Consumer complaint received 2017-08-25
Company: U.S. BANCORP
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have been reporting fraud charges to US Bank that have occurred repeatedly over the past 16 months. This occurred with five cards. Four of the five were US Bank cards ( one personal checking debit, one business checking debit, one business credit card and one personal credit card. The fifth card was with XXXX XXXX ( a personal credit card ) and they have been responsive and making efforts to reverse the charges. I have filed several reports with US Bank, met with bankers, spoke with branch managers, spoke with the corporate fraud department, and finally, two superintendents in the fraud department. Each time, I was starting over with each representative because they told me that they do n't have the adequate information to process the cases. What little was processed, was mostly reversed and they charged it back to my cards. 
These transactions were obviously fraudulent. They did not match my spending habits. 
The suspect was repeatedly doing ATM transactions from my credit cards, often times on a daily basis, for the max of {$500.00} each time. I was in the hospital for extended lengths of times on various occasions and I can prove that it would not be me making those withdrawals. I have submitted a police report, statements with the fraudulent transactions highlighted, a break down of when I was an inpatient in the hospital and the police have videotape of the suspect. He is also being suspected as the person who broke into my home, stole my car and my mail, as well as opening a credit card in my name from a " pre-approved '' application. 
This fraud is currently exceeding $ 32K and the bank not only is refusing to deal with me on these claims, they already shut down my debit and credit cards ( without notifying me ) and then they sent me a certified letter today letting me know that they are closing down my accounts completely and they will no longer do business with me. This is a bank where I have done reputable business for over 15 years, without any previous issues. 
My most recent communications were with " XXXX '' in US Bank corporate fraud department at XXXX XXXX in late XXXX and then I was later referred to a " XXXX '' at XXXX XXXX. The main number for the fraud department is XXXX. I have also followed up with my local branch office in the past two weeks with XXXX XXXX, XXXX XXXX ( both supposedly branch managers in the XXXX XXXX, MN office ) and XXXX XXXX. All were unable to assist me further. I also contacted " XXXX '' in the XXXX branch in XXXX. He is now out of the country, so nothing has been accomplished with that either. 
I completely disgusted that the bank never made an effort to contact me when they suspicious charges started occurring. When I was in the hospital, I was unable to closely monitor my accounts. These transactions have also cost me withdrawal fees, overdraft fees and an enormous amount of interest. Not to mention that it has drained me financially and it has ruined my credit score. I need some assistance with resolving this matter.

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