U.S. Bank National Association Corporate

Complaint ID: 6942887

Product: Checking or savings account

Sub-Product: Other banking product or service

Issue: Managing an account

Subissue: Problem accessing account

Company: U.S. BANCORP

Complaint: US Bank U.S. Bancorp Center XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Corporate Switchboard XXXX XXXX Customer Service XXXX - Cardmember Service Fraud Prevention Department XXXX - Cardmember Service Fraud Prevention Department XXXX - XXXX XXXX (Social media guy that threatened me) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Personal Checking: XXXX Business Checking: XXXX Agreements: Open Issues: These are the open issues. The date cited next to the issue is when the issue first happened. Scroll down in the log to that date to see all details, and scroll up to see the history. XXXX XXXX XXXX XXXX XXXX XXXX - US Bank representative called me, was rude, harassing, and threatened me. (XXXX) - XXXX from Social Media team called me. - Called me stupid, then threatened me with unspecified physical violence. - US Bank branch personnel were incredibly rude and nasty to me. (XXXX) - XXXX XXXX XXXX - One lady refused to answer any of my questions. - Another lady butted in and started loudly and rudely talking at me. - That second lady ignored me altogether, chased me out of the bank, and accused me of yelling. - US Bank personal account fraud charges issue (XXXX) - I got a text about fraud charges, had to dig deep for ID for sender. - Checked my US Bank personal checking account (XXXX), FOUR fraudulent charges. - Requested assistance via phone and in person several times, all refused. - Unknown deposit in business account (XXXX) - Unknown check deposit for $100 XXXX XXXX - On XXXX, this transaction is not found at all. - Unable to reach a person via telephone for assistance - This issue has been going on for a long time. - The automated systems don't allow me to speak to a person - The automated systems say my information is invalid and hang up on me - The automated systems don't offer me an option for why I'm calling - Inability to utilize offered services - US Bank refuses to process my application for a personal or business credit card - They've said I need to unlock/unfreeze all three of my credit reports for 2-4 weeks, this is not acceptable to me. LOG --- XXXX Nothing heard from XXXX XXXX, still no statements. Time to reach out for more help. XXXX, calling corporate switchboard. Transferred to C/S? XXXX XXXX Confirms she's C/S, not corporate. I told her what I'm after and left her to it. She became argumentative and abusive, then hung up on me. XXXX XXXX XXXX XXXX XXXX VM, left VM. On Monday I need to ask for external help again. XXXX Emailed XXXX again about the statements, need them for a payment dispute, asked him to please email them to me today. XXXX Bumped email to XXXX for statements again. XXXX It appears I've been issued credits for all four XXXX fraud charges. Requested again that XXXX provide me with the statements. XXXX CFPB response from company. XXXX Response, US Bank says no change. Received statements and stuff in the mail today. XXXX Still no resolutions. Called CFPB, gave info/reminder. 3 times. After a lot of calls and XXXX, it finally got resolved and I could view the response. XXXX Called CFPB, same stupid nonsense in the first call. Finally got to a supervisor in the 2nd call, gave my info and request again. Email from XXXX XXXX statements have been mailed, disputes are in process. XXXX XXXX, Called CFPB to follow up, XXXX, still no help or cooperation. Called Ombudsman, left Vm. Emailed Ombudsman. XXXX, XXXX also refused to assist or cooperate. XXXX After MANY calls to the CFPB this morning, I finally got to a supervisor that was willing to cooperate. I gave her the information, and asked for an email when the task is completed. XXXX Called CFPB to follow up again, still no help/cooperation there. Still nothing from US Bank either. XXXX called XXXX XXXX, got through. VERY difficult, kept talking over me/at me, and blaming me for all the problems. He hung up on me, so I called back. He claims he couldn't hear me... He's going to mail me the statements (all of them!) and dispute the fraudulent transactions, then send me an email with proof thereof. More emails to the CFPB Ombudsman asking for help there. XXXX US Bank is