Consumer complaint received 2017-05-19
Company: FIRST NATIONAL BANK OF OMAHA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
I notice d FNB Omaha on m y credit file and did not know what is was for. I am a victim of identity theft and filed a police report, FTC claim, and put alerts on all  XXXX  bureaus in   XX/XX/XXXX . I  have been able to resolve alot of the issues, but for some rea son FNB Omaha still rem ains an issue. I have sent them a copy of the police report and disputed it since   XX/XX/XXXX .    The information they 've provided me with is the following : My name, date of birth, social security, and address, which were all mine. The problem is I never had an account with them or ever applied or authorized an account opening. After my dispute and attempt to get this account out of my name and off my files they deemed it legitimate. Here 's the information they gave me : - a check with my name and address at the top from some authorized signer in the amount of {$35.00} which was not cleared. I asked them who endorsed the check? and they claimed that it was an automatic payment which never cleared. Then they spoke to someone who was supposed to be me who told them : '' it was a fraudulent account and would call back with new account information. '' Also they notated " do not delete tradeline '' on the account. Then they claim the account has been sitting there for 2 years just dormant even after I made a fraud claim. It still remains on  XXXX  of my credit files. I have never received any mail or calls regarding this so-called legitimate debt. I was also informed there were alot of auto charges on it, rental cars, and charges in states I do n't even reside in.   Lastly, I told them I never heard of them or ever had this account. If it was legit : I asked them to simply  do 2 things : T ell me how it was applied for and where was the card sent. They are unable to provide that information and said they sold the account. How could a bank sell a fraudulent account? After sending them a final affadavit in  XX/XX/XXXX , they sent me back a letter stating they received my dispute and stated that " any failure for them to provide me with any information or documentation I 've requested does not mean that I do n't owe the debt or that I 'm not obligated to pay the debt. '' They said I 'm responsible for the following reason s : 1. I o pened the account   XX/XX/XXXX   ( which I never have and asked them how was it opened. I live in  XXXX   XXXX  how did I get an account fro m Omaha which I never heard of ) 2. The   address I provided in my dispute letter matches the address provided at account opening and which periodic statements have been mailed. ( which made me ask for proof of how it was opened via online, phone, or walk-in. They should have that info since they claimed it was provided at account opening. Plus, they sent me  3 co pies of statements in this response with due dates o f  XX/XX/XXXX ,  XX/XX/XXXX , and  XX/XX/XXXX  showing just the total amount with my name and   address at the top. Like I said photocop ies. Plus, the represenative told me they sold the account. None of this makes sense. ) 3. I 've mad e payments on this account affirming my responsibility for it. ( They sent me a photocopy of a check issued by   XXXX   XXXX   XXXX   XXXX  who I never banked with and it included an authorized signature from some unknown for {$35.00} whic  h never cleared. ) 4. Copy of My billing rights.
5. A copy of my dispute letter which included a copy of my license and ss card which I 've provided with the affadavit as authe  ntication.       If they do n't resolve it immediately I 'm going to have to file a motion and pursue litigation.

Company response to consumer: Closed with explanation