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US Bank review: Fraudulent transactions

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1:25 pm EST
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On or around November 24, 2023, US Bank customer service reached out to ask if I was in Arizona, which I was in Minnesota at the time. They indicated that a woman went into a US Bank branch trying to access my checking account utilizing a fake ID. An alert was put on the account at that time. This happened two more times. We went into a branch to freeze the accounts, at which time, they indicated that even if we closed the account, this person may still try to access a new account. I was unable to completely close the account due to outstanding bills to be paid, so I left just enough to cover the bills. A freeze was on the account and alerts that indicated there was an imposter trying to access this account so do not allow any transactions to occur. On December 8, 2023, we closed ALL of our US Bank accounts, except for the main one that needed to remain open for bill pay. On December 11, 2023, I received notice that our account was in overdraft due to bad checks for a deposit made. Even with the account frozen and alerts on the account, this person came into another bank branch and cashed three fake checks totalling $7,686.00, which then threw the account into overdraft, so the bank put in $3500 to cover these bad checks. I went back to the bank branch to address the issue, and was told it needed to be turned over to their fraud department and that there wasn't anything else they can do at the branch level. On 12/12/2023, I filed all of the required documentation required to file a fraud claim. As of 1/15/2024, US Bank has not made any attempts to follow up with me to provide a status update, so I called them and they told me it is still pending investigation and that it could take months or even YEARS before it is resolved. In the meantime, I am getting US Bank Collections calling me about repaying the overdraft amount! Everytime I call the bank or customer service, I have to tell my story from the very beginning, only to be told the same thing: It is under investigation and there is nothing we can do to escalate it. We took every step to freeze our account and put alerts all over it so someone at the bank level didn't allow this fraudster to get any money out of our account, but at the branch level that cashed these checks either was in on this scheme or they never looked at the account to see that they shouldn;t have allowed this to happen. US Bank should go after the teller and investigate them and reimburse me my money and make this right. $7600 is a financial hardship to continue to tell me that there is nothing they can do until it is fully investigated. This is on US Bank, not on me and I should be reimbursed my money.

Claimed loss: $7,686.00, plus $30 new check fee for opening a new account that I had to close the same day and they didn't cancel the check order, but yet they charged me for them.

Desired outcome: Refund of ALL monies due and owing to me from the fraudulent checks, plus $30 check order refund, plus written confirmation that the overdraft nonpayments will not affect my credit rating.

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  2. US Bank phone numbers
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    800 Nicollet Mall, Minneapolis, Minnesota, 55402, United States
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