Money transfer, virtual currency, or money service -- Fraud or scam -- Complaint #6252554
Complaint Overview
Complaint ID: 6252554
Company: U.S. Bancorp
Product: Money transfer, virtual currency, or money service
Sub-Product: Domestic (US) money transfer
Issue: Fraud or scam
State: Arizona
ZIP Code: 85086
Date Received: 2022-11-28T12:00:00-05:00
Date Sent to Company: 2022-11-28T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
We were on the process of buying a new home. The construction company XXXX XXXX XXXX XXXX sent our title agency company name on docusign and determined the closing date about two months ago. Two days later we received an email from the title agency which was a spoofed email that we were not aware of. That same email was sent to our realtor too. The spoofed email asked us to wire the deposit money early. This spoofed email knew the exact amount ( around {$180.00} ) with the pennies which matched the exact amount our loan officer had sent us by docusign. Since all the information was right, we didn't suspect. Therefore we did what we were told and wired the money to the given account number.Before the transaction, we called and informed our loan officer and our realtor for confirmation. The loan officer confirmed the number and then we called our bank ( XXXX XXXX ). We asked if the attached escrow account # belonged to the title company. The title company name on the escrow account was exactly the same. After that confirmation with our bank, we wired the money. On the other hand, XXXX XXXX changed the closing date three times. At the closing date we went to the title agency. We found out that we had wired the money to a dfferent account. We filed a wire fraud file with XXXX XXXX. The money was wired to US Bank in XXXX Arizona instead of XXXX XXXX account. We contacted XXXX XXXX XXXX department and they asked the US bank to give them info about that fraud acount and the money wired. They didn't feel any obligation to respond. We had consultation from two lawyers. We contacted local police department. They all pointed to XXXX. Then we filed XXXX form ( wire fraud form ) on XXXX website and submitted it. We didn't receive any confirmation # from XXXX. When noone got back to us we made a call to FBI.We were told there wasn't a way to track our file. Unfortunately that wasn't any help at all. It's been two months that noone contacted us. We are left all alone. We could not buy a new home. We are now renting. We want to get our money back but don't know how to do it. There must be something that someone can do about it. Our loss is very big and changed our lives. We are seeking for your help. Please help us.
Frequently Asked Questions
What is Complaint #6252554 about?
Complaint #6252554 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 2022-11-28T12:00:00-05:00.
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.