Checking or savings account -- Opening an account -- Complaint #12727599
Complaint Overview
Complaint ID: 12727599
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened without my consent or knowledge
State: Illinois
ZIP Code: 60516
Date Received: 2025-03-29T12:00:00-05:00
Date Sent to Company: 2025-03-29T12:00:00-05:00
Company Response: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
XX/XX/year> I had received a call from an automated message saying my card, ending in a specific XXXX numbers, had suspicions activity on it. I Ignored because I had no cards matching that number and thought it was a spam call. XX/XX/year> I get home from work and get the mail. In the mail i find information and a card linked to an account from US Bank that I did NOT open on XX/XX/XXXX. I have not banked with US Bank once. I call the bank immediately and report that the account is not mine, i did NOT open it. The banker asked me some verification questions like name, address, SSN and they did indeed use my name, social security number, & address to open an account. But they did use another phone number and email to create the account. He then told me that the account was opened at a branch off of XXXX, which is only a couple miles from where I lived. He then told me that the account would be on lockdown and they were to do an investigation and get back to me. I then contacted to the police to report identity theft and was told to go to the bank to find out what's happening. I then proceed to the bank with my fiance. After asking for the XXXX we sit down with her and I explain the situation. As I'm explaining and asking questions about what is going on she's sitting on her computer on XXXX sending messages to people, I can see the screen where I'm sitting. She the proceeds to tell me that indeed my identity was taken but i had misinformation about how the account was opened and that it was " opened online ''. She proceeds to tell me that anyone can open an account but they do not need to show proof of identification when opening an account and they don't need to verify their identity until having the account for XXXX months. She also tried showing me on the computer as i then again saw her messaging on XXXX before getting in contact with someone about my account. I then ended the conversation receiving no answers to anything but rather more questions to what's going on at US Bank. I then have to proceed to lock everything down and buy special protection for my identity. XX/XX/year> I have not heard anything back.
Frequently Asked Questions
What is Complaint #12727599 about?
Complaint #12727599 was filed against U.S. Bancorp regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2025-03-29T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with non-monetary relief". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against U.S. Bancorp?
Yes, visit the U.S. Bancorp company profile at readthecomplaint.com/company/u-s-bancorp to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.