Checking or savings account -- Managing an account -- Complaint #8397640
Complaint Overview
Complaint ID: 8397640
Company: U.S. Bancorp
Product: Checking or savings account
Sub-Product: Checking account
Issue: Managing an account
Sub-Issue: Deposits and withdrawals
State: Minnesota
ZIP Code: 55406
Date Received: 2024-02-21T12:00:00-05:00
Date Sent to Company: 2024-02-27T12:00:00-05:00
Company Response: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Tags: Older American
Consumer Narrative
XX/XX/24 met with XXXX XXXX XXXX XXXX MN to report pursed and ID stolen and {$5700.00} withdrawn from checkcing account XXXX to start fraud investigation. Copy of police reprots provided and checking acct XXXX was frozen. this investigations is still in progress and US bank has not provided me with further information. a new acct XXXX was opened Fraud on new checking account XXXX, despite a fraud alert placer XX/XX/24 : On XX/XX/24 at XXXXXXXX XXXX the criminal suspect went to US Bank XXXX in XXXX WA presumably with my passport card presumably altered with a new picture and my full SSN and a check forged from account of XXXX XXXX ( lives in XXXX CO, her bank XXXX XXXX XXXX XXXX ). I have copies of the check. They presented a her check # XXXX for {$3200.00} and made {$800.00} deposit in to my NEW USBank checking account last XXXX XXXX and were given cash back for the balance. When the check went to XXXX XXXX account it bounced because the account was closed. My account was then debited from my account listing reason as returned item from a previous deposit for the full amount {$3200.00}. I was able to view this online the eve of XX/XX/24. The branch manager is XXXX XXXX phone XXXX. I have not talked to her yet. Despite extensive fraud alert on my account the criminal suspect was able to get access to my new account because of a deposit and cash back scheme. When I talked to US Bank Corporate Fraud help line on XX/XX/24 at noon they indicated the teller did not take necessary precautions Fraud on frozen checking account XXXX, despite fraud alert placed XX/XX/24 : On XX/XX/24 at XXXX pm the criminal suspect went to US Bank Branch iXXXX XXXX XXXXXXXX WA with my passport card- presumably altered with a replacement picture- and SSN and a check forged from account of XXXX XXXX ( lives in XXXX CO, her bank XXXX XXXX XXXX XXXX ) . Check number XXXX. I have copies of the check. They presented a check for {$4300.00}, {$800.00} deposit in to my frozen USBank checking account and were given cash back from the balance. ( This was actually frozen by my local back here in MN- as noted above ) When the check went to XXXX XXXX account it bounced because the account was closed. My account was then debited returned item from a previous deposit for the full amount {$4300.00}. I filled this online on the evening of XX/XX/24. On XX/XX/24 I spoke with branch manager XXXX XXXX phone XXXX. She told me that the teller did not take necessary precaution. XXXX was also able to tell me that the criminal suspect seemed to know that my account ending in XXXX was frozen. She confirmed my passport card was used as ID. It appears she spoke with the teller involved to confirm this. She told me to change nicknames on my account. On the back of this check I saw they had listed the last XXXX digits of my SSN. On XX/XX/24 I again met with my local banker, XXXX XXXX. Through this meeting I was able to get copies of the two checks listed above, forged from XXXX XXXX account. She stated that necessary precautions were not followed and that both of the tellers did not match signatures or take necessary care with my account that was already flagged for fraud. I set up phone meeting with US Bank XXXX WA branch manager XXXX XXXX ( I live in XXXX ). she di not show up for the meeting. US Bank has not providing me with adequte update about first fraud {$5700.00} and now seem to be withholding information about the two additional investigations. This pluts my further banking activities at risk. I have drawn on my credit several times to cover funds that have been defrauded, and yet. even after freezing accounts and having a fraud alert on my accounts in place, I have bee defrauded again, twice. US Bank manager, XXXX XXXX ( XXXX XXXXXXXX WA ) despite admitting that her at her branch did not follow protocol or take necessary precautions refused to give me provisional credit for the funds that were fraudulently withdrawn from my frozen account. Further, I have been charged interest, overdraft fees and cash advance fee. My XXXX score has been impacted. I am having difficulty taking care of my financial life.
Frequently Asked Questions
What is Complaint #8397640 about?
Complaint #8397640 was filed against U.S. Bancorp regarding Checking or savings account specifically about Managing an account. It was received by the CFPB on 2024-02-21T12:00:00-05:00.
How did U.S. Bancorp respond to this complaint?
The company responded with: "Closed with 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.