Consumer complaint received 2022-11-10
Company: U.S. BANCORP
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other service problem

Complaint:
Re : debit card XXXX and my bank XXXX. 

Hello I have been with US bank all my life and was happy with them, u fortunately until recently facing a very bad experiences with their fraudulent department. 

In XXXX I was lured by the scammer to do XXXX XXXX, set up the XXXX apps to trade currency. 
After withdrawing over XXXX from my debit card which link to my bank I found out that the XXXX apps was fake, XXXX XXXX. I talked to US bank staff and got transferred to different staff in fraudulent department. The 3rd persona i spoke with by ther name of XXXX informed me that the provisional money got refunded back to my bank account.i need to delete the Whatever relating to this scammer and thst i need to go into the bank to close my account and open a new one. 
I followed her direction and have went into the bank to close my account in XXXX and opened a new one. 
I was thinking during this time that my bank have caught the scammer ( base on the us bank declined a {$40.00} wiring transfer due to red flag and suspicious of scam ) and they refunded the money to my bank. 
I later received a couple letters state my case is still under investigation in results of some kind of Protection?? 
I called the fraudulent depertment on several occasions to get an explanation and was told someone will call me back. 
They also told me that they have sent me a letter requesting me to provide information. 
After a week I haven't received the letter i called again and informed that they'll relay the message to the department to resend again. 
I also asked them to have someone call me back to give an explanation. 
After a month I received a message on my recorder from the guy by the name XXXX who said that all the evident they received, my driver license and personal information pointed to me that i was the one that withdrew the money. 
I tried to call back on several occasions but keep getting the message from staff that will relay the message to have someone call me back. 
I finally got a hold of the Investigator by the name of XXXX, instead of asking me how can he helps me or give me a chance to explain my case he went directly to say that it all pointed to me that i withdrew the money, my driver license and my personal information. 
After explaining my case coldly he didn't gave me an apologize for the errors that he did but in return and said there isn't anything he can do for me and this is the 3rd party. 
I asked him whats my rights as a customer since this is their errors which wasted my time, and asked to whom should i talk to discuss my case. 
The answer i received from him was there isn't anything they can do for me anyway toward the end it was me that withdrew the money I went into the local US branch Manager and talked to the guy by the name XXXX XXXX and gave him the information. 
He informed me that the debit card department is a separate department from him and he asked me to find the money to put back in my bank to prevent me from collections and extra fees. 
I was left in the dark and have no one to turn to. 
I am currently using my credit card to hire a private company by the name of XXXX XXXX to work on this case through XXXX and the scammer bank. 
I even filed a report through the scammer bank fraudulent department but got a reply that wa they cant work with third party and that i have to ask my bank for help. 
The bank can't help me, the fraudulent department didn't want to accept their errors. 
I am filing a complain against the US bank Debit cardmember Fraudulent department and their staff of incompetent staff, and negligent to their customer. I am seeking them and hold them accountable for the misinformation and delaying me from recovery my debt through XXXX  and scammer. 
I called several times and left with hanging for a month waiting for an explanation, and the final results that was left on my recorder was unbelievable. Its all pointed to me that it was me withdrew the money, my driver license and personal information. 
My bank is now in a negative balance in amount of over $ XXXX. 
The bank have called me several time attempted to collect this debt. 
I have been banking with US bank all my life and was very happy with them, unfortunately until dealing with this fraudulent department staff. 
Due to their errors and on top of being scammed causing me tremendous emotional distress and lack of sleep. 



I can provide all evident later. 

Thanks for listening. 
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