Bank Let Someone Open A Savings Account Under Their Name And My Ssn, Can I Do Anything About It?

I am currently a 19yr old college student and my primary bank is USAA. In early October, my dad told me that the bonds my grandpa had bought for me were accruing and I should cash them in. Being at college and away from home (where my physical bonds are), I naturally opted to cash them out online via the treasury direct. I went to the website and they said they couldn’t “verify my identity” and that I needed to go through this whole overly complicated process. I decided to not do that and to suck it up and instead open an account with a bank that could just cash them in-person. USAA doesn’t let you cash out in person, but I was planning on opening a high yield savings account at a different bank anyways. I try to open a few different accounts at a few different banks and I kept getting the identity verification error.

At this point, I’m freaking out about my SSN being stolen. I check all three credit bureaus and get a quick online report and theres no records of anything (I only have a checking account so makes sense). But even when checking my credit, it kept giving me crap about verifying my identity. I was in my uni’s library around midnight and I decide to go to wawa, get a mid-crisis hoagie and sleep away my problems before trying to call the bureaus and maybe banks in the morning.

Morning comes and I skip my class to deal with the bureaus. It was a while ago so I don’t remember which bureau said what, but I remember the jist. Bureau 1 said I didn’t have any records at ALL and couldn’t link my name to my SSN, weird but ok. Bureau 2 said I don’t have a record because I just didn’t have any credit lines, which was true so yea. Bureau 3 put me on hold for 2 hours and I gave up. I assumed maybe my SSN wasn’t stole and I was just dramatic so I called Capital One because that was my first choice for a savings account. I call, tell them what I want, give them my info and they just keep transferring me and asking for my info again and again. I’m so confused and after 30 minutes of back and forth they tell me that they already have an account open under my SSN, but it’s not my name. I keep asking questions like is it my last name (like a family member), what type of account, how long has it been open, blah blah blah. The phone person just keeps telling me they can’t tell me. They hang up and I call again because I’m nosy and like thats MY SSN???? I get a different person and all I can get is that it was a savings account.

I’m freaking out because #identitytheft I guess so I walk like 10 mins to my nearest cap1 branch to figure out what on earth is going on. On the way, I call my dad because he happens to work a 25-min metro away from my school/the bank I was going to and I wanted back up. I get to the bank, tell a banker whats going on and they get me their manager. I show this guy like every form of identification I have( my license, military ID, SSN card, birth certificate) and he’s like ok perf let me get this sorted. He has me call the exact same number I was arguing with and just takes my phone, gives him his special bank guy number and starts talking to him. It’s like an hour into talking and the manager won’t tell me like ANYTHING. We kept being put on hold for like 20 minute periods at a time so I start texting my dad to come because I’m in the dark. Eventually my dad shows up still in his military camis and turns out the manager is a veteran and they have their little bonding moment. Hoorah. The manager finally starts telling us things (apparently he wasn’t supposed to)and it turns out someone did open a savings account under my SSN. So so so much arguing with the phone guy to prove my identity later, the manager gets all serious and is like “Ma’am you’re a victim of identity theft,” like cool I know. They tell me not to do the whole legal “give me back my ssn” thing and that they’ll handle it from there end somehow and to come back 10 business days later.

10 business days later was halloween which was so tragic but whatever, I go back to the bank to figure out if they fixed it or not. They did not. I sit in there on hold with that same help number again for 2 hours just making small talk with the banker. Eventually they tell me the account was actually opened in 2005 like 2 months after I was born but they don’t think it was malicious. Apparently there was another account opened by a person with the same name and address as the one with my SSN, but ONE number off. They think that somewhere along the way something got screwed up and the person just happened to steal my identity. The bank says whoopsies because apparently back then it was all paper and they didn’t even need SSN or something like that. They then tell me they’re going to mail a letter to the person asking them to politely get their money out of that account so I can have my identity back. They tell me it’s gonna take 30-40 business days to process. The bank is already closed at this point so I skip my way home and think all my problems are solved. Flash forward to now and I still can’t verify my identity anywhere without showing like 3 methods of identification in-person.

Is there anything I can do legally about this? I feel like casually handing out someone’s SSN is not a super great business practice.