Consumer complaint received 2025-07-24 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:
US BANK- Fraud transaction {$29000.00} XX/XX/year> Case # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXXScammers calledXXXX on my cell phone. Said they were with a US bank and they noticed fraud on the account. They ask me to verify myself with my name and dob. The caller then said they needed to send me a code to verify that it was my account. I gave them the code.They said there were two transactions in XXXX with my debit card for XXXX. They asked if I made those purchases and I said no. Then they asked if I could verify other recent transactions to verify they were not fraud. They read off transactions from my payroll company in exact amounts and zelle transactions from customers ect which I confirmed were completed by me. The caller then said they would need to send me another code to have my permission to lock the account, which I gave to them. The caller asked me to hold while they called my husband as he is the other account holder to inform him of the situation and verify him. I advised my husband of the call. They did the same with him. At no time did we share usernames or account info as they already were in our account. 


US BANK called my office at 112, my office sent me their number to call back.

I called the bank at 115 and let them know I had already been in contact with someone from the bank ( I DIDN'T KNOW AT THIS TIME THEY WERE THE SAMMERS ) in regards to the fraud, they said ok thank you. 

XXXX XXXX  called my husbands phone at XXXX to inform him of fraud AGAIN. At that point we didn't know who was who and told the rep we would call the bank directly. 

XXXX called US BANK XXXX. Filed a fraud claim and was told the first caller was a scammer. I was told to call in the morning to see if they were able to stop the wire. 

XXXX-Called bank and was informed wire was stopped. 

XXXX XXXX Closed all accounts and opened new accounts at the local branch. I was told there was no money to be transferred to the new account. I Called the bank while at the branch at XXXX was told money WAS gone. 

XXXXCalled the bank at XXXX. Spoke to the fraud dept again and was told money was gone and the E dept was trying to contact us. 

XXXX XXXX. Called XXXX  to file a police report. Waiting for a call back. 

Called-E dept XXXX. Said she shut down XXXX  username on XX/XX/year> when she could not reach us. XXXX was not shut down because i had access at XXXX. Leaving accounts still open to fraud! 

XX/XX/year> Spoke to XXXX Supervisor with the fraud dept XXXX. Said she spoke to the wire fraud dept by email and was told they are in contact with the merchant bank. No other info was given. XXXX referred me to the wire fraud dept. I called the wire fraud dept and spoke to XXXX, she sent me to DIY Fraud. XXXX XXXX. 

Spoke to XXXX in the wire fraud dept on XXXXstated she sent another wire recall and hold harmless. She declined copies of anything. XXXX stated she received the wire recall on XX/XX/year> at XXXX XXXX  but it was not in working hours, so the wire recall was not sent until the next business day on XX/XX/year> at 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