Consumer complaint received 2015-10-09
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have been attempting to resolve a dispute with US Bank directly and via third party mediation for consumer protections because US Bank to this date has generated fraud with a checking account that goes to me personally and is used partly for personal purposes, that they refuse to comply with dispute requirements and keep generating a different false claim regarding to the point of stalking me personally with the up to XXXX a day contact from US Bank or third persons contacted by US Bank with a different false claim from the prior list. 

All the claims have in common is a demand that cash only be delivered to a XXXX XXXX XXXX of the XXXX XXXX IL US Bank location who per the documentation is also reasonably expected not to credit the account if I did, and the amounts and other demands have not been made in an invoicing or other specific document requesting payment by amount. 

Payment by deposit to the account was blocked from the outset on XXXX/XXXX/15. 

The account had overdraft protection with a credit card I paid and closed.9/5/15 due to the continual harassment and that US Bank keeps XXXX XXXX many different stories and claims that its impossible to pursue consumer credit dispute. 

Because US Bank continues to generate different false claims which makes it impossible as intended to pursue dispute externally. I attempted to pursue a dispute with ChexSystems immediately but the claims of US Bank keep changing and the flood of paperwork with all those claims is something snowing everybody and so we can not pursue dispute with credit reporting agencies. 

US Bank in fact reported the account as closed " for suspected financial irregularities '' to ChexSystems long before the account was closed, within a week or so of the XXXX/XXXX/15 manual adjustment, and while I was attempting to resolve the dispute through even XXXX persons. 

They have now charged off the account amounts which goes to me personally, while I have attempted dispute via CFPB or the BBB of MN. 

This action was announced to the BBB MN as how they responded to attempting to resolve the dispute. 

At this time in midOctober of 2015, US Bank has failed to issue any claim about this dispute it has n't changed immediately again starting with the original false claims of XXXX/XXXX/15. 

I have never met XXXX XXXX XXXX, do not live in XXXX XXXX IL, and did no business with that local branch whose ATM never worked either, forcing DepositPoint and otherwise depositing checks in working ATMs elsewhere. 

She has falsely claimed otherwise to US Bank, and is pursuing me personally and externally so massively repetitively that she is and continues to shut down operations, interfere with health care, and wipe out my personal life snowing with this fraudelently created debt that has been already reported everywhere possible externally as the only agenda US Bank has pursued, starting to do so within 7 days. 

Without presenting a single coherent claim about this dispute about a single check that cleared the bank XXXX in 3-5 days after it was deposited, and per DepositPoint records was deposited productively once. 

The employees involved keep trying to block me from payments and block deposits, which as an issue only the maker of the checks has the right to raise. 

They keep falsely claiming to " represent '' people I have regular near daily contact with. 

I then can not pursue even paying the dispute, and the persons who opened this are continuing to go after me personally financially and otherwise. 

My credit is being destroyed. 

I have no personal or other consumer rights I can pursue because US Bank continues to change its story and conduct this " dispute '' as the libel and vandalism and fraud entertainment of the century. 

I am also being buried alive as a person attempting to resolve the debt since XXXX/XXXX/15 harassed so severely its become dangerous to safety personally.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief