Consumer complaint received 2026-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: TN

Complaint narrative:
I am filing a formal complaint against U.S. Bank for failure to adequately investigate and protect my funds under the Electronic Fund Transfer Act ( Regulation E ) and XXXX XXXX Zero Liability Policy. U.S. Bank has wrongfully closed/reversed my fraud dispute regarding an unauthorized debit card charge of {$2100.00} from a predatory, known rogue operator doing business as XXXX XXXX XXXX FACTS OF THE TRANSACTION : On XX/XX/year>, my wife attempted to reserve a hotel room at the XXXX XXXX XXXX and Conference Center. XXXX impersonated the hotels website operated, deliberately mirroring the official hotel branding, logos, and layout to deceive consumers. My wife explicitly initiated a payment sequence using a shared credit card. She did not use, type, or intend to touch my personal U.S. Bank debit account. However, XXXX 's checkout interface deployed background scraping scripts or malicious form manipulation to bypass her selection. The platform clandestinely harvested my personal U.S. Bank debit card information from a saved browser autofill profile without our knowledge, input, or explicit consent. REGULATION E & AUTHORIZATION VIOLATION : I am the sole primary cardholder of this U.S. Bank debit account and was not present during the digital checkout session. I did not enter, select, or authorize the usage of my debit card on this platform. Under Regulation E, this constitutes an absolute unauthorized electronic fund transfer. The merchant 's system unlawfully harvested my financial credentials without explicit cardholder authorization. POST-PURCHASE TERM INJECTION & SERVICES NOT RENDERED : Furthermore, the merchant did not disclose its highly restrictive, predatory cancellation policy prior to purchase. They only transmitted these terms via an automated email confirmation AFTER they had already processed the unauthorized {$2100.00} charge. The receipt also did not include the last 4 digits of a credit, which is standard practice. Crucially, the upcoming travel dates have not yet occurred. No physical service has been rendered. We have already booked a separate, legitimate reservation with the actual XXXX XXXX XXXX. BANK FAILURE TO INVESTIGATE : U.S. Bank initially granted a temporary provisional credit for this unauthorized transaction. However, XXXX auto-submitted standard system logs of the deceptive session to claw the money back. U.S. Bank 's dispute department accepted this automated boilerplate rebuttal from the merchant, completely failing to investigate the core fact that the transaction was executed via unauthorized credential harvesting from a non-present third party ( me ). REQUESTED REMEDY : Because the travel date is in the future, the contract is legally void due to trademark fraud, and the debit card number was scraped without the cardholder 's consent, I demand that U.S. Bank immediately reopen this file, review the fraudulent tech practices of XXXX, and permanently credit my account for the full amount of {$2100.00}.

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