Consumer complaint received 2020-02-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MO

Complaint narrative:
On Sunday, XXXX XX/XX/2020, I received a text with a link to a job offer from XXXX. I used the link given to apply for the job. Later that afternoon someone calling himself XXXX XXXX ( XXXX ) called me and introduced himself as a hiring manager for XXXX. He told me that I was hired and explained what he would be doing the following week. He said that he would be sending me a check for {$3900.00} via XXXX. The XXXX tracking number I was given this number XXXX XXXX XXXX XXXX XXXX XXXX. Upon receiving the check I was supposed to deposit it in my bank account. After the funds were available in my account, I was instructed to send {$3400.00} to their " expert installer '' via XXXX, so that they could install the marketing materials immediately. The extra {$500.00} was supposed to be payment for my first week. I received the check on Thursday, XXXX XX/XX/XXXX. I notified XXXX that I received the check and there might be a problem with it because it was not from XXXX. It was from XXXX XXXX, XXXX XXXX said that was ok because it was another account that he managed. He instructed me to deposit the check and use XXXX to transfer the money to the installer, XXXX XXXX. I deposited the received check in the afternoon at the US Bank Branch at XXXX XXXX XXXX in XXXX XXXX on Friday, XXXX XX/XX/XXXX. However, there was a problem with the XXXX app ; so I called XXXX back to advise him. He instructed me to go to the post office and buy a money order and overnight mail it to XXXX XXXX. When I questioned this, he told me that she was XXXX 's business partner. 
I went to the post office and found out that maximum postal money order is {$1000.00} and the limit I could receive from my debit card was {$2000.00}. So, on XXXX XX/XX/XXXX, my daughter and I purchased {$2000.00} from the XXXX on XXXX XXXX XXXX in XXXX XXXX and mailed them to XXXX at XXXX XXXX XXXX # XXXX, XXXX XXXX NJ XXXX ( XXXX ) XXXX. The following day, XXXX XX/XX/XXXX, the XXXX app was working and I transferred {$1400.00} to XXXX XXXX using his e-mail address : XXXX. The confirmation code is : XXXX. XXXX was supposed to contact me about installing the marketing materials. However, XXXX called to tell me of a delay on XXXX XX/XX/XXXX. Of course there was no delay, the check was returned on XXXX XX/XX/XXXX, because it was either forged or from a fictitious account. I didn't find out the check was bad until Friday, XXXX XX/XX/XXXX. I went right away to the US Bank branch on XXXX XXXX. I was told by someone in their fraud department that the bank would not accept any responsibility and I was responsible for the entire amount because they did not consider it a case of fraud because I sent the fraudsters the money. I talked with my son, who is an Asst US Attorney, who told me to file reports with several entities : FBI, Consumer Financial Protection Bureau, XXXX XXXX Police Department, Missouri Attorney General 's Office, Minnesota Attorney General 's Office, and with Office of the State Bank Commissioner of Kansas. I filed the FBI report on Monday, XXXX XX/XX/XXXX ; the PD on Tuesday, XXXX XX/XX/XXXX ; and the remaining four reports on Thursday, XXXX XX/XX/XXXX. I also plan on escalating the issue with US Bank on Friday, XXXX XX/XX/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