Consumer complaint received 2025-11-23 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: KS

Complaint narrative:
Complaint Against US Bank : Refusal to Reopen and Investigate Fraudulent ACH Withdrawal Date of Fraudulent Transaction : [ First charge of {$130.00} beginning on XX/XX/year> and last charge of {$130.00} ending on XX/XX/year> ] Amount Disputed : Approximately {$800.00}. 
Merchant/Originator : XXXX XXXX XXXX XXXX XXXX Contract holder for Tax Relief Helpers ) US Bank Claim Number ( if available ) : [ Claim Reference Number XXXX ]. 


I am submitting this complaint against U.S. Bank for its refusal to reopen and conduct a proper investigation into a fraudulent Automated Clearing House ( ACH ) withdrawal of approximately {$800.00} from my account. 

This charge was initiated by a company known as XXXX XXXX XXXX XXXX XXXX XXXX as part of a confirmed scam. I initially filed a dispute with U.S. Bank, which was subsequently denied or permanently closed. 

Since the initial denial, I have pursued significant external action to validate the fraudulent nature of the transaction : Police Report : A formal police report detailing the fraud has been filed with the XXXX XXXXXXXX XXXX Police Department. 

Regulatory Complaints : Formal complaints have been filed with the XXXX XXXX XXXX XXXX XXXX ) and the State Attorney General 's office. 

Despite providing U.S. Bank with this compelling third-party documentation and evidence of a confirmed scam, the bank has repeatedly refused to reopen the dispute claim. This denial of a request for re-evaluation, especially when presented with substantiating legal documents ( the police report ), constitutes a failure to meet U.S. Bank 's obligation to conduct a reasonable and good-faith investigation into unauthorized electronic funds transfers, as required by consumer protection laws, including Regulation E.I would also like to state that I have send several emails to XXXX XXXX the manager at the US bank in XXXX XXXX XXXX but all I have received from her is the runaround which is not acceptable. If requested I will be more than happy to submit all the relevant documents including the emails send and received to the US bank manager XXXX XXXX. The claim was filed with US bank in XX/XX/year> and was immediately closed without doing any investigation by my bank. 
As a consumer who relies on U.S. Bank to safeguard my finances, I feel the bank has fundamentally failed in its duty to protect my money from a confirmed scam. The bank 's continued refusal to act, despite overwhelming evidence and regulatory filings against the merchant, seriously compromises U.S. Bank 's credibility and raises questions about its relationship with a merchant known to be involved in fraudulent activity. 

Requested Resolution : I demand that U.S. Bank immediately reopen Claim Number [ XXXX ], review the comprehensive evidence of fraud ( including the police report ), and fulfill its obligation to reverse the unauthorized ACH withdrawal, refunding the full amount of approximately {$800.00} to my account.

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