Consumer complaint received 2020-03-02
Company: U.S. BANCORP
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I would like to start out by saying that this has been a long on-going process with US Bank as our account with them was apparently opened in XXXX ; according to their records. About three years ago my wife asked me what the charges were from and who opened the US Bank account. I told her I thought she had opened the account/credit card and she said no. I explained to her that I don't remember opening the account and don't remember ever using their credit card as we had canceled/closed the account several years ago when my wife started questioning who opened the account. 
Around the XXXX of XXXX, XXXX my wife asked me to call USB and inquire about the charges and who opened the account. NOTE : my wife has been calling USB on and off for at least for the past three or four years asking them the aforementioned questions but they would not communicate or discuss the account as her name was not the person that opened the account -- they said it was me but they never indicated that all she had to do was put me on the phone and I would give them permission to talk to her. So, I called them and ask them to provided me with a list of the charges with dates and to send me a signed copy of the application of the credit card with my name on it along with the charges. 
The first lady I spoke with was very nice but after looking everything up she could not find anything except we had supposedly opened the account around XXXX. She said I had to talk to a different department and put me on hold. 
Next up was a gentleman that said he could see the charges but didn't know what they were for and I said fine but could he send me a list of the charges along with the dates plus my signed application and he said he would do. -- -- I have yet to receive anything except a letter saying that if we believe our account has been compromised we needed to contact their Fraud Department and submit an inquiry. 
They provided the phone number and I called them. After speaking to them and going over all this the folks at the fraud department said they would investigate the claim and get back to us. 
About two weeks later we received a call from them with the lady saying she didn't see any fraud as we have been paying on the account for the past ten years and we had opened the account because that's where the bills are being sent to. I asked her to provide me with the signed application document and she said that it had all be done online. I asked her did the company not require a signed application and she did not answer, just saying that the bills were coming to our address and that was it! 
It is of my belief that this company has committed an act of fraud as they can not provide me with my signed application or any charges that have been made. We have paid this company at a minimum over {$6000.00} during the past 10 years and I want my money back!

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