Consumer complaint received 2023-02-28
Company: MUFG AMERICAS HOLDINGS CORPORATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
On XX/XX/2023, I have been a victim of Identity Theft ( specifically Impersonation Fraud ). 

I have been contacted by someone impersonating Union Bank employee reporting on fraudulent activities on my card. The fraudster spoofed the Union Bank 's customer service number and told me some people are using my card number and in guise of protecting my account from fraud, the fraudster obtained my personal informations, asked me to enter few codes ( later I learned this was likely for them to create fake account to wire my money away ), entered my online bank account and wire transferred total of {$8200.00} from my Union Bank Account ( {$7500.00} to XXXX XXXX at XXXXXXXX XXXX  and {$750.00} to my " wife at XXXX XXXX  XXXX - these are the informations I got from the bank 's Fraud Investigator XXXX XXXX who asked me to call her to confirm I did not make these transaction ). The fraudster asked me not to answer any other phone call saying that could be a fraud and at one point when I expressed doubt assured me by saying they are calling from the customer number listed on the back of my card... it was. I did not realize I was defrauded out of my money until the fraudster hanged up without giving me temporary User ID and Password for my bank account which they locked me out from. I called the Union Bank Customer Service number and found out there was only around {$50.00} left in my account and rest of the money there has been wire transferred out. 

My case was elevated to Union Bank Fraud Department and after opening a new account ( changing password, personal question everything ) on Friday XX/XX/XXXX, I filed a claim on Monday XX/XX/XXXX ( since the transfers were not posted yet at the point of Friday ). After talking to several claim department person, fraud investigators and branch managers and been given a run around and confusing information, today, XX/XX/XXXX, I was informed that the Union Bank has denied my unauthorized wire claim, their reasoning being I gave fraudster the information that allowed them to initiate the wire transfer. I have contacted office of XXXX XXXX to help with the situation. 

This is the money I have saved up to move to XXXX ( where I grew up and my parents live ) to start a new life and as without this fund I really do not know how to go on. I currently have little money in my bank from borrowing from family and friend and some from XXXX, and from the XXXX XXXX XXXX  which is ending soon. 

In addition to making fraud report to Union Bank, I have made reports to local police ( XXXX ) as well as FTC and FCC. Below are the pertinent informations : My Name : XXXX XXXX Union Bank Fraud Case Number : XXXX for account ending in XXXX Assigned XXXX : XXXX XXXX XXXX Office : XXXX Here is the address Union Bank gave me for any action or correspondence regarding this matter in writing : Union Bank XXXX. XXXX XXXX XXXX XXXX, Ca XXXX Police Report ( of Identity Theft ) Made XX/XX/2023. Incident XXXX ( to XXXX XXXX, serial number XXXX ) FTC Fraud Report Number : XXXX Ticket no. for FCC Complaints of Spoofed Number : XXXX After my claim was denied by the Union Bank, I have appealed with them ( and have talked with their Corporate Investigator XXXX XXXX ) and have authorized Rep. XXXX XXXX to inquire in my behalf to get my stolen fund back so I can go on and. In addition I will be contacting media and filing complaints to Consumer Finance Protection Agency now in hope of it would assist me in getting reimbursement somehow.

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 non-monetary relief