Consumer complaint received 2020-06-29
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: U.S. BANCORP (WA)

I failed to mention this in my previous report about XXXX XXXX. so please read that report first. In XXXX when I opened my XXXX account they opened me an account at US bank I later received a credit card attached to that account.. I paid on the card but no matter what I did fraurdulent charges came on the card.. when I went in the bank to resolve the issue they could not verify me because I had no ID this was approx. XX/XX/XXXX as I was attempting to leave the person who was abusing me. They told me I had the wrong card that was attached but would not explain it to me. Later a supervisor Mr XXXX told me XXXX XXXX  was committing fraud against me. I asked what I had paid so many times for my credit card if it was not the one I showed them.. They have never answered.. In XX/XX/XXXX they told me the account was closed when I asked about accessing the funds because I had escaped the area. I discovered in XX/XX/XXXX the account was still open and they needed me to agree to a statement about my trade lines.. I stated I could not agree I had no idea what a trade line was. I had gone to US Bank after XX/XX/XXXX to open my new account with my new name and new SS number.. I did not give then any old information. the very first transaction on my account was fraudulently done by them. They charged my account for internet before I even know my own new address or been approved for my apartment.. They stated my account was opened one XX/XX/XXXX XXXX and that I went to XXXX   that same day.. when visa card services did there investigation they discovered it was fraud. After that US Bank withheld my SS telling me it was not there and I was unable to pay my rent when in fact it was there and my and the local crisis response people verified it was and the trusure said my funds were there.. The local crisis response people had to call and take me there and force US Bank to release my funds to me.. after that they said my account was closed but continued to send me certified checks each time stating my account was closed.. Finally a customer service worker told me I had several accounts and that US Bank had closed my old accounts unautherized by me but was my money that was stolen from I believe my insurance policy XXXX  and I had no idea where the funds had gone.. But US Bank closed the old accounts by updating them with my new identity so they could get them closed.. US Bank used my new identity before I did and then tried blaming me saying I must have got the date wrong.. I finally said this is the exact thing the man who abused me does it is called gas lighting and it is a form of abuse that for someone like me it is the worst from of them all.. I attemted repeatedly to resolve this issue and until there own fraud dept said the charges where fraudulent.. After that I requested the documentation for discovering it was fraud and they have not given it to me yet and it has been 6 months.. Now after 4 certified checks according to them to close one account they are now saying I owe them a debt..Lastly I have now been informed not only have they taken my insurance funds fraudulently but they received XXXX XXXX dollars from the state of Ne in my name that I never knew about also have said horrible things about me in my new community which I now again will have to relocate.. but am unable to due to financial reasons and this will be my 4th move in a year and a half..Also I have a line of credit for a home purchase and I believe they used me saying yes by telling me they where my daughter when I received an email in XXXX or XX/XX/XXXX .. US bank XXXX it said .. I had asked if it was XXXX because I was trying to contact my daughter to let her know my intentions of leaving there.. I told her to email me and I thought she was disguising herself I then asked the emailer if they where her and they replied yes.. after that I wrote the email address begging her to speak to me believing she thought I had abandonded her and hated me.. I also told her to write me at the local DHSH office food stamps and to leave me a message there if she could not reach me.. I disclosed her medical information by telling her to include it in her emails and stae so and she would be protected by HIPPA I had no reason to believe that US BANK could act in this manner so I believed it was her and feel ashamed for being ignorant and heart broke for my daughter that I disclosed a HIPPA right that is in a class requiring special protection I can let her personally tell a CFPB personal over the phone what I disclosed but I can not list it here