apparently sending me a new debit card. Wow. XXXX Emailed all reminding them I am still in need of assistance. Replied again to last email asking for help. Called CFPB to ask again for help with the complaint response. Got a lady that hung up on me. Several calls to CFPB, more rude people. Emailed CFPB ombudsman. Auto reply. Calling Ombudsman office. TXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX (Toll-free) XXXX Email from XXXX XXXX with some garbage/spam stuff. I think he was trying to send me my statements. I replied, let him know of the issue, and asked for my statements directly as .pdf's. I did offer to come by his office and let him put them on a flash drive I'll provide. I called the corporate switchboard and it goes to hold music for awhile, then disconnects. All of the numbers I've called go to hold music, then disconnect, it appears they've blocked my number. They clearly no longer wish to communicate with me directly, so I'll have to take this up externally. XXXX XXXX response from US Bank, in short, they closed my accounts because I asked them to allow me to dispute the four fraudulent transactions, and they refused to do so. XXXX Received a letter and some checks from US Bank, they're closing my account. XXXX XXXX XXXX XXXX I cannot retrieve statements in my business account, and I cannot log in at all to my personal account. XXXX, Called, VM, left VM. XXXX, called XXXX Main branch, opt 3. Unavailable. XXXX, Submitted CFPB complaint for account closure without full refund or statements, ID FOR COMPLAINT SENT TO US BANK XXXX Cannot file Texas Banking Department complaint, need to file federal. helpwithmybank.gov, called XXXX XXXX to see who regulates US Bank, no help. Emailed help form for help. XXXX, call, corp switchboard, looking for Exec office. Sounds like C/S, called again. XXXX same again, call 3, XXXX. Same thing. XXXX, CFPB response, says company replied. I can't view or get to the attachments. Submitted feedback saying so. Calling CFPB for help. XXXX XXXX Complaint # XXXX. Not helpful, taking a long time. Refused to help me, nothing more can be done here. XXXX XXXX Called XXXX XXXX operator, system hung up. XXXX, Corp. XXXX, no help. XXXX, Emailed all addresses with Open Issues List. XXXX call customer service, eventually got through to a person, she completed everything I said and refuse to assist XXXX, called the corporate switchboard number, talked with XXXX again, still does not want to help me. XXXX XXXX, From XXXX XXXX XXXX XXXX (3 minutes ago) to me Good Morning, The second email you sent with your notes copy and pasted has not come through. I was not able to gain access to your notes through the link you provided either. When you have a moment, would you please resend your email with your notes copied? Once I have those notes, I can submit the fraudulent activity to our fraud department. Thank you, XXXX XXXX US Bank I replied, sent an acknowledgement/compliance email first, then copy/pasted the note again into it's own email reply. XXXX received a call from XXXX, a gentleman from US Bank whose name I did not write down or remember, and was responding to my survey feedback. Some difficulty in getting him to tell me whether or not he had read my log, we did determine that he has not read it, I told him if he would send me an email requesting it I would send it to him and he could read it over and then choose whether or not he wanted to provide me with actionable resolution steps. XXXX calling XXXX XXXX. VM, left VM. XXXX XXXX no progress yet. Email sent to all addresses nudged, reply all asking for help again. XXXX, checking online banking. No changes, no messages. XXXX, calling Corp. XXXX. He started trying to learn more about the issues, then started talking over me. End of call. XXXX Call, C/S, lots of '0#'. XXXXXXXX XXXX. Gave name and intro. Refused to assist or transfer to supervisor, then began to argue about it. XXXX, Calling Fraud, auto system, no human. XXXX next #, also fraud, auto system, no human. XXXX XXXX XXXX, left VM. 0815, Found a way to access chat through 'Contact us'. XXXX. I gave her the open issues list with a link to my log, she ignored it all and either doesn't know how to help me, or, won't help me. XXXX end chat. XXXX Email from Social Media Team, Good morning, XXXX Thanks for emailing us again. I understand you still need assistance. I notice