Consumer complaint received 2024-03-02
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: U.S. BANCORP (TX)

XXXX The Department of Public Safety identified fraudulent activity that resulted in my driver 's license card being sent to a remote location in Oklahoma by an unauthorized party without requiring audit numbers ( XXXX. ). The notification letter was then sent to the affected individuals. The following criminal investigation has identified the group as a " XXXX crime organization '' that operates trans-nationally. 

XXXX XX/XX/XXXX A New credit card was opened at the U.S. Bank National Association without authorization . The fraudulent address used to issue a credit card is believed to be XXXX XXXX XXXX XXXX, IL XXXX. Fraudulent phone numbers ( XXXX XXXX XXXXXXXX ) and security questions ( For instance, the perpetrator did not know my mother 's maiden name ) were used. 
XX/XX/XXXX A U.S. Bank National Association checking account was opened without my authorization with a minimal deposit. According to the credit report, the perpetrators made minimal monthly payments from XXXX to XXXX. 
XX/XX/XXXX - XX/XX/XXXX The credit line was then increased to $ XXXX and maxed out at {$9400.00}. I have never resided in or visited the state of Illinois or any other place in those transactions. 

I am also attaching my other credit card expenditures during this timeline, for which my wife is an authorized user, in hope to provide information about our locations and spending patterns. Please see XXXX. 
In addition, my wife and I were both full-time students in the middle of sub-internships at a local culinary school and medical school during this timeline, which would make these purchases in other states improbable and unreasonable. These institutions will provide you with evidence of attendance during this timeline. 

XXXX XX/XX/XXXX Texas DPS at XXXX issued a corrective measure to the affected driver 's license. I was first informed about the security breach and was told that about XXXX individuals were affected. This was also the first instance that I noticed a significant change in my credit score. 
The U.S. bank started its investigation on XX/XX/XXXX ( Ref. XXXX ). 
The incident was filed at the credit bureau on XX/XX/XXXX ( XXXX XXXX. XXXX ). 
A police report was filed to the XXXX XXXX XXXX XXXX police ( Case XXXX ). 

XX/XX/XXXX XXXX, the fraud investigator at U.S. bank, denies the fraud application claim for the following reason : Does NOT qualify as unauthorized thrid-party fraud. No correspondence from the fraud investigator since the submission of the fraud application. I have made multiple attempts to reach her by phone but was told that she had reached out once by calling the number that the perpetrator used ( with the area code XXXX ). No detailed explanation is given by phone or mail. No appeal process is explained by the fraud investigator or the US bank itself. 

XX/XX/XXXX U.S. Bank certified to XXXX while the checking account is fraudulent, but the issued credit card remains accurate despite them performed by the same perpetrator.