Consumer complaint received 2023-05-19
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP (MN)

U.S. Bank did not answer any of my Questions or Concerns in reference to Complaint ID XXXX Complaint ID XXXX Response to letter dated XXXX XXXX  from U.S. Bank 1 ) U.S. Bank keeps saying I knew about fraud account XXXX since XXXX  but did not report a fraud report until XXXX. Can U.S. Bank please provide any evidence that proves I knew about the fraud since XXXX? 
Response to XXXX ) Once again I did not discover the Fraud until XX/XX/XXXX. My documentation I provided are emails with XXXX XXXX Department asking them to find the full account number ending in XXXX b/c U.S. Bank stated they could not help me or provide me any information unless they had the full account # XXXX. Once XXXX provided the full account # for XXXX in XX/XX/XXXX, I did a little more investigation and then filed a Police Report in XX/XX/XXXX stating I only had 1 checking account with U.S. Bank, which is acct ending in XXXX. NOT XXXX. A statement that U.S. Bank provide to me shows DOA acct XXXX with the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX, this is the same address that was on a statement for CC XXXX judgment. My only U.S. Bank checking account XXXX has my XXXX, IA address on it. U.S. Bank States since I knew the ID Thief, U.S. Bank claims it is not consider ID Theft? I don't understand how that is not ID Theft? I filed a Police report soon after I discovered the Fraud. 

XXXX ) U.S. Bank states the judgement issued against me was from XXXX XXXX XXXX not U.S. Bank- U.S. Bank was the original creditor of the judgement. 
Response to XXXX ) I already provided the judgment dismissal that shows U.S. Bank was the original creditor from the judgement. The judgment dismissal is a legal document that clearly shows and states the judgment was dismissed for evidence of fraud and forgery with XXXX XXXX that originated from U.S. Bank. When I was looking into the judgement, I found XXXX  acct XXXX also in XX/XX/XXXX. I reported this right away to the XXXX Police Department and it's in my Police Report. How is this not a fraud? 

XXXX ) U.S. Bank States I did not provide any new documentation -- U.S. Bank stated the judgement was never made by U.S. Bank. 
Response to XXXX ) I provide the dismissal papers from the judgement showing U.S. Bank was the original creditor. What else does U.S. Bank need? 
XXXX ) U.S. Bank states my claim that U.S, Bank told me of a personal Loan I took out in XXXX of XXXX does not exist. 
Response to XXXX ) How can U.S. Bank tell me I took out a personal loan in XXXX  XXXX  and paid it in full, and tell me they can not release any information to me unless I get a subpoena? U.S. Bank no claims theres no evidence at all to prove this personal loan ever existed or that I paid it. Why would U.S. Bank tell me this? 
XXXX ) U.S. Bank states there's no documentation for Acct XXXX, XXXX, and the personal loan " I took out in XX/XX/XXXX '' Response to XXXX ) If your not able to prove XXXX account belongs to me, or that I even opened it. then it should be accepted as a fraud claim just like XXXX. XXXX was opened and used at the same U.S. Bank Branch and linked to XXXX. How is this not Fraud? 
Response to XXXX ) - I understand it's already been dismissed for EVIDENCE OF FRAUD AND FORGERY. I was never reimbursed for my expenses, time, and for the 8 years it was reported on my credit report. I sent demand letters, request for expenses, etc. 
Response to Loan taken out and paid in full in XXXX XXXX  ) Why would U.S. Bank tell me I took this out and now stating it never existed?