Consumer complaint received 2023-10-03
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Loan opened without my consent or knowledge

Complaint:
I trust this letter finds you well. I am writing to bring to your immediate attention a matter of significant concern regarding unauthorized transactions and accounts associated with my name at Randolph Brooks Federal Credit Union ( RBFCU ). I am reaching out to you in the hope of resolving this matter promptly and amicably. 

I recently discovered that a vehicle purchase transaction was made using my personal information without my knowledge or consent. This transaction, which originated during a period of my XXXX  due to health issues and Family and Medical Leave Act ( FMLA ) leave while residing solely in the State of Oklahoma, was conducted by an individual named XXXX XXXX. It has come to my attention that XXXX XXXX not only purchased two vehicles in my name but also opened two accountsa checking and a savings accountat RBFCU without my authorization. 

Despite my diligent efforts to address this situation, I have encountered significant obstacles in obtaining crucial information from RBFCU. I have made multiple requests for the purchase agreement and loan documents associated with the vehicle transaction, but regrettably, the bank has refused to provide this documentation. This lack of transparency has hindered my ability to understand the full extent of the financial commitments made in my name. 

Moreover, XXXX XXXX has admitted to his involvement in the unauthorized opening of the two accounts at RBFCU. These accounts were established without my knowledge, and I never submitted any documents or provided personal information to facilitate their creation. XXXX XXXX 's admission that he opened these accounts to address his own financial challenges underscores the fraudulent nature of these actions. 

I promptly notified RBFCU of the unauthorized accounts and requested their closure. However, to my dismay, these accounts remain open, posing a potential threat to my financial well-being. XXXX XXXX 's ability to deposit checks into these accounts, even though his name is not associated with them, raises serious concerns about the bank 's security protocols and compliance with anti-fraud measures. 

I have informed XXXX XXXX of my intent to pursue identity theft and civil charges against him, supported by his written admission of guilt. It is essential to address this matter comprehensively to prevent further harm and to hold accountable those responsible for these fraudulent activities. 

In light of the above, I kindly request the following actions from RBFCU : -Provide all relevant documentation, including the purchase agreement and loan documents associated with the unauthorized vehicle transaction. 
-Conduct a thorough investigation into the unauthorized accounts opened in my name, ensuring the closure of these accounts. 
-Review security footage to verify that I did not make any deposits into the unauthorized accounts. 
-Cooperate fully with law enforcement authorities to address the identity theft and fraudulent activities perpetrated by XXXX XXXX XXXX . XXXX has been terminated from multiple dealerships for falsifying documents on customers is a concerning pattern that may further substantiate my claims of fraudulent activities. 

I emphasize the urgency of resolving this matter promptly to safeguard my financial interests and to rectify the unauthorized transactions and account openings. I expect RBFCU to treat this matter with the seriousness and urgency it warrants, and I am prepared to pursue legal avenues to protect my rights if necessary. 

I request your acknowledgment of receipt of this letter and a commitment to providing a comprehensive written response within 10 business days. Your cooperation in resolving this matter is crucial, and I appreciate your attention to this urgent issue. 

Thank you for your prompt action on this matter.

Company response to consumer: Closed with explanation