you spoke to our ambassador XXXX last week. He is currently out of the office, but if you'd like a different ambassador to reach out, please let us know. All the best, XXXX XXXX. U.S. Bank Social Media Ambassador | Social Media Customer Care Replied: I AM COMPLETELY SHOCKED AND AMAZED AT YOUR INCREDIBLY DIFFICULT RESPONSE. AS IT WOULD SEEM I HAVE NOT MADE MYSELF CLEAR, I AM, AS I HAVE SAID MANY TIMES, STILL AWAITING ASSISTANCE FOR RESOLVING THE OPEN ISSUES WITH US BANK. I AM NOT CONCERNED WITH ***HOW*** YOU PROVIDE SAID ASSISTANCE, I AM SIMPLY WAITING ON YOU TO ***START*** PROVIDING ASSISTANCE. THERE ARE MULTIPLE OPEN ISSUES AND I AM STILL WAITING FOR YOUR ASSISTANCE IN RESOLVING THEM. PLEASE SEE THE DETAILS PROVIDED AND PROVIDE ME WITH ASSISTANCE TOWARDS A RESOLUTION. XXXX email again. Social Media Customer Service Shared XXXX (3 minutes ago) to me, XXXX XXXX XXXX XXXX there, XXXX. Wed be glad to offer our assistance in any way we can to help address your concerns. Please let us know if you would like us to give you a call today and discuss our available options to further resolve this matter. We look forward to hearing from you and being able to further assist. Warmly, XXXX XXXX Communications Rep Pronouns: She / Her / Hers U.S. Bank Missouri A Home-Based Replied: I SEE I STILL HAVE NOT MADE MYSELF CLEAR. I AM STILL REQUESTING ASSISTANCE WITH THE OPEN ISSUES. PLEASE REVIEW THE DETAILS ALREADY PROVIDED TO YOU, AND PROVIDE RESOLUTIONS. AGAIN, I DO NOT CARE ***HOW*** YOU RESOLVE THE ISSUES, JUST THAT YOU ***DO***. AS ALWAYS, I WOULD MUCH PREFER TO NEVER BE ON THE PHONE WITH US BANK AGAIN SINCE YOU'RE ALREADY RUDE, DIFFICULT, AND ARGUMENTATIVE ON THE PHONE. IF THAT IS THE ONLY WAY YOU CAN PROVIDE RESOLUTIONS, THEN PLEASE STOP WASTING SO MUCH TIME AND START GETTING THINGS DONE. XXXX, Called corp office to see if they would like to help move this along. Got XXXX again. Difficult conversation, I gave him the information he asked for, and then he talked over me, and hung up on me. XXXX, XXXX from US Bank called me, XXXX XXXX Lots of talking, finally getting down to brass tacks, emailed him my log. Had to copy/paste into an email, he can't use the link yet. Works at a branch in XXXX, helps the district with complaints. Sounds promising, will get back to me ASAP with fraud/dispute case #'s and then work on getting the rest of the issues resolved. Open to call tomorrow evening, same time frame. XXXX XXXX calling corp #. XXXX. I attempted to have a conversation with him, but he kept talking over me. XXXX, calling C/S. XXXX XXXX. I gave her my blurb and info, and asked for someone higher up to help me. She became belligerent and harassing, then hung up on me. XXXX finally able to login. ONE of the four charges has been refunded to me. Calling C/S #, call 2. XXXX XXXX. gave name, req supervisor, gave reason, req supervisor again. She became abusive, I had to move on. XXXX, Call #3. XXXX Female agent, couldn't get name. I req. supervisor. Refused to transfer. Continued to argue and lie. XXXX, CFPB complaint filed, ID FOR COMPLAINT SENT TO US BANK XXXX XXXX XXXX, not a supervisor. Asked for one again. He hung up on me. XXXX corp. XXXX, rude C/S agent, refused to listen. XXXX XXXX, calling Corp. Switchboard. XXXX XXXX. We had an incredibly difficult exchange, but he finally stopped talking long enough for my to get a few words in and I briefly summarized the issue. I also confirmed he sees my phone number on caller ID. He asked me to hang on, then hung up on me. Checking online banking, all four charges are still present. Attempted to dispute charge, told to call or visit branch. XXXX, Calling XXXX. Automated system, very difficult. XXXX XXXX. Ignoring me, req supervisor. XXXX, hold. XXXX, they hung up on me. XXXX call 2. Automated system, 0# a bunch, hold. XXXX Refused to assist or transfer, asked for the reason for a supervisor right after I told her why, ignored me, talked over me, hung up on me. XXXX call 3. Another rude woman, lots of difficult, put me on hold, XXXX After several bad exchanges, she hung up on me. XXXX I stopped by the branch on XXXX this morning while visiting XXXX house. The lady I talked to there said I had to have an appointment, no appointments were available, and would not tell me when the next available appointment was. Statement email; replied with request for updates. XXXX XXXX Calling to