB. 

Again, you can clearly see the original case ID #. 




XXXX 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