Consumer complaint received 2022-05-06
Company: U.S. BANCORP
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I opened a US bank account in late XXXX that my boss demanded I open because my bank didnt receive XXXX payments. My XXXX W-2 was way too high and I brought this to his attention ( XXXX XXXX XXXX he fired me. I fought it till I won but unemployment said I hadnt worked at XXXX XXXX for over a year I then gave the agency all my proof and he lost. I enrolled in XXXX XXXX  classes and was buried in my studies and then someone ( authorized user ) had accessed my bank account and turned off all notifications and since I received a grant for school I didnt think much about the bank account. In XXXX or XXXX of XXXX I received 2 letters from US bank on the same day informing me my shared account member entered and exited hence the two letters. I called US bank and said NO ONE has permission to be in my account where I was told they dont have shared users and those letters were scams. 
They were not scams I was lied to upon reading all material on US bank you can have up to 2 secret shared users all they need is your SS number and drivers license and then they get their own username and password to my account!! I didnt realize any of this was going on till I paid off my XXXX XXXX credit card and then received a XXXX dollar charge which was what I paid down. The card had a XXXX dollar spending limit which I had raised to XXXX which I rarely use credit cards and my credit was a XXXX so I could have had more but I needed to establish my career first. 
Then I called XXXX XXXX and said these are not my charges and they said they couldnt go back further to see why those charges were on my card. I thought that was the end but nope someone ( XXXX XXXX perhaps but the other information they hacked had to be someone I knew well ; I have a lot of faith almost all of what happened was committed by my cousin XXXX XXXX XXXX XX/XX/XXXX and her long time boyfriend XXXX XXXX were responsible for what happened next- someone took out 2 or 3 more XXXXl XXXX cards after I cut my cards up and informed XXXX  XXXX not to raise my spending balance or issue any more cards and I deleted the app from my phone and didnt realize the danger I was in. 
In XXXX they hacked into my emails by using workplace XXXX  or XXXX where they then controlled all my passwords. They raised the one card to XXXX and I think XXXX on the other. No mail came to inform me and the cards were sent somewhere??? Slowly and with hours and hours digging into this I discovered they were laundering money through my bank account to the XXXX XXXXXXXX cards then to large weekly payouts into my XXXX ID which Id been locked out of for quite a while. They then used XXXX XXXX with my oldest XXXX ID and they locked me out of that as well as several emails, and all personal information. 
In XXXX of XXXX I lost my job due to COVID and when I tried to file for unemployment I found my username and password had been changed as well as my security questions which is why I think it was one of the above mentioned. XXXX XXXX writes bank code and is an app developer for XXXX, XXXX XXXX and yep US bank. Developers can reach into your device and get all your information and delete passwords and so much more. Finally in XXXX of XXXX I reached unemployment where they put XXXX into my account I think unless it was XXXX laundering more money because XXXX claims that they sent it out but US bank denies that fact. Within 2 weeks not even all that money was stolen every time I swiped my debit card XXXX came out, the second round was XXXX until it was close to a XXXX  and the bank records show all that money being put into another account. To date I have lost my home, car, job, my life and I have called and called all these places to no avail. 
I also discovered that someone filled for identity theft before I even knew it was stolen. I dont know what to do and I need help because Im still being stalked by this individual ( s )

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