Checking or savings account -- Problem with a lender or other company charging your account -- Complaint #7533989
Complaint Overview
Complaint ID: 7533989
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-Issue: Transaction was not authorized
State: Washington
ZIP Code: 98665
Date Received: 2023-09-11T12:00:00-05:00
Date Sent to Company: 2023-09-11T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Servicemember
Consumer Narrative
On XX/XX/XXXX, I received a call from my bank notifying me that suspicious activity was recognized on my debit card at XXXX AM in the amount of {$5400.00} at a nearby casino. My debit card was immediately canceled, and a report was filed with US Banks fraud department. They informed me that they will give me a provisional credit on my account. I did not hear anything about the banks investigation until I received a letter in the mail on XX/XX/XXXX stating that their investigation was complete and that they were going to reverse the provisional credit in 2 days ( XX/XX/XXXX ). I called the fraud department and they told me that they denied my claim for two reasons ; 1 : My chip was used during the transaction and because the location of theft was localized to my are. This is impossible because my card never left my wallet and I have not been to this casino in over 4 years. XXXX from the Fraud Department told me that if I wanted to get my money back, I would need to prove that I did not authorize the transactions. The bank has denied any written documentation on their investigation. I have been trying to solve my own crime ever since. I have filed XXXX police reports ( XXXX with the XXXX XXXX XXXX XXXX XXXX and another with XXXX Police Department ), I drove to the casino on XX/XX/XXXX and got receipts of the transactions, but the bank will not protect me or give me back the credit. The main reason they told me was because it was impossible to duplicate or clone the XXXX chips inside the debit cards ( an easy XXXX search will tell you otherwise ). This has caused undue stress and anxiety in my life as I keep wondering how I will be able to pay my bills or feed my family. The bank will not help me any further and I do not know what I can do or what rights and protections I have. It is my understanding that the law protects a consumer 's money when there are unauthorized transactions on their credit/debit card.
Frequently Asked Questions
What is Complaint #7533989 about?
Complaint #7533989 was filed against U.S. Bancorp regarding Checking or savings account specifically about Problem with a lender or other company charging your account. It was received by the CFPB on 2023-09-11T12:00:00-05:00.
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.