Consumer complaint received 2025-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TN

Complaint narrative:
These are the events that have occurred on my US Bank Visa Check Card ending in XXXX for XXXX XXXX XXXX. I have been a member of U.S. Bank since XXXX and what I have experienced in the last 30 plus days is unimaginable! The first person assign to this case to investigate should be sent back to basic classes on how to decide on fraud! On XX/XX/XXXX, my Check card was used fraudulently on XXXX for purchase of 5 different items. On XX/XX/XXXX, I reported to U.S. Bank that my card had been used without my permission! Basically someone stole my Bank Card from my XXXX Account! The bank issued a refund to investigate the case! After turning my request down, I took it upon myself and called and personally talked to all the parties involved at both XXXX and XXXX! Here is a listing of events and a follow up of my investigation and the end resolution with XXXX, that the bank will not even look at to get my money back! And yes was finally told today on XX/XX/XXXX that my Social Security Check was returned! If this was you what would you do now? 

USBANK Fraud Events XXXX My account was hacked on XXXX and the following purchases were made {$220.00} Tires {$2100.00} Recording Equipment {$1300.00} Outdoor Equipment {$1400.00} Microwave Oven XXXX Contacted US Bank and reported that Card was stolen and purchases were made. 
XX/XX/XXXX Funds Added Back to Account that were used on purchases at XXXX XXXX Took money back out of Account after someone determined that I had legally purchased the items from XXXX! No Fraud found! 
XXXX - XX/XX/XXXX Alot of phone tag, when finally talked to someone and agreed to move the problem up the ladder. By this time XXXX had agreed to refund all the money back to my account, but the account that was used to purchase had been closed due to the theft! I told US Bank about this and was told this would be handled! Later I received another call from US Bank Rep saying they would take care of the problem! 

Upon returning to work on XX/XX/XXXX contacted US Bank and found out they have closed my account and are not going to do anything about my complaint and the fraud that took place! 

Here is my investigation of this matter that I took upon myself and found that the money was stolen and someone purchased these items! 

Only one of the purchases of tires arrived at the address on file with XXXX! None of the other purchases arrived at the address on file at XXXX! 

The tires were sent back to XXXX the following day at XXXX XXXX off point and received the next day and refunded money! 

The other 4 purchases never arrived at my business address! Talked to XXXX and they agreed that the packages did not arrive at my workplace! I also know that the only place that XXXX drops packages off at my workplace is the office I work in! We are a small store, and I hear when someone comes into the store! We have the same driver drop off here all the time! Talked to her and she never had any packages this large that she dropped off here! 

Spoke to XXXX several times and they agreed that the purchases were fraudulent! The two accounts that these items were purchased from had been closed! The account holders only sold 2 products each from there Online stores and never sold anything else! XXXX closed their accounts! 

XXXX says that they have the money to refund me and can not send them to my account because my account has been locked or frozen or may even be closed! The money is trying to be returned to the VISA Debit Card ending in XXXX, which was the original Debit Card I had when the illegal purchases were made. But after I reported the card was disabled and I was sent a new card! 

I have contacted US Bank several times every day since all this happened and still nothing has been done! I play telephone tag with XXXX at XXXX! 
This has been going on for 48 days and still no resolution! 

My social security check automatically deposits every XXXX Tuesday of the month! I did not get my social security check because no action was taken by anyone at the bank! 

Now I can not find my social security and have no money to pay my bills! 

From what I can gather is that US Bank does not value me as a customer and does not want to do anything to help get my money back! So my only next step would be to hire an attorney and sue US Bank for my money, plus any damages and other related expenses! 

The damages I am aware of at this moment are my time which is probably around XXXX hours or more investigating this incident, but we can settle for XXXX hours at $ XXXX for {$1000.00} to be added into my account plus another {$1000.00} for late fees and penalties I have had to pay because of your actions! And Attorney Fees which would need to be paid if I have to hire one!

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