follow up on open issues. XXXX took my call ( I had to ask for his name), refused to answer my question about updates, and then transferred me to a dead line. XXXX, logging in to personal account, balance is XXXX XXXX transfer to XXXX taken out, XXXX charges completed. Found and using dispute transaction link. It says I have to call or visit XXXX, calling. XXXX still fighting with the automated system, transferred to the card services fraud department auto system. The system hung up on me saying my phone number is not valid. Business checking account is not showing the XXXX check deposit anymore. Found and added XXXX profile to log. Filing XXXX complaint. Your temporary complaint ID is XXXX . If you provided an email address, you will receive an email with your official complaint case number and a link to your case within approximately 48 hours. XXXX Emailed all addresses above asking for help, copy/pasted open issues, gave log link. XXXX XXXX response, complaint sent to business. I had another call this evening where I actually got through to a human. She refused to assist me, wouldn't answer any questions, wouldn't get me anyone else, or a supervisor. XXXX XXXX XXXX from US Bank social media dept called me from XXXX He did not read my log. He lied, saying he does not have access to my log. He failed or refused to provide ANY intended resolutions to the open issues. He then went on to talk over me, and then threatened me, sounded like, 'If you don't stop talking and listen, I'll make you shut up'. I hung up. I updated the XXXX review with this information. XXXX, called the Corporate #. XXXX took my call, I had to ask for his name twice. I have him my summary, and he says he would transfer me to the executive office. I asked him not to, and gave him my name and #, which he refused to accept, and transferred me anyway. The line disconnected when he transferred. XXXX I received some odd text messages last night, perhaps about fraud. Checked my online banking, found matching charges that aren't mine. Replied with 2 to the SMS. I called the number in the sms alert, XXXX Suspicious, seemed like spam. Called US Bank customer service, XXXX, rude agents, no help. Canceled my external transfers into this account. I went into the branch on the corner of XXXX XXXX XXXX XXXX this morning, and asked for help with this. The girl at the counter was very difficult, did not answer any of my questions, and said I had to call the phone number on the back of my card. I called it again while I was there with her, and I had the same results, the automated system hung up on me. The girl behind the counter said it was my fault because I didn't follow the directions and I needed to keep pushing buttons until I reached a person like the system said, even though the system did not say that. She also refused to tell me the minimum balance necessary in the account to keep the account open. I then called the so-called corporate phone number, XXXX, and I got several rude people there who talked over me, ignored me, argued with me, harass me, and refused to assist me. As I'm not able to find anyone to assist me with any of these issues, and I currently have no further methods of contacting US Bank to ask for help, I don't know what else I might be able to do. At this time I'm simply waiting for the fraudulent transactions to process, and then I'm hoping to find a way through the website to mark those transactions as fraudulent, or to dispute them. Once I'm able to get that resolved I will simply transfer most of my money out of that account, and wait for them to solve their problems. The difficult girl at the bank branch did say that my personal debit card is suspended until the fraud alerts are resolved, so nobody can use that card anyway. Also, there was another girl there who started talking at me while I was talking to the first girl and even though I told her I was not interested and I did not want to have two people talking at me she continued to talk at me anyway, saying that the phone number the first girl gave me was the correct phone number, which is stupid because I never asked if that was the correct phone number to call. That same second girl also accused me of yelling, which of course I was not yelling. I then gave them a very clear example of the difference, and they got very bent out of shape and started crying about me