Debt collection -- Written notification about debt -- Complaint #18464931
Complaint Overview
Complaint ID: 18464931
Company: U.S. Bancorp
Product: Debt collection
Sub-Product: Credit card debt
Issue: Written notification about debt
Sub-Issue: Didn't receive notice of right to dispute
State: Nevada
ZIP Code: 89139
Date Received: 2025-11-12T12:00:00-05:00
Date Sent to Company: 2026-01-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
What happened : I was a U.S. Bank customer and experienced fraud after my phone was stolen. My U.S. Bank debit card was linked to XXXX XXXX, and unauthorized transactions were made through XXXX XXXX. I immediately reported the fraud to U.S. Bank, and they issued me a {$1000.00} provisional credit during their investigation. After completing the review, they concluded that I was responsible for the transaction and reversed the {$1000.00}. However, I was never notified in advance of this reversal or that my account would be closed. As a result, my checking account went negative, and overdraft protection automatically triggered, creating a {$810.00} overdraft balance. I was unaware of this until after my account had already been closed. Later, U.S. Bank sent me XXXX checks ( {$360.00} and {$32.00} ) from the closed accounts, which indicates that positive funds remained after their internal adjustments. I do not understand how an overdraft balance of {$810.00} could exist if the account still had funds left. I am disputing responsibility for the overdraft and the closure, as this situation was caused by XXXX Banks internal reversal timing and lack of notice not by any action of mine. Additionally, the original fraud originated through XXXX XXXX, and I have an open claim with XXXX XXXX. I am requesting : 1. A full transaction history showing how the $ {$810.00} overdraft was calculated. 2. Documentation of any notices sent before the reversal and account closure. 3. A review and reversal of the overdraft balance and negative reporting, if any I
Frequently Asked Questions
What is Complaint #18464931 about?
Complaint #18464931 was filed against U.S. Bancorp regarding Debt collection specifically about Written notification about debt. It was received by the CFPB on 2025-11-12T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Debt collection) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.