Consumer complaint received 2020-11-11
Company: BOK FINANCIAL CORP
State: OK
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Around about XX/XX/2020 two accounts checking and savings was acquired through Bank of Oklahoma. In addition, the accounts were opened to transfer money from a job ( XXXX XXXX XXXX ) and to save money for rainy days and invest in future endeavors. On that same very day there was a conversation with Mr. XXXX XXXX a loan officer with the Bank of Oklahoma about squirting a secured credit line for the purpose of establishing a viable credit profile. On XX/XX/2020 a secured credit line was obtained through XXXX XXXX XXXX an affiliate of the Bank of Oklahoma. Nevertheless, attributed to the mishandling of information by the individuals within the Financial Institution private information was utilize to SPEAR PHISH a personal email address for the purpose of defrauding the consumer of building a reputable portfolio. In this email which came ( 17 ) days after opening the secured credit line, the perpetrator disguised himself as a affiliate with XXXX. Furthermore, this person offered an opportunity of making {$750.00} extra for allowing them to use the vehicle for advertisment of their company logo. How ever after excepting the off a check was sent to me from another supposed Financial Institution by the name of XXXX XXXX. {$200.00} was distributed and the other funds where placed on hold to establish funds availability with the other bank. Moreover, after ( 3 ) days funds were distributed to the account holder just to discover a few days later the funds where not available. Nonetheless, after it was discovered the check which was cashed was fraudulent a hold was placed on the account and eventually discontinued. However, the case for closing the account was not determined on a legitimate basis and was therefore terminated on other grounds which did not evidence the consumer was at fault. Arrangements where made with the Bank of Oklahoma to bring the account back into good standing but despite the efforts the account was nonetheless disregarded. Subsequently attributed to the allegations of fraud money 's which where saved in the savings/checking account {$370.00} was not given credit until after notice was given that the account was closed with funds available. Moreover, the Bank of Oklahoma secreted XXXX transfered through direct deposit from the form employer after the account was closed. I assert that what transpired through this transaction with the financial institution was a travesty of good business on the part of the financial institution having access to private information. The transaction which accord was strategically done to stop the advancement of a noteworthy credit file. Moreover the consumer was targeted by the financial institution due to race and or the XXXX of skin. Furthermore, the actions evidence that information being shared is responsible for the deception of a financial institution held to a higher standard than its constituents. It is believed that the actions were taken to the deprived the consumer of his right to Fair Credit Reporting Act and utilize to deframe and slander the reputation of the consumer.

Company response to consumer: Closed with explanation