Complaint sub-issue: Reporting company used your report improperly

XXXX XXXX violated several laws and regulations on my credit card account.

1. XXXX XXXX closed the entire account and credit card without my direct consent.

2. XXXX XXXX closed the account and credit card without notifying me through any form of correspondence, email, call, or text message.

3. XXXX XXXX illegally placed a derogatory statement on my credit history, which has effectively trapped me in an apartment and prevented me from buying my second home.

4. XXXX XXXX failed to notify me of the derogatory statement, as required by both state and federal law.

5. Upon calling XXXX XXXX to have this fixed, the XXXX representative provided false information, and provided contradictory information regarding the same questions multiple times - effectively preventing myself from mediating, arbitrating, or being provided any form of proper customer service.

6. XXXX agent advised that in order to re-open the credit card, I would need to RE-APPLY for the credit card entirely, which they advised could be at a higher interest rate. The account shouldn't have been closed in the first place - this is clearly an attempt to hike my interest rates. This clearly shows XXXX XXXX falsely closed this account during a racketeering effort against me. ( further proof that this is ongoing racketeering in item 13 below ) 7. I DENIED the request to re-apply, instead paying off the ENTIRE amount they claim was owed. XXXX then proceeded to run a credit check without my consent, in direct violation of state and federal law.

8.When I called them to ask why they ran my credit - the agent confirmed they indeed performed a credit check without my consent. When I pointed out how inappropriate this was, the agent offered to re-open the account - only if she could run a credit check a second time that day. I denied this request.

9. XXXX has refused to fix any of these issues, or provide proper customer service as described by both state and federal law.

10. XXXX  is currently attempting to steal funds from my personal bank account, and creating false fees on a credit card account that does not exist. After my XXXX account and card were closed and paid off completely, XXXX XXXX  is still attempting to Auto-Draft from my personal bank account ( XXXX XXXX XXXX - XXXX New Mexico ) on a monthly basis. Because I no longer use this old account, XXXX is currently claiming that I owe them XXXX for overdraft fees. Again, Im not an account holder with XXXX - as per their own agents. Yet they currently possess, and are actively using my bank account information - in order to steal funds in direct retaliation for asserting my rights as a consumer.

11. XXXX XXXX is now claiming I owe a {$15.00} late fee on this overdraft fee. Again, I am not an account holder with XXXX XXXX, and they should not legally have my bank information, nor should they be attempting to charge anything. AGAIN, this card was already paid off entirely.

12. XXXX XXXX, during the course of these issues, has retaliated by attempting to steal funds, creating false overdraft fees, and illegally running credit checks to intentionally damage my credit even further.

13. XXXX  committed nearly identical acts against my husband before we were married in XX/XX/XXXX, when my husband and I had no legal relationship documented, or any shared accounts. Between myself, and my husband, we can prove that XXXX XXXX is targeting random customers during a pandemic, using illegal racketeering efforts to obtain higher interest rates and permanently damage the credit of innocent people. This business has now ruined the credit history, and home purchasing ability of this entire family - due to negligence and violations of several state and federal laws.