Consumer complaint received 2023-08-04
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (CA)

Subject : Urgent Resolution Needed for Unresolved Account Closure and Missing Funds To Whom It May Concern, I am writing to express my deep concern and frustration regarding the closure of my US Bank account on XX/XX/2022. At the time of closure, my savings account held a balance of {$23000.00}. I must bring to your attention that the account closure was a result of fraudulent deposits that were unfortunately directed into my account without my knowledge or consent. I became a victim of a scam, wherein I believed I had secured legitimate employment that ultimately proved to be a fraudulent scheme. 

The fraudulent activity involved the receipt of wire transfers totaling {$3600.00} and {$4700.00} on XX/XX/XXXX. Subsequently, I was instructed to withdraw these funds in cash, convert them into XXXX through an ATM, and then transfer a portion of the converted amount to a XXXX wallet. The remaining funds were designated as my commission. I have only received in return a check in the value of approximately {$2000.00} from US Bank for my checkings account, in which the fraudulent deposits were wired. But I did not receive anything from my savings account in which the fraudulent deposits were not wired into. So it makes no sense to me that my savings be withheld. 

Regrettably, despite these deposits, my account 's legitimate savings balance of {$13.00}, XXXX was not returned to me. This was my ending balance on XX/XX/2022 when the account was closed. Note : the fraudulent wires were never sent to my savings account they were sent to my checkings, and I already received a check of approximately {$2000.00} for my balance for my checkings account but never received anything from my savings. 

I have made diligent efforts to address this issue, approaching the bank on multiple occasions to seek a resolution. Regrettably, my attempts have been met with resistance, particularly from the regional manager named XXXX, who oversees the fraud department. Despite my presentation of concrete evidence and a detailed record of all transactions, the regional manager has declined to engage with the matter, dismissing my requests for a thorough review. 

Furthermore, when I inquired about escalation to a higher authority, XXXX declined to facilitate the connection and stated that the relevant personnel were unavailable due to the holiday season. Subsequent attempts to contact XXXX and the bank have gone unanswered, leaving me in an incredibly distressing situation. 

As a result of these circumstances, I find myself grappling with severe financial hardships. The unavailability of my rightful funds has led to an inability to meet essential expenses and obligations, detrimentally impacting both my work and livelihood. The discrepancy between the deposits I received and the legitimate balance of my account before the incident remains unresolved. 

I wish to emphasize that I possess substantial evidence that substantiates the authenticity of my complaint. I am prepared to provide all necessary documentation to support my case and I implore your prompt intervention to rectify this matter. My request is simple : I seek the return of the funds that were present in my account prior to the incident involving the fraudulent deposits. 

I can be reached at XXXX or via email at XXXX. Your timely response and decisive action are greatly anticipated. 

Respectfully, XXXX " XXXX '' XXXX