Consumer complaint received 2022-12-20
Company: U.S. BANCORP
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
As of XXXX, I began to notice some fraudulent activity on my checking account. It was then that I notified my bank by way of physically going into the bank as well as by calling the fraud department as they had suggested. After doing I disputed several transactions that were not familiar to me and was told that I would be issued a provisional credit and after receiving the documents in the mail, I should fill them out and return them to the address enclosed. After doing so, without warning the provisional credits were reversed from my account causing a negative balance and always coincidentally close to the date of my direct deposit, leaving my account without any funds causing me to overdraw my account in order to buy basic necessities for the month. This has continued and still continues. Upon requesting evidence to support the allegations that the disputed atm/debit card transactions were performed by myself and/or my wife because the patterns of use and the places that were used to withdraw funds from the atms etc. were consistent and that the photos that they had in their possession were the same people in all of the photos!!! I have called them and requested the documents that they claimed to have to support their findings and they informed me that they were not able to release that information. That says to me that they know me and what I look like and that isnt true. 
After conducting my own research I have learned that XXXX XXXX has had a data breach/hacked leaking personal information and has also been fined by the federal government for opening accounts in customers names using their personal information without their consent. When the breach occurred in XX/XX/2022, is exactly the same time that the fraudulent activity soared and the fraudulent transactions and other fraudulent activity such as fraudulent account numbers appeared on our accounts. I have recorded conversations between individuals and myself and many of them dont appear to be legitimate conversations with legitimatXXXX XXXX XXXX employees. I have screenshots of my account that have account numbers and information that suggests that someone has hacked into my account and opened an investment account in one or both of our names. After inquiring about the account numbers that were listed on my account both at the bank and by calling the fraud department, I can not get a straight answer and I have been unable to find the appropriate department to get an answer. Since XXXX, I have had to question many transactions that have occurred on my account and after being given the provisional credits the same pattern of reversal of funds continues many of which I have not been given an opportunity to submit documents in support of my claim of fraud! I am sure that the evidence that I have in my possession is indicative of fraud and unauthorized access to my accounts!

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 monetary relief