Credit card or prepaid card -- Problem with a purchase or transfer -- Complaint #4591683
Complaint Overview
Complaint ID: 4591683
Company: U.S. Bancorp
Product: Credit card or prepaid card
Sub-Product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-Issue: Charged for a purchase or transfer you did not make with the card
State: Oregon
ZIP Code: 97206
Date Received: 2021-08-01T12:00:00-05:00
Date Sent to Company: 2021-08-17T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/2021 I receive child support benefits through the state of Oregon on a U.S. Bank Visa ReliaCard. On XX/XX/2021, I attempted to use my card to buy groceries and it was denied. I was shocked because I had nearly {$7000.00} on the card. I had been saving as much as possible to use for my daughter 's XXXX. I immediately called the number on the back of the card and after many tries and hours got through. They said that {$1900.00} had been transferred from my debit card to a bank account, not once, not twice, but three times within 10 minutes on XX/XX/2021. The following day, XX/XX/2021, {$700.00} was transferred to the same account. They then directed me to the fraud department and took me through cancelling the card. It appears someone had set up an online account in my name. They may have used the email address XXXX to change the pin, etc. That is an email address I have never seen, had, or used, nor do I have access to it, but when I accessed the account online that was the email associated with the account. It had apparently been changed from my email and no one ever informed or checked with me to insure I had made the change. I dont know what phone number is associated with the card, just that it is not my phone number which was rejected as being associated with my card. I did not make or authorize these transfers. My card was not stolen. I did not give my card information to anyone. In the nine years or so I have had the card I have never made a card to bank account transfer. I would think that these huge transfers within minutes of each other, along with personal information on the account being changed would have triggered the fraud triggers U.S. Bank is said to have in place, but I guess they did not. I filled out all the required fraud paperwork on time and properly. I can show my bank accounts, credit report, anything. The dispute claim number is XXXX. I received a letter today dated XX/XX/2021 from U.S. Banks Prepaid Dispute Resolution stating there was no error and that my child support account would remain at {$0.00}. The investigation was done extremely quickly, and I have no way of knowing what it consisted of. I would hope that when a childs welfare is on the line, a little more care would be taken to get this right. Someone stole {$6400.00} from my XXXX XXXX and U.S. Bank literally hung up on me when I tried to calmly get more information.
Frequently Asked Questions
What is Complaint #4591683 about?
Complaint #4591683 was filed against U.S. Bancorp regarding Credit card or prepaid card specifically about Problem with a purchase or transfer. It was received by the CFPB on 2021-08-01T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with monetary relief". 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 (Credit card or prepaid card) 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.