U.S. Bank National Association Corporate

Complaint ID: 6629041

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem caused by your funds being low

Subissue: Bounced checks or returned payments

Company: U.S. BANCORP

Complaint: Good Morning Im reaching out because my bank is holding my liable for a thief by trickery scam. I was looking for a part time job on line on the XXXX XXXXr app. And I was offered a job, this job was working from home XXXX hours Monday through Friday, I gladly accepted it and thats when the dilemma started, the Hiring person ( XXXX XXXX ) sent me a check to purchase working equipment, told me to deposit the check into my personal bank account asking me to take pictures of the check the deposit slip and the receipt from the bank, ( which shows all my back information ) still I did thinking they sent me the check they are probably just making sure Im not a crook? Then they contacted me the next morning early to tell the funds were released and to XXXX a payment of {$500.00} To the vendor ( XXXX XXXX ) I would be purchasing the equipment from, so I did, once that payment was received I was asked to send via XXXX an additional {$1000.00}. To the vendor, XXXX payment was not available, so I was asked to go to my bank and withdraw in cash {$3500.00}. From the check I deposited the day before, by the way check was for {$4300.00}. So I did still not thinking anything. I figure it was their Money, once I had cash in hand the hiring Person ( XXXX XXXX ) asked me to buy XXXX I had no idea what XXXX was nor how to purchase it, but they did they sent me an address to the XXXX XXXX XXXX on XXXX XXXX and XXXX XXXX and located the XXXX machine and I submitted all the {$3500.00} In cash and got a receipt, while I was processing the transaction I was told to screenshot each screen as I proceeded and I did which showed my ssn, scanning my drivers license, my email address, phone numbers etc. So now I have given them everything of my information Once I was done I was asked to go home and wait for future instructions. I get home I text my children to tell them the good news about the part time job and ask them if the ever used XXXX or heard of it as soon as I mentioned XXXX my daughter calls me, then my son is calling me I sent my son a text that Im on the phone and with in minutes hes at my door, ( my daughter in law works for a credit union ) and shes seen this scenario a few time and they target older individuals. I went to the bank to close my accounts was told me Im liable for the check since they ( the bank ) said I willingly deposited it and then withdrew cash from the account, and they were going to put my information on a check plus list so that I would not be able to open another account anywhere. Because I was a victim of thief of trickery, also I notifying my credit cards and creditors, I went to file a police report but was told because the monies are not in this state its not their jurisdiction Thank you for your time, XXXX XXXX XXXX Here is the names that were used and in the order I was contact : XXXX XXXX XXXX XXXX is my initial contact With an email invite to interview Then was asked to download XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) only contacted through the XXXX XXXX Third contact : XXXX XXXX CPA sent check via XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Vendor Also reached out to the XXXX support and their reply was : Due to the nature of XXXX, reversing the transaction or changing the destination of the funds once the transaction is sent is not possible.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6627860

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Fees or interest

Subissue: Problem with fees

Company: U.S. BANCORP

Complaint: I would like to report Predatory Lending practices on behalf of Elan Financial Services. A previous complaint was filed in which they admitted they had told me I was not required to pay an exorbitant minimum payment for the month of XXXX, but is still charging me anyway. This is Predatory Lending practices. Elan Financial 's response to my complaint was " Our review found that you were provided inaccurate information regarding how your credit from XXXX was applied to your account. We have confirmed that the account is not being reported as delinquent for XX/XX/2023. '' Their response also stated my XXXX balance was {$6000.00} and that they received my {$160.00} payment ( as I was told by their Customer Service that I did not need to make the exorbitant payment of {$1100.00} minimum due because my Target credit was received on XX/XX/2023. Elan 's response then goes on to say by XXXX statement had a balance of {$4800.00} and a minimum payment of {$1000.00} ''. How can I have a XXXX balance of XXXX, if only {$160.00} was applied? Elan flat-out lied to me ( as a holder of the XXXX XXXX XXXX ) about receiving the XXXX credit of {$1100.00} on XX/XX/2023. They told me on the phone that I no longer needed to pay the {$1100.00} minimum due and that they would note this in my file. Elan is still saying they want the {$1100.00} by XX/XX/XXXX, even after admitting THEIR mistake ( i.e. " you were provided inaccurate information ... '' ). I refuse to pay 25 % of my balance due to ELAN taking XXXX weeks to credit a return back my account. Elan 's response to my complaint states they still want me to pay {$840.00} on top of the {$360.00} that I have already paid.

Company Response: Closed with monetary relief

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 6627489

Product: Credit card or prepaid card

Sub-Product: General-purpose credit card or charge card

Issue: Problem with a purchase shown on your statement

Subissue: Credit card company isn't resolving a dispute about a purchase on your statement

Company: U.S. BANCORP

Complaint: Filed fraud complaint # XXXX with XXXX XXXX XXXX after finding fraudulent purchases on card. Was alerted by my personal bank XXXX XXXX that US bank had made an unauthorized transfer from my checking account of {$4000.00}. Accessed account and found fraudulent charges of just over {$9900.00}. Was sent a letter saying I was responsible for charges as I had received benefit from them. Service rep called me after I sent in unfavorable survey, reopened investigation, determined an unsolicited replacement card had been sent to me and was likely stolen in the mail. Got e-mails every 2 weeks assuring me they were working on it. On XXXX/XXXX/22 received e-mail saying claim was near resolution and I would receive an explanation letter. Never got it. Called and was told it was resolved and I had credits but they couldn't do anything about it because XXXX XXXX account was changes to XXXX XXXX. XXXX XXXX said I hadn't filed a complaint in a timely manner. Sent certified letter to US Bank requesting explanation letter and documents on XX/XX/22, still have not received a reply.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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