Consumer complaint received 2021-08-29
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I made a complaint to XXXX  because an unauthorized person represented themselves as a XXXX XXXX employee when I called the customer service line. I called because the account I set up wasn't explained properly. I was under the impression, when it was explained to me when I opened the account, that I had an overdraft account. Meaning, it was explained that if I setup a joint savings account and I made purchases, XXXX XXXX would automatically deduct it from my other account set up with no fees charged if my checking didnt have enough to cover it. The day I called to explain, like I said, it was someone stating that they were a XXXX XXXX employee ( a manager ) but ironically I was transferred to a department that had nothing to do with my concern. I was put on hold for ten minutes because the person " manager '' claimed that he couldn't find out what kind of account I had. He asked me could he have permission to extensively access and research and go through my account. Now mind you, I have worked several years in XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX at XXXX  XXXX XXXX and XXXX XXXX. So, I knew the person was full of it. This " manager '' claimed he couldn't help me but he could refer me to the investment banking department - which had nothing to do with why I called. After that, I looked on my tablet to go on my online banking. My checking account began to be immediately affected with double charges and them shifting my money back and forth between my accounts, re itemizing my charges, they ran my credit without my authorization, they linked my {$6000.00} XXXX XXXX XXXX advantage card to my savings and checking accounts, they also CLOSED MY XXXX XXXX XXXX CARD without notifying me of the reasons after they ran my credit unauthorized with no probable cause. I only had the card for six months and NEVER USED IT! They sent me a letter ten days after they closed my card and talked to this shady person stating I had all these charge offs and accounts that were delinquent on my credit report that WASNT TRUE and they based it off of my activity in my checking and savings account - when in fact, there computer were the ones messing it up! I know my account was hacked! They offered me mediation and consultation as well as advice and encouragement to seek other legal action. So, thats why Im contacting this law firm. I am COMPLETELY UPSET with XXXX XXXX and there unethical and shady business practices. I told them that here they go again doing the same thing they did to get in trouble years ago my stashing money from individuals accounts and adding it to other places and re itemizing charges just like the lawsuit they had. XXXX XXXX is back at the same thing again and unfortunately I am the victim! Theyve also cut my debit card off while buying necessities for no reason. My account has been hacked when I reported the problem to them and still being hacked. Please help me.

Company response to consumer: Closed with explanation