Consumer complaint received 2022-01-26
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
XXXX Reference Number : XXXX MY NAME IS XXXX XXXX. I AM A VICTIM OF FRAUD AS MY XXXX CHECKING ACCOUNT WAS COMPROMISED IN XX/XX/XXXX BY SOMEONE PRETENDING TO BE " XXXX XXXX XXXX XXXX  '' .THEY CONTACTED ME VIA EMAIL OFFERING TO PROVIDE ME WITH A SMALL LOAN WHILE I WAS WAITING ON A PPP LOAN TO COME THROUGH.THEY ASKED FOR MY BANK ACCOUNT INFO AND SAID THEY WOULD DIRECT DEPOSIT {$3000.00} INTO MY BANK. WHEN MY PPP LOAN CAME IN I COULD PAY IT BACK, RELUCTANT AT FIRST BUT I RESEARCHED CASH CENTRAL, SAW THEY WERE REPUTABE ONLINE, PLUS, THESE PEOPLE KNEW I WAS WAITING ON THE PPP. SO IT SEEMED LIGITIMATE TO ME. I WAS TOLD THE DEPOSIT WOULD BE THE SAME DAY, XX/XX/XXXX. I WAS LEAVING TOWN SO I STOPPED AT THE ATM ON MY WAY OUT WAS ABLE TO WITHDRAW FUNDS SO I ASSUMED THE LOAN HAD BEEN FUNDED .WITHIN THE NEXT 24 HOURS THEY DEPOSITED 3 FRAUDUANT CHECKS INTO MY BANK ACCOUNT AND XXXX THEMSELVES THE CASH .I DID NOT KNOW THIS WAS GOING ON. WHILE I WAS IN ARIZONA, I ATTEMPTED TO CHECK MY ACCOUNT AND WAS NOT ABLE TO GAIN ACCESS. I CONTACTED XXXX. THEY NOTICED STRANGE ACTIVITY SO THEY PUT A FREEZE ON MY ACCOUNT THE CSR ASKED ME ABOUT THE DEPOSITS AND XXXX TRANSFERS AND I TOLD HIM THEY WERE NOT DONE BY ME. I EXPLAINED THE SITUATION AND WE CLOSED THE ACCOUNT IMMEDIATELY!! HE TOOK A RECOREDED STATEMENT FROM ME. 
AT THIS TIME HE INFORMED ME THE INVESTIGATION WOULD TAKE 45 DAYS AND NOT TO OPEN AN ACCOUNT ANYWHERE UNTIL THE INVESTIGTION IS COMPLETE.DUE TO THE FACT THIS HAS BEEN GOING ON SINCE XX/XX/XXXX AND IS NOW XX/XX/XXXX THERE ARE LOTS OF DETAILS AND HAPPENINGS SO I WILL GET TO THE REASON FOR THIS COMPLAINT.I WAS TOLD THE INVESTIGATION HAD BEEN COMPLETE. 
I WAS TOLD I CAN OPEN AN ACCO0UNT. I WAS EVEN TOLD THEY FOUND THE PERSON RESPONSIBLE NAMED XXXX XXXX FROM OHIO. 
I WAS TOLD I OWED THEM MONEY FOR MY ACCOUNT BEING OVERDRAWN WHEN THESE PEOPLE COMMITTED FRAUD TO MY ACCOUNT. 
I ATTEMPTED ON NUMEROUS OCCASIONS TO PAY THEM BACK AND NO ONE AT XXXX WAS ABLE TO TAKE THE PAYMENT? ON THE PHONE OR IN PERSON AT THE BRANCHES I WAS TOLD I WAS IN GOOD STANDING WITH XXXX AND CAN OPEN ANOTHER ACCOUNT. 
I EXPLAINED TO EVERY PERSON I TALKED TO THAT I HAVE A FEDERAL GRANT WAITING TO BE DEPOSITED INTO A BANK ACCOUNT THEREFOR, THIS NEEDS TO BE DEALT WITH ASAP .IN XX/XX/XXXX I WENT TO THE XXXX BRANCH, AS INSTRUCTED, TO OPEN A NEW ACCOUNT. I WAS NOT ABLE TO BECAUSE SOMEONE HAD REPORTED ME TO CHEXSYTEMS. COME TO FIND OUT IT WAS XXXX! AND THEY ALSO REPORTED ME AS " THE THIEF ''!! 
THEY SAY I AM THE ONE WHO COMMITTED THE CRIME OF CHECKING ACCOUNT FRAUD!! 
I ATTEMPTED MANY TIMES TO COMMUNICATE WITH XXXX AND XXXX OF THEIR ASSET REOVERY DEPARTMENT AS WAS NOT ABLE TO GET ANY KIND ASSSTANCE, I SENT LETTERS AND EMAILS EXPLAINING THEY ARE DEFAMATIG MY CHARACTER AND IT SHOULD NOT BE ON RECORED THAT I COMMITED CHECKING ACCOUNT FRAUD!!! XX/XX/XXXX XXXX SENT ME A LETTER STATING " with this final letter, we consider the issue resolved. We will no longer respond to inquiries regarding this matter. 


" FULL LETTER IS INCLUDED. 
In California, a claim for defamation involves a false statement made by one person about another person, which causes harm to a person 's property, business, profession or occupation. ... 

ITS BEEN 5 MONTHS I HAVE NOT BEEN ABLE TO GET MY BUSINESS BACK UP AND RUNNING DUE TO THE FACT I HAVE NOT BEEN ABLE TO OPEN A BANK BECAUSE OF XXXX  False STATEMENTS BOUT ME TO CHEXSYSTMS AND UNABLE TO OPEN ACCOUNT TO ALLOW THE FEDERAL FUNDS I WAS GRANTED TO BE FUNDFED! 
THEREFOR I HAVE NOT BEEN ABLE TO WORK SINCE THE PANDEMIC! I LOST MY CAR, I LOST MY BUSINESS AND ONLY SOURCE OF INCOME, I AM ON THE VERGE OF LOSING MY HOME AND MY PHONE WILL BE SHUT OFF AGAIN NEXT WEEK! IF I LOSE THIS GRANT THAT I WORKED SO HARD FOR, I WILL HOLD XXXX COMPLETLY AND ENTIRELY 100 % RESPONSIBLE FOR NOT ONLY THE {$15000.00} GRANT, BUT THE INCOME/BUSINESS LOST FOR THE LAST 3 MONTHS, THE PAYDAY LOANS AS WELL AS ANY INTREST THEY GAVE INCURRED SINCE I WAS UNABLE TO PAY THEM BACK AS AGREED, WHATEVER IT COSTS TO RECOVER MY VEHICLE AND ANY AND ALL OTHER DAMAGES THE LAW WILL PROVIDE!!

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