needing to leave. I posted a review for that branch on XXXX XXXX. XXXX Reply on XXXX XXXX: Thank you for taking a moment to share your experience with us, XXXX. Were happy to review this with you to see how we can help. Please send us an email to XXXX with your phone number and reference number XXXX, and we will call you directly to assist. We look forward to hearing from you. Thank you. XXXX I forwarded the XXXX XXXX email to them with a link to this log and a request to read it, then reply there with their intended resolutions. These are the fraudulent transactions: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email response, they're insistent on talking to me... XXXX XXXX XXXX I replied, gave them, my home number, warned them clearly. Also, on the business side, I have a check deposit of $XXXX XXXX XXXX today and I don't know what that is. I know I did not deposit any checks with US Bank today. XXXX check Check XXXX Pending XXXX Transaction info DescriptionCheck Transaction DateXXXX Transaction timeXXXX XXXX. Typecheck XXXX Email from US Bank saying I've been unenrolled from XXXX. I replied asking which one caused it and why. XXXX Another email, correction, customer group is NOT changing. XXXX Email from USB, saying my customer group has changed. XXXX Emailed XXXX to see what US Bank can do for me in business banking. XXXX Having issues. Tried to pay for XXXX order with debit card, woudln't go through. Finally got in to chat with US Bank rep, they said call or go to branch. Called branch, too busy to take my call. Chat caused my laptop to freeze, had to hard reboot. Calling C/S :( XXXX XXXX, xfer to business center? XXXX hold. XXXX XXXX. Refuses to assist, keeps arguing, lying, refusing to help, answer any questions, etc. Says she's 'trying to help', but all of her actions have been harassing. At this point, there's nothing we can do to move forward. When US Bank wants to resolve this, they can send me an email to get that process started. Until then, I understand they don't want to assist. XXXX emailed XXXX XXXX XXXX, email from XXXX, he says credit reports are frozen. For the card, he says if it's international, I'll need to apply for a block to be removed. Got a call from him, we talked, he wants to help me fix these things. Another email from XXXX, they want all three credit reports unlocked for 48 hours, which I already advised I'm not willing to do. At this point, I'm led to believe that US Bank just isn't interested in helping me, and I've spent too much of my time with this already. XXXX Visited branch in XXXX today, met with XXXX XXXX, business banker. He got me applied for a business credit card, and said they could also help me with a business line of credit once the card is established in good standing. XXXX Unable to login to my personal account. Wrong XXXX, wrong XXXX, no profile found? XXXX I stopped in at the XXXX XXXX branch while I was in town to ask about cleaning up the account issues. Worked with XXXX XXXX had to explain things multiple times, but she says she made progress, and the issues should be resolved in 2-3 days. I was able to change my business profile User ID. There is no option to be able to manage my business account debit card from my personal profile. XXXX Error persists in business profile. More emails with XXXX Online department is involved, something wrong in the background. No useful information. In my personal profile, when I attempt to link my personal external account, I get stuck at the secure access code screen. I get a call, a secure access code, and I enter it, but then the US bank website starts the process over. I setup a link from XXXX to US Bank, waiting for the trial deposits. XXXX Bumped email to XXXX again. XXXX In business profile, I get an error when I attempt to transfer funds to my external account: You are not currently eligible for external transfers. You can view any past transfer activity on your account, but currently you cannot make any transfers. I emailed XXXX for help. XXXX XXXX, calling to get help linking my external account. I want to link my XXXX account so I can move money back and forth. XXXX XXXX, not helpful, kinda difficult. XXXX back to queue. XXXX XXXX XXXX Logged into personal. Changed all options to paperless. Changed my username, logged out, logged back in. XXXX Opened Business Account XXXX Opened Personal Account

