Checking or savings account -- Managing an account -- Complaint #4555859
Complaint Overview
Complaint ID: 4555859
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Missouri
ZIP Code: 64804
Date Received: 2021-07-19T12:00:00-05:00
Date Sent to Company: 2021-07-19T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
On XX/XX/XXXX, I checked my US Bank XXXX app. I noted that there were two sizable withdrawals that I did not authorize from my checking account XXXX account number ending in XXXX ). One was in the amount of {$10000.00} and the other was in the amount of {$7500.00}. I called the XXXX number on the back of my US Bank debit card and spoke with a representative. The representative told me that she would make notes and start an investigation but I would need to call the US Bank fraud liaison department ( XXXX ) the next morning ( XX/XX/XXXX ). The following day I called the US Bank fraud liaison number and was on hold for almost 45 minutes and did not speak with anyone. I drove to one of the local US Bank branches located at XXXX XXXX XXXX XXXX, XXXX, Missouri XXXX. I met with worker XXXX XXXX and explained my situation. XXXX XXXX had my wife and I sign affidavits attesting that neither of us authorized anyone to withdraw these sums of money. XXXX XXXX also had my wife and I sign a customer statement. The branch manager told us that she received information that the US Bank location where the withdrawals occurred was in XXXX, Ohio XXXX XXXX XXXX XXXX XXXX ). My wife and I have called and spoken with the US Bank Fraud Liaison center almost ten times and we keep getting the runaround and different answers about the circumstances of what happened, how long investigation with take, whether a provisional credit for our funds can be issued, what documents my wife and I need to submit to US Bank to assist investigation, etc. On the day that the withdrawals were made, I was working in XXXX, Oklahoma and my wife was working at her job in XXXX, Missouri. Apparently the person or persons who withdrew the money used an identification in the name of " XXXX XXXX. '' XXXX was my spouse 's maiden name, but she has not used that last name or identification with that last name since XXXX of XXXX, which is when we became married. On XX/XX/XXXX, my wife and I also filed a police report with the XXXX Police Department ( Case Number XXXX, report taken by Police XXXX XXXX, XXXX XXXX, XXXX, extension XXXX, XXXX XXXX. To this date, the funds have not been returned to my account by US Bank. Any assistance would be greatly appreciated.
Frequently Asked Questions
What is Complaint #4555859 about?
Complaint #4555859 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2021-07-19T12:00:00-05:00.
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 (Checking or savings account) 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.