Consumer complaint received 2025-07-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: CA

Complaint narrative:
Here are the 5 x transactions with ( Scammer ) XXXX XXXX  ( XXXX XXXX ) secured by my US Bank XXXX XXXX Debit Card * XX/XX/XXXX {$5900.00}, * XX/XX/XXXX {$5900.00}, * XX/XX/XXXX {$5900.00}, * XX/XX/XXXX {$5900.00} & finally XXXX * {$4900.00} ( XXXX XXXX discount ) ______Totaling {$28000.00} scammer 's website is Still up & running & clearly spells out the transaction & in retrospect outlines his scam : XXXX along w guaranteed 60 day delivery agreements for each transaction - attached Absolutely NOTHING was provided-no product, no service nor partial -nothing whatsoever was provided nor delivered. 

In early XX/XX/XXXX ', I preemptively Called the US Bank Fraud dept via # on back of my debit visa card connecting to my business account and reported everything to US Bank whom said " thank you for notifying us early -we will take it from here and start with provisional credit to.you '' They said I may receive forms in the mail or call back unless no response by the other party. 

I called to check status a monthly later in XX/XX/XXXX '. They stated this case was " mis-fied as Fraud and Should have been filed as a Dispute-but not to worry -they will now re-file as a dispute. Until XXXX, US bank still did not re-filing as Dispute thereby leaving as an incorrect 'mis-filing '. This is after calls every 3-6 weeks from then on checking status and to my astonishment learning it still had not been re-filed as dispute whereas Every rep and manager on every subsequent call promised same thing in and endless 'spin-cycle '. Then, in XXXX i finally get dispute forms in the mail and I promptly fill them out the very next day and well b4 the window time to do same.

Then follow up with a Call where Im told " Oh, we got your dispute forms -- but its been over 120 days at thats our statute limit -- they had the nerve to say " you should have notified us earlier!! " US Bank to date has not returned my {$28000.00} all secured on my US Bank XXXX XXXX XXXX -- -- Each successive dept from Office of the President to Customer Assurance Dept - has continued blocking my case resolutions with various tactics. They have now said the customer assurance manger is upholding the case as finished and will not return my funds -- but keep giving me PO box 's to send my 41 pages of documentations for possible appeal ... Ceaseless run-around! 

US BANK -lies, misrepresentation, mishandling & run-around on " XXXX XXXX XXXX XXXX Scam/Dispute case '' as Quoted per their own XXXX & XXXX supervisor & mgr as they put it. ( recorded along with appx 20 hours of recordings held by US Bank since XXXX thru XX/XX/XXXX i have over 20 hours logged on US banks recording starting early XX/XX/XXXX and ceaselessly thru XX/XX/XXXX -- PLS HELP - HOPEFULLY THEY WILL DO THE RIGHT THING AND RETURN MY FUNDS! 



US Bank to needs to immediately own their numerous mistakes & mishandling and return the {$28000.00} which they have played games with & stated repeatedly would have & should have came back to my account- had they filed /or re-filed properly as a Dispute ( vs Fraud )

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