Consumer complaint received 2024-10-28
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: HEARTLAND FINANCIAL USA, INC. (TX)

To whom it may concern, My name is XXXX XXXX and Im filing a complaint with XXXXXXXX XXXX XXXX XXXX in XXXX, TX. Ive tried everything to get this handled and nothing. 

On XX/XX/year> I was paid through XXXX XXXX through the XXXX XXXX XXXX XXXX XXXX XXXX ) for work I had done from XXXX XXXX ( which Im guessing is a fake name and I only have fake info ) in the amount of {$2500.00}. On XX/XX/year> the guy decided to claim fraud and take the funds back. XXXXXXXX XXXX XXXX XXXXXXXX didnt contact me for such a large amount, I only received XXXX emails saying my XXXX account had been blocked with no explanation. I called the number that the bank gave me and tried to get it handled, they werent helpful. I called and emailed the bank and XXXX for XXXX weeks. XXXX weeks in I talked to a branch manager named XXXX who told me that sometimes youre just XXXX and when I would try to call her she would ignore my calls and never return them, which she is now denying saying to me. XXXX weeks in on XX/XX/year> I was sent a letter from the bank telling me they would be closing my account on XXXX  the XXXX, I got that letter after hours on XXXX. I went there on XXXX XXXX and was very nice and talked to a woman named XXXX, she said she would help me. I left there and got a phone call like XXXX hours later from the branch XXXX telling me they would still be closing my account and XXXX be honest, I cussed her out because of XXXX weeks of frustration being built up. The bank treated me like a criminal and that I planned all of this. I asked the bank president why he treated customers like that ( Id had that bank account for 17 years and it went down hill with XXXXXXXX XXXX XXXX XXXXXXXX bought out the bank ) and he said he refused to answer because he didnt know the details. I told him I fought for myself for XXXX weeks and no one would help me and he told me I could take my money and leave, to which Ill be honest I did tell him off and I left. XXXX weeks ago today, I got a letter from the president for an FDIC complaint saying that the bank found no wrong doing in their part and that the branch manager didnt tell me that sometimes youre just XXXX and also threatened legal action if I ever try to contact the bank by email or phone or show up to a branch. I had money stolen from me and the bank never did XXXX thing to help and instead threatened legal action against a long term customer. 

Apparently FDIC cant do anything. They just contacted me to let me know that its a customer service issue and not fraud. 

To me, if I looked and saw that this customer had good standing for 17 years and never had any issues and all of a sudden this happened, I would try to do whatever I could to help. I also posted on the XXXX app and will gladly share the link or screenshots if youd like. I heard from many other people in town that had issues with the bank and had money taken from them, not even from people using apps like XXXX, but from the bank itself. The bank doesnt care about their customers at all. I guarantee you that Im not the only frustrated customer and probably not the only one that the president sent a letter threatening legal action against. I know that XXXX ( branch XXXX ) is being investigated for something, I heard that from an employee at the bank, who also told me that the employees dont event bank there. 

Im sorry for the long email, this has just been so frustrating and it feels like no one cares and no one is actually trying to or wanting to help. Yes I was scammed, thats the main issue and Id like that handled, but I dont think the bank went about the right way in investigating this. 

Thank you, XXXX XXXX