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 6942886

Product: Checking or savings account

Sub-Product: Checking account

Issue: Managing an account

Subissue: Fee problem

Company: U.S. BANCORP

Complaint: US Bank will randomly put money in my account and I will look to see where the money came from in my transactions and there is no indication of where the money came from. Its randomly put into my account its happened now two times that I have caught and screen shot the sum of money in my account. Ive transferred the money to my savings account and the very next morning my account is negative. Now prior to the money anonymously being put into my account my account is always positive. Meaning anything I have spent from my balance is accounted for and already taken from my existing balance. I am the type of person that, budgets so I watch my spending and my account. I use my savings to balance all funds, when I am at the store for example, after I know what my balance is owed at the store I will transfer money from my saving account to my checking account to the nearest dollar before running my debit card. So all balances I have have been accounted for and covered. So these incidents are weird to me because when this random money shows up in my account its always in the amount of around $ 160+ dollars. When I transfer the misc money to my savings account the next day my account balance is negative and they access a fee to me. They charge me an over draft fee, my account never shows the misc money going into my account and all the sudden the purchases that were debited from my account previously come back and they indicate that the reason my account is at a negative balance is due to previous purchases that already cleared my account. They did the same thing to my business account the previous month. I went to the bank to speak to a manager, he was really rude to me and made me feel like I was crazy and was making things up. I even showed him screen shots. He wanted to convince me that it was due to money I spent that I didnt have in my account that was accounted for and already taken from my balance previously. I knew I could not transfer money out of my account if it was so called already negative and what he was saying made no sense it was not true. I waited days and called several times, with multiple complaints before they would refund the fees to me. They also made me feel like I was lucky they refunded me when it was there error. They had no record of the misc funds going into my account and told me my account was negative. I asked how my account could be negative when I transferred the money out. They didnt answer my question. Now it happened again last night and I took pictures of the event so I could make another complaint to the bank and now this time I am making my complaint to you. They have no record of this misc money but now are giving me a negative balance for this misc money and it will soon turn into an over draft fee for the money they put into my account and took back out. Now purchases that were covered from Monday are back in my account stating I didnt have enough funds to cover them and thats not correct. That money came out the second I ran my card on Monday at the grocery store. I have the receipts for my transactions and I have the screen shot. They are getting away with charging over draft charges for charges they create. This is a huge red flag and if they are doing this to me they are doing it to others as well & making one heck of a profit from the consumer. I want this investigated immediately. I know by the end of today they will charge me over draft fees for this misc money they put randomly into my account and then took it back out to create a fee. Last month they blamed it on my truck payment when the money was already in my account and when they put random money into my business account my account was again positive my truck payment had already cleared and it went from positive to negative really fast. I have provided two different scenarios for you with screen shots of both incidents ; one from yesterday and one from XX/XX/2023 -Please help me

