Consumer complaint received 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: U.S. BANCORP
State: TX

Complaint narrative:
Last year, I became a victim of identity theft. It all started in XX/XX/XXXX when a few friends and I were cleaning out my storage in XXXX, TX. A box with my financial records got tossed into the dumpster without anyone realizing it. At that time, fraudulent charges started appearing on my credit cards, and new accounts were opened in my name. The suspect, who I do not know by the name of XXXX XXXX, we will call him, retrieved the box from the dumpster. The suspect opened many accounts and put fraudulent charges on my credit cards. He also would call my credit card company and have the address changed. It has been a big mess for me. I have been dealing with this for well over a year now. The suspect also purchased two vehicles in my name. He was finally arrested in XXXX, Texas, in XX/XX/XXXX. This is where he owned up to getting the box full of my financial records out of the dumpster. This guy has been a nightmare for me. I have four accounts on my credit report that are fraudulent. They are affecting my credit score tremendously. Before XXXX, I had an XXXX on my credit. Now, it is a XXXX. I have always paid my bills. The fraudulent claims that are left on my credit report. US Bank, XXXX XXXX, XXXX, and XXXX XXXX XXXX XXXX US Bank I have disputed several times, and they keep coming back and telling me I am responsible for the total amount. The US Bank Card had a XXXX balance before the year XXXX. It went into XXXX with a XXXX balance. The balance of this card is {$7200.00}. I did not put any charges on this card in XXXX. You can tell how the suspect got into this account we are discussing here is the address. When he purchased the first truck in my name, the police discovered the address he was using when he bought the car, and he used the same address when he changed the address on my credit card. What is funny is that I asked US Bank for a copy of my billing statements for the year XXXX. When I received the copies, I noticed the same address was on the billing statement. That address is also on all three of my credit reports, and his last name is on them. The address is also on the police report. Still talking about US Bank, the suspect opened up other accounts with US Bank in XXXX. US Bank worked with me on these accounts, credited me back, and closed them. However, for the account I opened in XX/XX/XXXX, every time I disputed it, they sent me back a letter stating that I was responsible for the total amount. They have now turned it back over to the bill collector. I have until XX/XX/XXXX to dispute it. I am tired of this and don't know what else to do. Now, moving on to XXXX XXXX, I have the same problem with them as I do with US Bank. Every time I disputed it, they would send me a letter stating that I was responsible for {$13000.00}. I also asked for all the billing statements for XXXX and have yet to receive them. The suspect also opened up other accounts with XXXX XXXX  in XXXX and cleared my name. XXXX cleared my name of the fraudulent charges that had a balance of {$16000.00}. But I am still waiting for them to take it off my credit report. XXXX XXXX XXXX, I have not had a chance to research or dispute that one. It has one late payment on it. Last year, when all this started, I signed up for XXXX XXXX. They helped me dispute a lot of the fraudulent charges. I will send a police report also. Thank You for taking the time to review my case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief