Consumer complaint received 2020-09-23
Company: PROSPERITY BANCSHARES, INC.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
The purpose of this complaint which is not a duplicate in the sense this includes a response from XXXX ... In this response from XXXX which I appreciate and thank XXXX for ... XXXX explains their position which I now understand much better ... That it is the financial institution that sets the Parameters surrounding fraud alerts ... Therefore Prosperity Bank is responsible for excessive restrictions and parameters on my bank debit card that set me up to fail and as such added to my duress and to my stress ... We are at a point in our modern world where logic via artificial intelligence a whole unique language full of impressive algorithms is causing series of events that upsets many folks ... I wrote my first computer program using logic around the age of nine in XXXX with one of my siblings ... My intelligence was always above average ... I am not an expert on algorithms and I am no genius however I have a firm grasp of the strength and abilities of artificial intelligence which is very popular in XXXX where I lived for a total of sixteen years ... I did my college levels in XXXX all six years in the XXXX ... Logic and proportion can become dysfunctional in the sense that when bank debit card holders like myself experience excessive restrictions and is not given correct information which is what happened when I was told many times that I was able to use my bank debit card then when I tried to use my bank debit card I could not do so ... That is very frustrating and I trust that you can see how exceedingly frustrating that was ... Particularly on a weekend when my funds were available for use and when in reality no actual fraud existed ... As a result of artificial intelligence new laws are being written to wit around the world to deal with events that are unique to artificial intelligence such as predatory practices and such ... Many a mob scene is created via artificial intelligence via fake news feeds that can create mob scenes ... I ask Prosperity Bank to read XXXX 's kind response to my complaint ... There are many complaints filed here with various financial institutions and as those complaints continue to add up then those complaints trigger investigations into ways consumers are treated ... I am doing much better now though no one at Prosperity Bank ever bothered to ask if my son and I are ok? Or if they could do anything to help..Not at all..Instead I was set up to fail at every turn thanks in large part to logic going out the window by artificial intelligence that has blown many a scenario way out of proportion ... So much so that folks no longer act in a normal manner and people have lost the ability to trust other people ... As a result open dialogue rarely exists anymore ... I thank Prosperity Bank for reading these complaints and for taking into consideration the stress and duress I was under on the weekend of XXXX first and second ... Also that by my behavior on the morning of XX/XX/2020 it is plain for all to see that I am truly sorry for things I said in a moment of emotional intensity ... Prosperity Bank did not act in my best interests that is plain for all to see ... If I were an unsafe person then the way I was treated by the staff at the XXXX XXXX Prosperity Bank Location could have served to escalate an already unpleasant situation caused by an abusive algorithm used in artificial intelligence for excessive fraud alerts and restrictions when no fraud existed at all ... Which then set forth in motion a series of events that could have gone horribly wrong for many people ... I have acted in good faith to de-escalate my part in this mess ... XXXX also acted in good faith to likewise de-escalate this artificial intelligence mess ... It is now time for Prosperity Bank to continue to de-escalate rather than escalate this AI mess any further ... I ask that you consider XXXX 's kind response and follow the good and kind example of how XXXX treated me in this matter XXXX 

Ms. XXXX, We have received your CFPB complaint concerning our Fraud Guard service. As you know from our previous conversations, Fraud Guard offers protection on consumer debit cards by providing notification of suspicious activity and account freezes. The parameters surrounding these alerts are set by the financial institution that issued you your payment card, in this case Prosperity Bank. We can confirm that pursuant to our earlier conversations and your request, we have turned off the alerts even though that has disabled the alert feature. Finally, we have reviewed your call recordings which reflect that our agents were polite, courteous, and responded to your requests in a professional manner. I believe that this should satisfy your complaint. Sincerely, XXXX

Company response to consumer: Closed with explanation