Consumer complaint received 2025-02-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Late or other fees
Company: U.S. BANCORP
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XX/XX/year> US Bank Card Services Dispute Department XXXX XXXX XXXX XXXX, Florida XXXX RE : Dispute of Unauthorized Transactions and System Errors- Customer ID XXXX Dear Sir/Madam, I am writing to formally dispute unauthorized transactions that occurred on my account between XXXX related to XXXX unemployment pandemic disbursements and compensation. This letter serves as official notice under Regulation E, the UCC, and applicable consumer protection laws. 

After reviewing my statements, I have identified numerous inconsistencies that indicate systemic fraud and/or software programming errors within your banking system : XXXX. All suspicious transactions are " keyed card use '' entries where I was not physically present and did not swipe my card XXXX. Reference sections on statements contain mathematically impossible timelines and extended holds ( up to XXXX  days ) for pre-authorizations XXXX. Transaction entries fail to identify actual products/services purchased XXXX. Posting timestamps show impossible timelines, with services like XXXX posting without reasonable timeframes XXXX. Transaction amounts do not match, with dates skipped and chronological timelines missing XXXX. Inconsistent font sizes and styles make statements appear doctored XXXX. Ending balance amounts show overdrafts on a prepaid card that can not be overextended- this is mathematically impossible as the card should decline charges when funds are depleted XXXX. While some merchant transactions are correctly posted and mathematically sound, others are not, suggesting selective processing errors These irregularities strongly suggest either : a ) A serious defect in your banking software b ) Deliberate manipulation of my account c ) Failure to maintain basic accounting standards and practices Under Regulation E ( Electronic Fund Transfer Act ), Articles XXXX and XXXX of the Uniform Commercial Code ( UCC ), the Consumer Financial Protection Act, and FDIC regulations, financial institutions must : - Maintain accurate records - Investigate unauthorized transactions - Provide provisional credit during investigations - Implement reasonable security measures- Process disputes in good faith - Maintain proper insurance for customer deposits I was unable to detect these fraudulent charges earlier because : XXXX. I did not have access to my account during this period XXXX. I was unable to access account statements XXXX. My online banking access remained locked XXXX. Customer service has been unresponsive and used bullying tactics to avoid addressing my concerns Your institution has failed on all counts by : XXXX. Refusing to acknowledge obvious accounting errors XXXX. Creating barriers to reporting unauthorized use XXXX. Denying provisional credits XXXX. Failing to protect my account with reasonable systems XXXX. Willfully holding my funds through excessive holds and errors without a proper refund process I HEREBY DEMAND that you : XXXX. Immediately investigate all unauthorized transactions from XXXX XXXX. Provide provisional credit while the investigation is pending XXXX. Restore online access to my account XXXX. Provide copies of all relevant statements and transaction records with full audit trails XXXX. Process this dispute through electronic means due to hardship XXXX. Identify and correct the software programming issues in your system XXXX. Compensate me for excessive holds and fees resulting from these errors XXXX. Provide documentation of your FDIC insurance coverage as it relates to my account XXXX. Provide a complete explanation of all mathematical discrepancies in my account FDIC INSURANCE CLAIM NOTICE : I am hereby providing notice that if this matter is not resolved within XXXX days, I will be filing a claim with the FDIC for reimbursement of my missing funds under your FDIC insurance coverage. Please provide your FDIC XXXX XXXX and confirmation of coverage limits for my account type. 

Please respond in writing within XXXX business days as required by law. Be advised that I am prepared to file formal complaints with banking regulators regarding these violations of basic accounting practices and consumer protection laws. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX CC : Federal Deposit Insurance Corporation ( FDIC ) XXXX XXXX XXXX, XXXX. 
Washington, XXXX XXXX Email : XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Email : XXXX XXXX of the Comptroller of the Currency Customer Assistance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX : XXXX XXXX  XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX Floor XXXX, OH XXXX Email : XXXXXXXX Florida Attorney General XXXXXXXX XXXX XXXX of the Attorney General State of Florida XXXX XXXX XXXX XXXX, FL XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX OH XXXX XXXX : XXXX Enclosures : US Bank provided statements

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 non-monetary relief