@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.
On Deck: No Plans Currently
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
@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.
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!
@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.