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---

Complaint ID: 6937805

Product: Checking or savings account

Sub-Product: Checking account

Issue: Problem with a lender or other company charging your account

Subissue: Transaction was not authorized

Company: U.S. BANCORP

Complaint: I had been w/ US BANK ( home branch located in XXXX XXXX Illinois and Branch Manager, XXXX XXXX XXXX whom was always kind to me )! I opened an account in XXXX with XXXX XXXX and opened a joint account that the other person on the account closed without my consent a couple months later. I had looked back several years and seen from the advice of one of the US BANK representatives on the 24/7 phone number that I was being charged such an excess of Overdraft Fees that she had NEVER seen before. They went over what the law allows the financial institutions to charge in one day by thousands of dollars! I had cash run through both accounts and used my account quite frequently, until Covid hit and I feel as if I was not treated fairly and lied to twice by one of the bank tellers that was supposed to fax over about 35-50 pages of DISPUTES to the proper office! I had originally had them inside of envelopes with stamps on them ready to mail, and I gave them to the bank teller before she left work and she promised that she would fax them over. I had a bad feeling in my stomach and I definitely was right. The bank teller did none of this sort. They never ended up going to the US bank dispute department so that I could get my money back from a few places, XXXXXXXX XXXX XXXX XXXX included for over th {$1600.00} that was coming out of my account every month for my XXXX XXXX XXXX that he purchased when they were still sprint and it never ever showed up at the doorstep. The only thing that showed up was a note that they couldnt deliver an item like that I had called XXXX several times, which is now XXXX and never ever. Would they send another phone it was never ever activated in his name. They even saw that somewhere around Wisconsin. Somebody tried to activate the device and it was to be mailed to XXXX Indiana not Wisconsin or Minnesota. XXXX or XXXX got all their money back from the first dispute. I was paying monthly out of my account for this phone that never ever showed up and was apparently insured when finally it came down to letting them know that he was going to leave the company, XXXX XXXX actually offered to finally mailed the phone that was enough. New phone was already purchased and my money was gone. I just want my money back into stay back.! Well, I was very disappointed that the bank teller after being there for five years, never ever faxed my dispute papers in about 50 pages or so that I spent hours writing for what I never received and the reasonings, and just everything in detail even police reports that were made. XXXX or XXXX XXXX now just had got their money back and also also they put on my fiancs credit report that he owed them over {$1600.00} as well for that phone. How could they get paid their money back which was taken out of my account and put me in the negative in my account was closed because of this and then on my fiancs credit report its on there that he owes them money as well. They are really making out from that and completely destroying. My fianc is Credit as well as mine with opening up a bank account after being with them and having at least {$50000.00} of cash or {$50000.00} go through the account and even more every single year for five years! Earlier in the year of XXXX I was taken for I believe it it had happened when I was in the hospital and somebody took my card and they stole almost {$10000.00} from me. I dont know how they got my information and my money was given back to me since it was in during the pandemic then I ended up looking at my account one day, and all of a sudden they took the money back. My money was supposed to have been insured by the FDIC, and they promised over and over again to mail the paperwork for The fraud and for me to sign and they never ever mailed it not once they acted like they didnt even care and the person who made sure that I got my money back right away was almost in tears when she heard the story she was wonderful on the phone. Im actually a XXXX person so I would talk to a lot of people that worked midnights And I really did love my bank. I would love to have my bank account back at US Bank, and I would love this matter to be taken care of, and especially looked into about how many overdraft fees that I was charged over the years and especially on the joint account that was close by the other party. Once again, one of the bank representatives from US Bank over the phone told me that it was against the law how many overdraft that I had been charged daily it went over thousands of dollars over the years and I was due that money back. Apparently its in a credit, or its against my credit right now and theyre trying to collect a debt. I would hope that somebody could work with XXXX XXXX XXXX with having my account opened back up and this issue resolved as soon as possible. I really enjoyed him and I could trust him and I probably should have went to him to talk about this however, he had no control over what the big bigger parties did in this process, I also want to mention that I was given a letter right before the pandemic started that one of my insurance companies had an encryption issue, and I had passwords my Social Security number my ID, a whole bunch of information about myself. It was hacked into, and they apologized profusely and now there were several other entities that are saying I owe them money and I do not even know who they are this insurance company that I dont even know whom they are offered me some {$200.00} identity theft or the best one for the year which I did not go into since a lot of it was true and traumatic at the time now I would hope that somebody can help me to resolve these issues as well. I will come back and fill this out to the best of my knowledge my bank account was closed from US-BANK I believe in XX/XX/XXXX. This was completely wrong. I am definitely owed my money back plus my money back from when my card was stolen plus some money back from other places and entities that had stolen from me. I was even send messages that my information was on the dark web. I would like to get this whole spiderweb of things cleared up on my credit as soon as possible and I thank you so much for your help in solving this issues as soon as possible. I pray God blesses you all with abundance in every area in every way needed plus more and I thank you very much for listening and reading my long message here. I hope that I was very thorough, if you need better dates Im sure I can provide them however, I do not know the exact dates and times. Thank you very much and God bless once again if you can, please get a letter to this company. I do not want to be in collections for this, and I would like my bank account back my money back, and my fianc would like his name to be off of the Credit-Bureau list for XXXX XXXX XXXX Basically theyre trying to get money from it some thing that was stolen and never or never sent out they got their money back from my account that was disputed and a police report made and then they wouldnt since we were not gon na stay with XXXX once they decided to want to mail the XXXX XXXX so now you know this was quite a few years ago they went and they put a {$1600.00} charge on my fiancs Credit report with XXXX XXXX XXXX XXXX and XXXX. Thank you very much. Sincerely & Truly Yours, XXXX XXXX XXXX XXXX

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

---