Consumer complaint received 2026-04-19 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: KS

Complaint narrative:
Complaint Against : U.S. Bank, N.A. Product : Credit Card Issue : Improper handling of fraud / billing dispute Sub-issue : Transaction not authorized / fraud under duress I am submitting this complaint regarding U.S. Banks failure to properly investigate and resolve a fraudulent transaction that occurred under violent criminal circumstances. On or about XX/XX/2022 I was the victim of a crime in which I was held against my will by an individual identified as XXXX XXXX XXXX, who was a complete stranger to me. During this incident, I was forced under threat of deadly harm to complete a transaction totaling {$10000.00} to XXXX XXXX XXXX XXXX ( now permanent closed ) using my U.S. Bank credit account. This transaction was not voluntary and was made under extreme duress. This incident was reported to law enforcement and is supported by official police reports. Following the incident I was hospitalized for approximately XXXX months and received treatment at XXXX separate hospitals due to the severity of the trauma and injuries sustained. I submitted a dispute to U.S. Bank with extensive supporting documentation, including : * Police reports documenting the wellness checks and arrest * Medical records from XXXX hospitals * Character witness statements Despite this substantial evidence, U.S. Bank denied my claim and refused to reopen the investigation. The account has since been charged off and continues to be reported negatively on my credit report. Authorization obtained under threat of XXXX is not valid authorization. U.S. Banks failure to recognize and properly investigate a transaction conducted under criminal duress constitutes an unreasonable and inadequate investigation. Requested Resolution : I am requesting that U.S. Bank : 1. Reopen and conduct a proper fraud investigation under supervisory review 2. Reverse the charge-off determination 3. Remove all negative credit reporting associated with this account 4. Cease any collection activity related to this fraudulent transaction 5. Provide written confirmation of all corrections Additional Information : I sent them documentation supporting my claim, including police reports, medical records, and witness statements. These materials clearly demonstrate that the transaction resulted from violent criminal coercion and that I should not be held financially responsible. U.S. Banks refusal to correct this matter is causing ongoing financial harm and is inconsistent with their obligations to conduct a reasonable investigation into disputed fraudulent activity. I am requesting prompt intervention and resolution. Documents I provided : * Police Reports * Medical Records ( XXXX hospitals ) * Cjaracter Witness Statements * U.S. Bank Denial Letter -Letter from the bank from Auto XXXX XXXX XXXX XXXX me from {$30000.00} loan.

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 non-monetary relief