Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #4527885
Complaint Overview
Complaint ID: 4527885
Company: U.S. Bancorp
Product: Money transfer, virtual currency, or money service
Sub-Product: Mobile or digital wallet
Issue: Fraud or scam
State: Iowa
ZIP Code: 50014
Date Received: 2021-07-08T12:00:00-05:00
Date Sent to Company: 2021-07-08T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
Over the weekend of XX/XX/XXXX, I was subject to a dating scam on XXXX. I was in contact with a profile that was run by someone who subsequently claimed to be XXXX, sent XXXX pictures of the person who the account was supposedly of, and solicited me for XXXX pictures of myself. Two days later, I was contacted by someone first claiming to be a private investigator hired by the family of the person I was supposedly in contact with over XXXX and then by the supposed father. I was then shaken down by the father for {$1600.00} in order to send the girl I was in contact with to some sort of a XXXX program as an alternative to the mother going to the police and pressing charges ( I paid {$1700.00} thinking that that would demonstrate good faith ). The money was to either be sent through XXXX to a XXXX or through XXXX to the person who was supposed to be the pastor of the family, XXXX XXXX. The money would not go through XXXX so I ended up sending it through XXXX, which is tied to my US Bank account. I subsequently determined that this was a scam and refused to provide any more money when I was subsequently solicited for additional money the day after I sent the {$1700.00}. The day after I sent the {$1700.00}, I filed reports with the local police, the FBI, and US Bank, where I have had an account for several years. Yesterday, I received a letter from them denying my claim on the grounds that as the transaction was posted as requested, there was nothing they could or would do. Upon calling their help line, I was told that my only option would be to pursue this through small claims court. This was because US Bank claimed that so long as I had been the one to make the transfer, despite it being made due to fraud, they had no further responsibility in the matter and would not take action to return money that had been reported stole through fraud.
Frequently Asked Questions
What is Complaint #4527885 about?
Complaint #4527885 was filed against U.S. Bancorp regarding Money transfer, virtual currency, or money service specifically about Fraud or scam. It was received by the CFPB on 2021-07-08T12:00:00-05:00.
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 (Money transfer, virtual currency, or money service) 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.