topic Re: Fraud on cousins CR?. US Bank tricky situation in General Credit Topics

Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 01:03:32 GMT

My cousin got a AA report from BofA saying they closed his card due to a review on his CR, he checked his CR since they had his score in 604 (was 730+ prior as he said).

it shows "US Bank CACS" charged off $39,850, limit $13000. Opened 1/26/2021 and charged off this prior month. He asked them to close the account and sent over a police report & ID theft report, he spoke with US bank which said it was opened in Charolette North Carolina in branch.....

this issue is... he didn't open it and... he's never been outside CA&Nevada..... they said they won't remove it cause he opened it in branch and has the address listed as North Carolina.....

Re: Fraud on cousins CR?. US Bank tricky situation

CreditCuriosity — Tue, 14 Sep 2021 01:31:21 GMT

Not to sure, but sounds like a police report and other stuff will need to be filled/done as clearly identity theft.

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 01:43:28 GMT

Yeah he sent US Bank a San Diego County Police report & Identity theft report, he just heard back from them today that their decision is final and it only took 2 days after they received the certified mail of all the documents to reach their decision.. not sure what to do..

Re: Fraud on cousins CR?. US Bank tricky situation

tnhomestead — Tue, 14 Sep 2021 03:07:45 GMT

Here is a link to the doj, might help. https://www.justice.gov/criminal-fraud/identity-theft/identity-theft-and-identity-fraud

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 03:38:18 GMT

Thanks for that, he already submitted the FTC theft report and PD report, I'm not sure what to do? I've dealt with ID Theft but it was just inquiry's and luckily no accounts... now I freeze everything.. even chex is locked.

I told him to go into the branch maybe? Maybe there they'll be able to help him?. The office at US bank that says it's him wasn't much help... he submitted a CFPB report and us bank labeled a "duplicate" and closed it 1 day after he submitted it.. 9/12/21..

hmm maybe he should send his ID? SSN Card? Birth certificate to US Bank?. What do you guys think?. His max credit line is $13k and has a mortgage etc.. income is $58k, not sure what he will do if he is stuck with this identity theft account..

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 04:01:22 GMT

Just an update they maxed out a Barclays card too for 12k and Barclays closed it the next month after maxed out, Barclays said they agree it's fraudulent and they're going to delete in 30-60 days after Investigation is complete. Their office of president is in contact with him

address is listed in North Carolina, Charlotte

Re: Fraud on cousins CR?. US Bank tricky situation

SoCalGardener — Tue, 14 Sep 2021 18:49:05 GMT

@Creditplz wrote:
My cousin got a AA report from BofA saying they closed his card due to a review on his CR, he checked his CR since they had his score in 604 (was 730+ prior as he said).

it shows "US Bank CACS" charged off $39,850, limit $13000. Opened 1/26/2021 and charged off this prior month. He asked them to close the account and sent over a police report & ID theft report, he spoke with US bank which said it was opened in Charolette North Carolina in branch.....

this issue is... he didn't open it and... he's never been outside CA&Nevada..... they said they won't remove it cause he opened it in branch and has the address listed as North Carolina.....

Did they check the surveillance video?! That's the most obvious first step, in my eyes. To say nothing of comparing the ID shown at the branch, the signatures on the paperwork, etc., to the REAL person's.

Re: Fraud on cousins CR?. US Bank tricky situation

MileHigh96 — Tue, 14 Sep 2021 17:12:02 GMT

Sorry to hear that your cousin is going through this. If he hasn't done it already, he should put a fraud alert with all 3 CB's so that way they will all have to take extra steps to prove identity if credit is applied for.

Re: Fraud on cousins CR?. US Bank tricky situation

barca — Tue, 14 Sep 2021 17:14:09 GMT

can't you cousin take a legal action against US Bank.

The bank screw up, and they are blaming your cousin.

The same lesson some of us keep repeating until it happens again.

If you can, freeze your credit report 24/7, unless you want to apply.
Monitor your balance on credit cards and checking/saving account if possible everyday.
Check your credit report frequently - maybe twice a week (credit karma has daily report now , and experian monitoring)

The problem is that this fruadsters do this for a living and law enforcement is not really intestested in prosecuton or going after this guys with heavy prison sentences.

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 17:41:42 GMT

Yeah, now his CR has a statement that says "contact consumer at xxxxxxxxx before any request for credit is open" he has a bunch of inquiries from all over, Discover x4, AMEX, Chase, WF, Barclays, Synchrony like 18 times. (he is the type of person to be out of touch with credit and still believes you hurt your credit when you look at it) I think after this experience he might close everything and lock it in fear of being robbed again.

He could take US Bank to court or something and that's what I told him but he said he doesn't have money for a court battle (lives pretty tight). I told him I'll help him figure it out, he's called the officer that took his report like 6 times already and only answered once that it's in their database and if more pop up they'll look at making a "case". Not sure how his local PD can let him get robbed like this without a care in the world but, sure...

he is waiting for the papers requested (all documents pertaining to the opening and servicing of the account) hopefully they have some kind of ID or something.
I just feel bad, the poor guy can't sleep over this.. not sure I would be able to either though.

