Consumer complaint received 2023-05-06
Company: U.S. BANCORP
State: IN
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

Complaint:
I had been w/ US BANK ( home branch located in XXXX XXXX Illinois and Branch Manager, XXXX XXXX XXXX whom was always kind to me )! 
I opened an account in XXXX with XXXX XXXX and opened a joint account that the other person on the account closed without my consent a couple months later. 
I had looked back several years and seen from the advice of one of the US BANK representatives on the 24/7 phone number that I was being charged such an excess of Overdraft Fees that she had NEVER seen before. They went over what the law allows the financial institutions to charge in one day by thousands of dollars! 
I had cash run through both accounts and used my account quite frequently, until Covid hit and I feel as if I was not treated fairly and lied to twice by one of the bank tellers that was supposed to fax over about 35-50 pages of DISPUTES to the proper office! I had originally had them inside of envelopes with stamps on them ready to mail, and I gave them to the bank teller before she left work and she promised that she would fax them over. I had a bad feeling in my stomach and I definitely was right. The bank teller did none of this sort. They never ended up going to the US bank dispute department so that I could get my money back from a few places, XXXXXXXX XXXX XXXX XXXX included for over th {$1600.00} that was coming out of my account every month for my XXXX XXXX XXXX that he purchased when they were still sprint and it never ever showed up at the doorstep. The only thing that showed up was a note that they couldnt deliver an item like that I had called XXXX several times, which is now XXXX and never ever. Would they send another phone it was never ever activated in his name. They even saw that somewhere around Wisconsin. Somebody tried to activate the device and it was to be mailed to XXXX Indiana not Wisconsin or Minnesota. XXXX or XXXX got all their money back from the first dispute. I was paying monthly out of my account for this phone that never ever showed up and was apparently insured when finally it came down to letting them know that he was going to leave the company, XXXX XXXX actually offered to finally mailed the phone that was enough. New phone was already purchased and my money was gone. I just want my money back into stay back.! 
Well, I was very disappointed that the bank teller after being there for five years, never ever faxed my dispute papers in about 50 pages or so that I spent hours writing for what I never received and the reasonings, and just everything in detail even police reports that were made. XXXX or XXXX XXXX now just had got their money back and also also they put on my fiancs credit report that he owed them over {$1600.00} as well for that phone. How could they get paid their money back which was taken out of my account and put me in the negative in my account was closed because of this and then on my fiancs credit report its on there that he owes them money as well. They are really making out from that and completely destroying. My fianc is Credit as well as mine with opening up a bank account after being with them and having at least {$50000.00} of cash or {$50000.00} go through the account and even more every single year for five years! 
Earlier in the year of XXXX I was taken for I believe it it had happened when I was in the hospital and somebody took my card and they stole almost {$10000.00} from me. I dont know how they got my information and my money was given back to me since it was in during the pandemic then I ended up looking at my account one day, and all of a sudden they took the money back. My money was supposed to have been insured by the FDIC, and they promised over and over again to mail the paperwork for The fraud and for me to sign and they never ever mailed it not once they acted like they didnt even care and the person who made sure that I got my money back right away was almost in tears when she heard the story she was wonderful on the phone. Im actually a XXXX  person so I would talk to a lot of people that worked midnights And I really did love my bank. I would love to have my bank account back at US Bank, and I would love this matter to be taken care of, and especially looked into about how many overdraft fees that I was charged over the years and especially on the joint account that was close by the other party. Once again, one of the bank representatives from US Bank over the phone told me that it was against the law how many overdraft that I had been charged daily it went over thousands of dollars over the years and I was due that money back. Apparently its in a credit, or its against my credit right now and theyre trying to collect a debt. I would hope that somebody could work with XXXX XXXX XXXX with having my account opened back up and this issue resolved as soon as possible. I really enjoyed him and I could trust him and I probably should have went to him to talk about this however, he had no control over what the big bigger parties did in this process, I also want to mention that I was given a letter right before the pandemic started that one of my insurance companies had an encryption issue, and I had passwords my Social Security number my ID, a whole bunch of information about myself. It was hacked into, and they apologized profusely and now there were several other entities that are saying I owe them money and I do not even know who they are this insurance company that I dont even know whom they are offered me some {$200.00} identity theft or the best one for the year which I did not go into since a lot of it was true and traumatic at the time now I would hope that somebody can help me to resolve these issues as well. I will come back and fill this out to the best of my knowledge my bank account was closed from US-BANK I believe in XX/XX/XXXX. This was completely wrong. I am definitely owed my money back plus my money back from when my card was stolen plus some money back from other places and entities that had stolen from me. I was even send messages that my information was on the dark web. I would like to get this whole spiderweb of things cleared up on my credit as soon as possible and I thank you so much for your help in solving this issues as soon as possible. I pray God blesses you all with abundance in every area in every way needed plus more and I thank you very much for listening and reading my long message here. I hope that I was very thorough, if you need better dates Im sure I can provide them however, I do not know the exact dates and times. Thank you very much and God bless once again if you can, please get a letter to this company. I do not want to be in collections for this, and I would like my bank account back my money back, and my fianc would like his name to be off of the Credit-Bureau list for XXXX XXXX XXXX Basically theyre trying to get money from it some thing that was stolen and never or never sent out they got their money back from my account that was disputed and a police report made and then they wouldnt since we were not gon na stay with XXXX once they decided to want to mail the XXXX XXXX so now you know this was quite a few years ago they went and they put a {$1600.00} charge on my fiancs Credit report with XXXX XXXX XXXX XXXX and XXXX. Thank you very much. Sincerely & Truly Yours, XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation