Consumer complaint received 2018-04-24
Company: U.S. BANCORP
State: TN
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
USBank allowed my ex husband to fraudulently open a business checking account for my business which is a c corp that he has never had any share of with the forging of my name by a " friend '' of his XXXX XXXX XXXX who he had known for years. My signature was forged and my ID was never collected.This account was also to be a corporate account, the articles of incorporation clearly show that XXXX XXXX IS THE SOLE OWNER, XXXX XXXX HAD NO INTEREST IN CORPORATION. Had this information been taken, as required BY LAW, and my ID also taken, this could have never happened. XXXX XXXX opened a corporate account without the sole owner of corporation being present, made himself a cosigner, forged my signature with the help of his friend XXXX and used this fraudulent account to steel hundreds of thousands of dollars. I was told that this was the account that I had tried to open at a different location but the paperwork was intercepted by XXXX and this account was substituted. My ex XXXX XXXX was very abusive and controlling. He never allowed me access to my accounts or books and managed to write fraudulent checks and post fraudulent withdrawals totalling almost 900k since XX/XX/XXXX. US BANK FRAUD DEPT MANAGER XXXX XXXX - phone number XXXX called to speak with my business partner XXXX XXXX today ( XX/XX/XXXX ) and told XXXX that check fraud and withdrawal fraud has a 30 day statute of limitations and that my claims were not valid and USBANK has no liability for allowing the fraud to have occurred. Not only is it illegal for XXXX to have cited such false banking laws but clearly an attempt to bully me into not pursuing a remedy that they are so clearly liable. This account was for a C Corp that was my XXXX XXXX that XXXX was never a shareholder or an officer of. It is a shame USBANK would support such shameless illegal activities to victimize its account holders. 100s of checks were even signed by people not even named as authorized signers on the fraudulently opened account. USBANK did not take the corporate shareholders id when opening account, forged signature, clearly didn't take the corp documents needed to open such account ( or would plainly see XXXX had no right to open account ) and allowed 900k to be stolen via these violations and worked with this criminal via XXXX XXXX XXXX ( former bank employee ) to commit the crimes. 

XXXX XXXX XXXX - ANOTHER ACCOUNT REPORTED TO CFPB HAS ALREADY ACKNOWLEDGED THE FRAUD AND RETURNED THE ILLEGALLY STOLEN FUNDS. 
XXXX XXXX - ANOTHER FRAUDULENTLY OPENED ACCOUNT VIA IDENTITY THEFT BY XXXX XXXX HAS ACKNOWLEDGED THIS TO BE FRAUD AND CANCELLED THE DEBT. THIS FRAUDULENT CARD WAS PAID BY THIS FRAUDULENTLY OPENED BANK ACCOUNT. 
XXXX XXXX XXXX- ANOTHER CARD OPENED BY XXXX XXXX   VIA IDENTITY THEFT HAS ALSO BEEN REPORTED TO THE CFPB AND THIS CARD TOO HAD BEEN PAID BY MY FRAUDULENTLY OPENED USBANK ACCOUNT. 

USBANK TO STOP STATING THESE ARE DUPLICATE COMPLAINTS AND TRYING TO USE ANY SLIMEY TACTIC TO HAVE THESE COMPLAINTS CLOSED. 
I AM TRYING TO KEEP FROM HAVING TO HIRE ATTY TO FILE IN FEDERAL COURT TO GET MY MONEY THAT USBANK ASSISTED IN STEALING BACK BECAUSE THEY HAVE ALLOWED SOO MUCH MONEY TO BE TAKEN FROM ME

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