Re: Fraud on cousins CR?. US Bank tricky situation

barca — Tue, 14 Sep 2021 18:11:45 GMT

@Creditplz wrote:
Yeah, now his CR has a statement that says "contact consumer at xxxxxxxxx before any request for credit is open" he has a bunch of inquiries from all over, Discover x4, AMEX, Chase, WF, Barclays, Synchrony like 18 times. (he is the type of person to be out of touch with credit and still believes you hurt your credit when you look at it) I think after this experience he might close everything and lock it in fear of being robbed again.

He could take US Bank to court or something and that's what I told him but he said he doesn't have money for a court battle (lives pretty tight). I told him I'll help him figure it out, he's called the officer that took his report like 6 times already and only answered once that it's in their database and if more pop up they'll look at making a "case". Not sure how his local PD can let him get robbed like this without a care in the world but, sure...

he is waiting for the papers requested (all documents pertaining to the opening and servicing of the account) hopefully they have some kind of ID or something.
I just feel bad, the poor guy can't sleep over this.. not sure I would be able to either though.

I feel sorry for him too. Your cousin should tell US bank , he will go to local media and report it.

the last thing the bank will want is publicity .

The foundation of all these fraud problem is these politicians and law enforcement.

you will think after these colonial pipeline hacking, they will take these frauds more seriously and start legislating laws with stiff penalities.

we are all at the mercy of these fraudsters, even with all our due diligence, we can still fall prey, and nobody is doing anything about it

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 19:07:59 GMT

That's actually a great idea! But who do we contact and how? How do we let US Bank know we will go to media unless they take all material facts into account?.

He paid for Experian to check all 3 scores, and US Bank keeps changing the notes on his CR, it was;

Charged off as bad debt
Account information disputed by consumer, meets FCRA requirements

and now it's;
Charged off as bad debt
Canceled by credit grantor

Re: Fraud on cousins CR?. US Bank tricky situation

Taurus22 — Tue, 14 Sep 2021 21:34:14 GMT

@SoCalGardener wrote:
@Creditplz wrote:
My cousin got a AA report from BofA saying they closed his card due to a review on his CR, he checked his CR since they had his score in 604 (was 730+ prior as he said).

it shows "US Bank CACS" charged off $39,850, limit $13000. Opened 1/26/2021 and charged off this prior month. He asked them to close the account and sent over a police report & ID theft report, he spoke with US bank which said it was opened in Charolette North Carolina in branch.....

this issue is... he didn't open it and... he's never been outside CA&Nevada..... they said they won't remove it cause he opened it in branch and has the address listed as North Carolina.....
Did they check the surveillance video?! That's the most obvious first step, in my eyes. To say nothing of comparing the ID shown at the branch, the signatures on the paperwork, etc., to the REAL person's.

This was my first thought, as well. If it was in-branch, they HAVE to have video of the person. That would immediately exonorate him. Seems the CFPB should be involved in some respect, as well.

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Tue, 14 Sep 2021 22:09:18 GMT

He told them that, he sent over his complaint in the CFPB report and included his license, he works a union job here in CA and has never been outside CA (the exception being LV, Nevada).

I find it crazy, that even with a police report, a federal trade commission report, and his REAL CA ID, and a statement he wrote to US Bank (new one used for travel) they're still trying to pin the blame on him... he requested all documents from servicing/opening the account from us bank since they legally have to supply it to him under FCRA or FDCPA.

barclays just asked for his PD report, FTC theft report and then the Barclays Card US presidents office contacted him, asked him a series of questions and said they'll investigate, they then found him not to be liable, but requested he send back a affidavit attesting to the facts, and they're in the process of deleting them.

US Bank seems kinda incompetent in this manner.

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Wed, 15 Sep 2021 17:45:24 GMT

UPDATE; US Bank just responded this to his CFPB report.

his last one they closed in 1 day and put "duplicate" he submitted this one after and they responded now saying that.

let's just cross our fingers for a good outcome, this one has the PD report, his statement and his denying of their previous response, and the FTC report, and him doing a ID Selfie

Re: Fraud on cousins CR?. US Bank tricky situation

Creditplz — Thu, 16 Sep 2021 00:21:21 GMT

he spoke to US Bank today at 1Pm, he got a call from their internal risk department, he told them he was seeking to go to the media pending their response, offered to go into any branch so they can clearly identify him vs whoever was in North Carolina.

they told him they're researching the issue and they will update him the moment they reach a conclusion, they said they can't have him go into the branch for a comparison and that they're in contact with the branch staff since the branch was closed that opened the account.

The PD that he filed the report with just told him "tell us if they offer you any information so we can pick it up" so that tells you how much they're pursuing this $40,000.00 theft.... I would like to think that the PD would be the one in contact with the bank as much as possible but.. guess not.

