Consumer complaint received 2023-02-07
Company: U.S. BANCORP
State: OR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
XXXX - Id theft and account takeover of USBank XXXX card + other cards/accounts. This dispute is regarding the US Bank XXXX card. I had an original owed balance of {$1900.00}. After the fraud the balance went up to {$7300.00}. 

XXXX - I created FTC Id theft report # XXXX, filed a police report with the city of XXXX, Oregon, reported fraudulent activity to USBank, sent police report & affidavits to US Bank upon their request XXXX - US Bank flagged my account as fraudulent but did not remove {$5700.00} in fraudulent charges. Upon my phone call USBank said the case was " resolved '' but it still posted the {$5700.00} as owed by me. US Bank reinstated the monthly auto withdrawal of {$480.00} on my personal checking to pay the {$5700.00} which I didn't owe ( + original {$1900.00} ). 

XXXX - XXXX Several phone attempts by me to have USBank stop the auto withdrawal of my personal checking account. The account was flagged so customer service couldn't get in to stop the auto-withdraw and they would send me to Fraud Dept . The Fraud Dept would say they don't have anything to do with billing and I needed to talk to Customer Service. I tried to log in to USBank but the account was locked. Tech support at USBank couldn't do anything because the account was flagged as fraudulent. 

At their request I sent ANOTHER copy of police report, affidavits and all my notes, evidence. 

I ended up having a " stop payment '' put on the by my bank, XXXX XXXX XXXX XXXX, but not before they collected several months of {$480.00} payments ( an on amount due which was fraudulent ) XXXX - XXXX - In dispute with USBank regarding amount due. Once I stopped sending them money, they started looking at my account again to resolve it. In XXXX I received letter that the {$5700.00} was credited to my account. I was still disputing {$650.00} in charges due to them withdrawing money from my checking as well as other smaller fees incurred by me canceling the auto-debit at my XXXX XXXX XXXX 

XX/XX/XXXX - Spoke with XXXX - a USBANK supervisor in Customer Service who handles Fraud and he escalated me to the Operations Manager. I told him I am happy to pay on the original {$1900.00} that I owed and nothing more. He said USBank would begin billing me and we both agreed to use regular mail to circumvent all the previously stated issues. 

XX/XX/XXXX - I received a letter from XXXX XXXX Debt Collection representing USBANK! I never received any communication from USBank after my conversation with them XX/XX/2021. I did not know my account was being sent to collections! 

So, with XXXX I agreed to start monthly payments of {$150.00}. That account is running and is current. I did NOT know this would be called a " charge off '' and I did not know how negatively it would affect my credit report. 

FTC IDENTITY REPORT # XXXX XXXX XXXX I HAVE APPROX XXXX PAGES OF NOTES, RECORDS, POLICE REPORT, AFFIDAVITS, BILLS & COMMUNICATIONS FROM USBANK AND OTHER CREDIT CARD COMPANIES INVOLVED IN THIS CASE.

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