Consumer complaint received 2024-07-15
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: U.S. BANCORP (ID)

Back in late XXXX, I discovered unauthorized charges on several of my credit cards. This was after the XXXX XXXX XXXX, which I was a victim of and have a claim XXXX I also had to shut down my checking account due to a fraudulent recurring electronic charge. When I reported this to US Bank Initially, I learned the statement address had been changed and a suspect had been using my credit card as their own. This was after I put the card away and was no longer using it. This went on for a period of time because I did not know it was happening. I reported it to US Bank and wrote them XXXX letters trying to get them to investigate. The only thing they would tell me is they thought it was linked to a family member. I had not given anyone permission to use the card nor did it have any authorized users. I heard nothing from US Bank for years, then in XXXX, they began to attempt to collect the debt, by calling and sending letters. Each time I told them the charges were incurred by Fraud. In XX/XX/XXXX a collector again called. I told them again, I was not responsible for the debt and would not pay, that it was Fraud. At that time, the collector sent the case back to US Bank Fraud department. US Bank said they looked into my case. I gave them the same information, that the debt occurred by Fraud, and they confirmed the statement address had been changed back in late XXXX or early XXXX. I spoke a Fraud Investigator and told her no one had permission to use the card or make the charges. US Bank denied my case this time saying the card was used by someone I gave authorization to and that I failed to tell them the person was no longer authorized. That was totally untrue! I have told US Bank from the first day I discovered it that a Fraudster was using my card without my knowledge or permission and the charges were not made by me. I lived alone at the time this happened. I tried to file a local police report but they were not investigating cases under a loss of {$25000.00}. I did file a police case with the FTC on advice of XXXX XXXX team and have taken steps to stop collection on the account. I have given US Bank proof that someone other than a family member could have easily committed the Fraud but they refuse to remove the debt. I have told them there is more evidence indicating it was not a family member ( someone used my info to open a checking account in XXXX XXXX where I have never lived, and local police arrested someone who was in possession of a check I had mailed in a mailbox XXXX miles from my home, my being a victim of the XXXX XXXX XXXX, all occurred right before the account was hijacked ). US Bank was not interested in seeing the police reports for those incidents. I am tired of trying to convince this bank that the Debt is not mine and I will not pay for what I did not do. I have sent them a copy of the police report and letter to stop attempting to collect from me. XXXX of the XXXX credit Bureaus have removed the entry, I am waiting on XXXX. I have disputed XXXX Banks entry on my credit file many times over the years but US Bank tells XXXX its a valid Debt when it is not!! I have given US Bank letters from the other creditors that investigated and found my cases were fraud, a letter from my credit union that I had to shut down my checking account due to fraud at the same time period and my XXXX data Breech claim number. I sent the FTC police report and other supporting documents yet they still do not rule in my favor. I offered the police report about my stolen check but US Bank was not interested in it. I have done everything possible and will not be responsible for what I have not done. I have asked them for proof that a family member was responsible but they give me none. Its their suspicion only, they have no direct evidence yet they still want to hold me accountable, that is wrong.