Re: Fraud on cousins CR?. US Bank tricky situation

Cowboys4Life — Thu, 16 Sep 2021 05:12:54 GMT

@Taurus22 wrote:
@SoCalGardener wrote:
@Creditplz wrote:
My cousin got a AA report from BofA saying they closed his card due to a review on his CR, he checked his CR since they had his score in 604 (was 730+ prior as he said).

it shows "US Bank CACS" charged off $39,850, limit $13000. Opened 1/26/2021 and charged off this prior month. He asked them to close the account and sent over a police report & ID theft report, he spoke with US bank which said it was opened in Charolette North Carolina in branch.....

this issue is... he didn't open it and... he's never been outside CA&Nevada..... they said they won't remove it cause he opened it in branch and has the address listed as North Carolina.....
Did they check the surveillance video?! That's the most obvious first step, in my eyes. To say nothing of comparing the ID shown at the branch, the signatures on the paperwork, etc., to the REAL person's.
This was my first thought, as well. If it was in-branch, they HAVE to have video of the person. That would immediately exonorate him. Seems the CFPB should be involved in some respect, as well.

You would think so but in reality: no. Those video systems are often designed to auto delete/recorded over after a specified amount of time which could be as short as 72 hours or as long as 30 days. Depends on how advanced the system is. Short of a bank robbery or drawer theft by an employee they really have no need for the footage. While the consumer is very definitely harmed by someone opening a 40k credit card and running it up the bank really doesn't care if they can slap the victim with the problem.

The suggestion to involve the media isn't bad per se but you need to remember that the media can put any spin on it they want and in the covidiocy era they aren't really interested in anything outside that. I would start calling NACA Consumer Attorneys. It is entirely possible one may take a case against US Bank on contingency for their failure to respond to what is clearly fraud and identity theft. I had a similar situation a couple of years ago. I got an alert from CITI asking if I had charged $1.75 at a vending machine in Manhattan. I am on the west coast as well. I texted back 2: NO and within 15 seconds they called me. During the call I made it clear I was not in Vegas on vacation I lived here and was no where near the state of NY or Manhattan. The next question was "then I guess you are not in Marshall's on [street] attempting a purchase for $3457 right now? Ummm NOOOO. They denied the purchase, locked down the card/cxl it and sent a new one FedEx over night. NEVER affected my credit or hit my reports. Proof your cousin has never left the west coast should have alerted US Bank and their failure to act should cost them.

Re: Fraud on cousins CR?. US Bank tricky situation

ChargedUp — Thu, 16 Sep 2021 19:24:43 GMT

1. Contact USB on their social media. Facebook, Twitter, etc. and spell out exactly what is happening. This puts his issue in front of the world essentially and I doubt USB wants the negative spotlight. Keep on them every time they respond that they won't remove the negative info from his reports.

2. Call the Charlotte Police Department and file a report there as well. As the crime occurred in their jurisdiction (and they're not pinned down by California "things"), they'll likely be more eager to bring the thief to justice. Offer a copy of the Charlotte PD report to USB as well.

3. Here in the SF Bay Area, there's a guy named Stanley Roberts who does a TV segment called "People Behaving Badly". Look him up on Facebook and tell him what's going on If it comes down to it. These types of stories are his bread and butter, and he's got a huge following up here.

4. Lastly, sign him up for a fraud resolution service and credit monitoring program like MyFico, Experian, Discover, etc. They take the headaches out of these things and he'll be covered under their insurance policy for things like this.

Best of luck to your cousin!

Re: Fraud on cousins CR?. US Bank tricky situation

SoCalGardener — Thu, 16 Sep 2021 21:09:35 GMT

@Cowboys4Life wrote:
@Taurus22 wrote:
@SoCalGardener wrote:
@Creditplz wrote:
My cousin got a AA report from BofA saying they closed his card due to a review on his CR, he checked his CR since they had his score in 604 (was 730+ prior as he said).

it shows "US Bank CACS" charged off $39,850, limit $13000. Opened 1/26/2021 and charged off this prior month. He asked them to close the account and sent over a police report & ID theft report, he spoke with US bank which said it was opened in Charolette North Carolina in branch.....

this issue is... he didn't open it and... he's never been outside CA&Nevada..... they said they won't remove it cause he opened it in branch and has the address listed as North Carolina.....
Did they check the surveillance video?! That's the most obvious first step, in my eyes. To say nothing of comparing the ID shown at the branch, the signatures on the paperwork, etc., to the REAL person's.
This was my first thought, as well. If it was in-branch, they HAVE to have video of the person. That would immediately exonorate him. Seems the CFPB should be involved in some respect, as well.
You would think so but in reality: no. Those video systems are often designed to auto delete/recorded over after a specified amount of time which could be as short as 72 hours or as long as 30 days. Depends on how advanced the system is. Short of a bank robbery or drawer theft by an employee they really have no need for the footage. While the consumer is very definitely harmed by someone opening a 40k credit card and running it up the bank really doesn't care if they can slap the victim with the problem.

You're absolutely right about the video footage--depending on how long ago this happened, it *MAY* have been deleted by now. But if it still existed at the time the incident was brought to light, the bank should've immediately locked-down that footage for safekeeping.

Besides, there's also the issue of the signature(s) and any ID the fake applicant supplied. The bank surely still has copies of those! They would've scanned them into the computer system at the time of the application and may also still have the physical paperwork.