Consumer complaint received 2023-10-23
Company: FIRST PORTFOLIO SERVICING INC
State: CA
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
TOTAL VISA XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, SD XXXX RE : Case ID # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX I received an incomplete letter you dated XX/XX/2023 with multiple pages of 15 missing and multiple pages of 10 missing. The cover letter states that your bank found me responsible for charges that are Fraudulent but the detail is missing. I have enclosed a copy of your letter and a statement of charges that do not belong to me from a previous card statement. Several pages are missing from your letter coming from a document that was to have included 15 pages and another that was supposed to have included 10 pages based on the tops of pages listing ( Page # of Total Pages ). I would like a complete letter resent to me for my review. 

In addition, my entire identity was stolen and multiple credit cards compromised, including the one associated with this claim. I discovered the theft when I received a call from XXXX XXXX that someone had opened a bank account in my name. I had not done business with XXXX XXXX. 

I am sending proof as follows that as a result, I took the following actions not limited to : Police Report Filed on XX/XX/2023 with XXXX Police Department On-line, Report XXXX FTC complaint filed under Case XXXX on XX/XX/2023 and updated Case XXXX XX/XX/2023 Froze credit report with all 3 credit agencies on XX/XX/2023 ( XXXX, XXXX and XXXX ) XXXX 
Enrolled in credit monitoring services on XX/XX/2023 at my own expense. 
Contacted all credit card agencies as soon as I was notified of any unauthorized charges with your company it was on XX/XX/2023 upon discovery which you confirmed in your letter dated XX/XX/2023. This letter was incomplete and not received at my home in California until XX/XX/2023 and I contacted you by phone at ( XXXX ) XXXX on XX/XX/2023, the date of receipt. 
I did not receive any of the goods purchased in the statement attached for {$400.00} with this account and I did not purchase these items. 
A fraudulent payment was applied to the account and appears to have been returned in the amount of {$250.00}. My account has normally been on autopay for its history. This payment was not made by me and I have verified with my personal bank that this did not come from my account and I am not familiar with this payment nor the account it came from. 

The investigation done by your office was done in bad faith and your written communication to me is incomplete. I am providing additional information to you to complete a full, fair and robust investigation of the fraud on this account. At this point, you are at risk for violating my rights as a victim of identify theft and my consumer rights, including misrepresenting what I owe and applying an unknown payment to a debt that I do not owe. The information you used to determine this was my responsibility in your cover letter was based on information I reported as stolen from me, such as my identify and address. I also reported to you it was being used locally, fraudulently based on charges I saw on the account. I explained that I had the original card in my possession, yet you decided it is the same card being used for the purchases, which is not accurate. Was there a check for cloned or reissued cards? You also based it on use of the card in my home town which does not mean that this was not theft. I also reported theft on my identify to federal and local police agencies. 

Based on what the criminals are doing with the account, they have my social security number, address, and have visited several places where I have never been both locally and online. They may have cloned a card and have made several internet purchases. They are also attempting to add themselves to my accounts as authorized users. I know none of these people and am not familiar nor authorized any of this activity. None of the addresses associated with the information you sent back belong to me nor are they associated with anyone I know. I am a victim of identify theft. 

I did not make any of the following charges and my card activity shows that it was dormant for a long period of time until fraudulent activity started occurring on this account. I also reported to you a fraudulent payment on the account that may have come from a phony account. Please remove my responsibility from all charges associated with the account. 

Being treated this way as a victim of fraud is stressful and I am not in good health. The added stress of your company treating me this way and telling me there is nothing you can do unless I prove more is so unfair to me as a consumer. This is ruining my credit and my life! I hope it never happens to you or your family. 

I am appealing this decision as your organization has not fulfilled its obligation to me as a consumer, in bad faith. I expect a robust review of the additional information I am providing and a chargeback for all of these charges amounting to {$400.00} on this account. 



XXXX XXXX Phone ( XXXX ) XXXX

Company response to consumer: Closed with explanation