Consumer complaint received 2023-05-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: MN

Complaint narrative:
U.S. Bank did not answer any of my Questions or Concerns in reference to Complaint ID XXXX Complaint ID XXXX Response to letter dated XXXX XXXX  from U.S. Bank 1 ) U.S. Bank keeps saying I knew about fraud account XXXX since XXXX  but did not report a fraud report until XXXX. Can U.S. Bank please provide any evidence that proves I knew about the fraud since XXXX? 
Response to XXXX ) Once again I did not discover the Fraud until XX/XX/XXXX. My documentation I provided are emails with XXXX XXXX Department asking them to find the full account number ending in XXXX b/c U.S. Bank stated they could not help me or provide me any information unless they had the full account # XXXX. Once XXXX provided the full account # for XXXX in XX/XX/XXXX, I did a little more investigation and then filed a Police Report in XX/XX/XXXX stating I only had 1 checking account with U.S. Bank, which is acct ending in XXXX. NOT XXXX. A statement that U.S. Bank provide to me shows DOA acct XXXX with the address of XXXX XXXX XXXX XXXX XXXX, IA XXXX, this is the same address that was on a statement for CC XXXX judgment. My only U.S. Bank checking account XXXX has my XXXX, IA address on it. U.S. Bank States since I knew the ID Thief, U.S. Bank claims it is not consider ID Theft? I don't understand how that is not ID Theft? I filed a Police report soon after I discovered the Fraud. 

XXXX ) U.S. Bank states the judgement issued against me was from XXXX XXXX XXXX not U.S. Bank- U.S. Bank was the original creditor of the judgement. 
Response to XXXX ) I already provided the judgment dismissal that shows U.S. Bank was the original creditor from the judgement. The judgment dismissal is a legal document that clearly shows and states the judgment was dismissed for evidence of fraud and forgery with XXXX XXXX that originated from U.S. Bank. When I was looking into the judgement, I found XXXX  acct XXXX also in XX/XX/XXXX. I reported this right away to the XXXX Police Department and it's in my Police Report. How is this not a fraud? 

XXXX ) U.S. Bank States I did not provide any new documentation -- U.S. Bank stated the judgement was never made by U.S. Bank. 
Response to XXXX ) I provide the dismissal papers from the judgement showing U.S. Bank was the original creditor. What else does U.S. Bank need? 
XXXX ) U.S. Bank states my claim that U.S, Bank told me of a personal Loan I took out in XXXX of XXXX does not exist. 
Response to XXXX ) How can U.S. Bank tell me I took out a personal loan in XXXX  XXXX  and paid it in full, and tell me they can not release any information to me unless I get a subpoena? U.S. Bank no claims theres no evidence at all to prove this personal loan ever existed or that I paid it. Why would U.S. Bank tell me this? 
XXXX ) U.S. Bank states there's no documentation for Acct XXXX, XXXX, and the personal loan " I took out in XX/XX/XXXX '' Response to XXXX ) If your not able to prove XXXX account belongs to me, or that I even opened it. then it should be accepted as a fraud claim just like XXXX. XXXX was opened and used at the same U.S. Bank Branch and linked to XXXX. How is this not Fraud? 
Response to XXXX ) - I understand it's already been dismissed for EVIDENCE OF FRAUD AND FORGERY. I was never reimbursed for my expenses, time, and for the 8 years it was reported on my credit report. I sent demand letters, request for expenses, etc. 
Response to Loan taken out and paid in full in XXXX XXXX  ) Why would U.S. Bank tell me I took this out and now stating it never existed?

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