Consumer complaint received 2022-08-10
Company: FIRST NATIONAL BANK OF OMAHA
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
XXXX On the XXXX XXXX, my wallet, XXXX credit card in it, XXXX XXXX, sun glasses were stolen from my car at XXXX gas station while i was buying the drink inside. There was personal information ( photocopy of my personal documents, and credential files for my online accounts ) in the flash memory drive. I reported it and got incident report number. 
After a few days on the XXXX XXXX I got a security message about a fraud activity that {$4000.00} transaction attempted with this stolen card. I didn't recognize it and declined it in order to block the card. I got this message twice for XXXX attempted transactions. Then i checked my online account in the app one of {$4000.00} XXXX  was illegally purchased into my XXXX account. I understood that my bank and other personal information was stolen and misused. I immediately called the Fraud Department of the XXXX XXXX  and reported it. I explained them that the card and my personal information were stolen and misused. The bank started investigate the fraud and credited the money into my account. I also contacted to XXXX, and explained them my information was stolen and misused then there was happened {$4000.00} unauthorized transaction which has not been executed from my side. 
They didn't listen to it and not accepted, demanded {$4000.00} which i had disputed it with the bank. Then one month later the bank called me and said we had your personal information, documents from them and we think it has been done by you and we charge or put that {$4000.00} on your account. 
I asked these docs from XXXX ( investigator from the banks ), she promised me to send them but then did not send. 
I had not provided any personal documents to XXXX, not earlier and no later. And although i have used their service, i have never used that bank card information for any transaction. 
I explained the same to the bank. The bank mentioned, " we can't consider it fraud if you used their service before. '' They didn't listen to me and blamed me. 
I have my account at XXXX but i had not used this bank information for any purchase at XXXX. It is not recognized by me, and they don't have any proof that this card was used before on this website. They just didn't listen to me, do what they want and using their power. 
So I disagree with this illegal transaction and decided to raise a claim and provide my proofs. I want the bank does its credit card obligation in in front of me based on the credit card agreement and remove the {$4000.00} credit from my account in a short time unless my credit score not damaged. I am not going to pay that {$4000.00} because somebody has misused it, i have not done this purchase for nothing. Merchandiser can understand it, can easily return it to the bank because there was nothing instead. 
Please, help me on that issue that the bank does his responsibility. 
Thanks XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation