U.S. Bancorp Credit Card Complaint

U.S. Bancorp Credit card department,

Identity theft / Fraud / Embezzlement Massachusetts

US Bank denied a claim based on purported signature similarities, this was a baseless claim as the signatures were not even remotely similar to known signatures. US Bank made a claim that they recorded 11 conversations between myself and US Bank employees, yet refused to let me review those recordings. I asked for video surveillance and US Bank informed me that I had to obtain those videos. US Bank violated TILA by placing the burden of proof upon the cardholder, using evidence that either did not exist or they are refusing to share and making obviously incorrect conclusions about signatures. One has to wonder if US Bank is systematically violating TILA by denying valid cardholder claims based on false interpretations of evidence, making false claims to consumers about evidence and telling consumers they are responsible to gather evidence.


The CFPB can review the signatures for themselves and attached is an analysis from a professional handwriting analyst who found that " no indication... that - - is the author of the four questioned signatures. '' Again, one must wonder why US Bank held me responsible for the transactions when the evidence clearly does not support their claim and if US Bank is making similar unfounded claims and or manufacturing evidence to wrongly place the responsibility on the cardholder in violation of TILA. US Bank also violated TILA by not provisionally crediting my account when presented with substantially new evidence or providing evidence to counter my claim. I sent the attached documents by certified mail.