Consumer complaint received 2018-07-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: U.S. BANCORP (TX)

I believe that my credit card account was tampered with and my payments have been fraudulently applied to telecommunication services that I had not authorized on my credit card account. I found it to be suspicious that my statement states the following under the Late Payment Warning : If we do not receive your minimum payment by the date listed above, you may have to pay up to a {$0.00} Late Fee. I had called the XXXX credit counseling services in XXXX at XXXX and set up installment payments of {$170.00} per month to be drafted out of my XXXX XXXX XXXX account that I had opened after I closed my XXXX accounts. I have received second hand information the payment was being applied towards one of the telecommunication companies that I have listed below to keep services opened in my name that others were fraudulently using without my knowledge or permission that then aided in doing the external transfers from my bank accounts without my knowledge. Please see the report listed below associated with the fraud : I opened my accounts a XXXX in XX/XX/XXXX. I had a checking account ending in XXXX, savings account ending in XXXX, and a business account ending in XXXX. I closed the business account in XX/XX/XXXX because I decided it was not needed for my XXXX XXXX job as an XXXX. However, after a burglary at my apartment at the XXXX XXXX  XXXX XXXX I had to close my original checking and savings account because of some financial documents that were stole that compromised the security of my account. One of the documents being the signature page to add authorized signers to my bank accounts. I reported this to the XXXX Police Department and my renter 's insurance agent, XXXX. I then opened my new checking account ending in XXXX and new savings account ending in XXXX. I continued to bank there think these were the only two accounts opened. But in XXXX I started to move every 6 months and every time I did a change of address on my bank accounts I would receive notice in the mail stating my address was changed but it was also referencing accounts that I had closed due to the burglary. These accounts were kept opened by the people that broke into my apartment and added themselves to my account as an authorized signer. They used my accounts to deposit embezzled money from a fraudulent insurance claim from a XXXX XXXX XXXX XXXX purchase for a XXXX XXXX. The funds were from the secondary insurance company financed into the vehicle whose bank was located in XXXX. The transfer of funds were being made possible through an old sprint account that had access to XXXX XXXX that I had closed but was reopened without my knowledge after I paid the early cancelation fee with my original checking/ debit card account ending in XXXX. When I questioned the bank about the updated addresses on the closed accounts I was told again the accounts were closed. I asked for a statement documenting the closed status on the accounts, but they would only print off a statement that showed a XXXX balance, but nothing that reflected the closed status. When I would speak with the branch managers they told me they could not provide me with the document that I asked for because there was no such form they could provide me. I asked for them to type a letter then stating those accounts were closed and they said their legal department would not allow that. I started to suspect suspicious activity at the bank and felt they were knowingly aiding in allowing my accounts to be used by someone other than myself. I then closed checking account ending in XXXX and savings account ending in XXXX in XX/XX/XXXX. However, all five of  these accounts were affected through telecommunication fraud that were being used in fraudulent medical scams. I received second hand information it was settlement money and a trust fund that were placed in these accounts that was never aware of that was awarded to me and was stolen through medical scams. Please see below for the following ic3.gov, FCC, and connected CFPB reports associated with XXXX and the unauthorized external bank transfers that were being done without my knowledge. 

FCC XXXX # XXXX ic3.gov XXXX # XXXX FCC XXXX XXXX XXXX FCC XXXX XXXX # XXXX ic3.gov XXXX account # XXXX FCC XXXX # XXXX iC3.gov XXXX XXXX FCC XXXX XXXX # XXXX iC3.gov XXXX FCC XXXX XXXX # XXXX iC3.gov # XXXX My XXXX credit card ending XXXX has also been tampered with and my monthly payments have been fraudulently applied to the above referenced a telecommunication service that others have been stealing in my name that I have reported in the XXXX reports that should not be opened because I have closed all of them due to fraud. 

These telecommunication fraud/crimes have also affected my bank accounts that I have opened since I left XXXX. External transfers have illegally been taking place without my knowledge while other individuals have been operating out my accounts after I open them and keep committing the same scams and crimes over and over again. Please see the following CFBP reports. 

XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX XXXX CFPB # XXXX