Consumer complaint received 2025-01-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: CA

Complaint narrative:
Subject : Fraudulent checks written in the amount of {$26000.00} Company : US BANK I do not have an online account with US Bank. And I have never set up online banking with any company. The fraudulent check writing that took place on my account should have been prevented by US Banks protocols and procedures. I am XXXX XXXX XXXX and have never been very good at record keeping. Ive heard of a term in the financial world known as XXXX XXXX for people like me that have a very difficult time managing their finances. The loss of this money will cause great financial hardship. 

I have banked at my local neighborhood bank my entire life. Up until XX/XX/XXXX, my local bank was owned and operated by Union Bank. About this same time I set up a savings account for my monthly Social Security Checks. In mid XXXX, I received a letter from XXXX stating that my information might have been compromised. Because of this, I decided that I should change the savings account number where my Social Security Checks are deposited. I made this change in late XXXX. 

On XX/XX/XXXX, I arrived at my local US Bank to make a withdrawal from the savings account I set up for my Social Security checks. According to my record keeping there should have been about {$27000.00} dollars in the account. I was told that the account had virtually no money in it. The Client Relationship Consultant assisted me in determining what had happened to my money. We could easily see that all of my money had been withdrawn fraudulently. He then helped me fill out a Report of Alleged Unauthorized Activity-Customer Statement. In addition, I filled out a separate Affidavit of Unauthorized Paper Debit for each fraudulent withdrawal. We then filed a report with the FBI. He assured me that US Bank would refund my money. 

The fraudulent checks were amateurish and childlike. They were easily recognizable as fabricated checks. My signature was either typed or written inaccurately. 
Here are some examples using XXXX XXXX  Typed first name only and in script : XXXX  Typed last name followed by first name with no space XXXX  3. Unreadable scribble On XX/XX/XXXX, the official response from US Bank was stated as follows : US Bank has completed the investigation of your check claim on the above account. We regret to inform you that it has been denied for the following reason ( s ) : Customer Duty to Examine Statement - 30 Days. It seems suspicious to me that the fraud took place after I received the XXXX letter and changed my account number. 

A few weeks after filing my official complaint with US Bank, I had two very lengthy discussions about one week apart with US Banks National Fraud Department. I shared all of the information that Ive stated here. They were professional and empathetic. They both said that they would pass along my information with the Complaint Department that processes the claims. They both said they would facilitate the US Bank Complaint Department getting back to me. I havent heard back via mail, email or phone call. 

{$9700.00} has been recovered and redeposited in my new savings account. Between XX/XX/XXXX and XX/XX/XXXX, I received three letters from US Bank Deposit Claims Services informing me that although my claim was not found in my favor, US Bank is pleased to inform you that it has recovered {$2000.00}, {$3000.00} and {$4700.00} of the funds from the financial institutions where the funds were deposited. The total funds returned : {$9700.00}.

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 explanation