Consumer complaint received 2023-11-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: FIRST UNITED BANK AND TRUST COMPANY
State: OK

Complaint narrative:
After noticing negative reporting FIRST UNITED BK & TRUS to credit file of XXXX XXXX XXXX I initiated a verification letter to FIRST UNITED BANK, completely unaware of account and unknown of any the negative information being left by the bank on my credit report pertaining a auto loan and repossession that I did not authorize or consent to also never have done business with first United Bank out of XXXX Oklahoma that is over an hour and a half South of where I lived in XXXX, Oklahoma The demand letter send XX/XX/XXXX was a Validation of Contract and Debt and request for information of account XXXX As after contacting the bank via phone call and raised my concerns of unauthorization and what appeared to be fraud and identity theft the bank said I would have to formally write them and there was nothing I could do over the phone, I did not agree or believe that was satisfactory however wasn't giving any other choice and prepared demand letters and sent them to : FIRST UNITED BANK & TRUST XXXX XXXX XXXX XXXX XXXX, OK XXXX A short time later I had received a response back from bank staff : XXXX XXXX from XXXX that provided some of the information i requested and the credit contract naming : XXXX XXXX as buyer and a Used car dealer, XXXX XXXX, in XXXX Oklahoma as seller and assignment of seller 's Interest in contract to FIRST UNITED BANK dated XX/XX/XXXX, also provided was a Copy of a Certified Statement and repossession and a NOTICE for a XXXX XXXX XXXX. 

Sent by FIRST UNITED BANK via USPS to a address in XXXX Oklahoma, in the name of XXXX XXXX dated XX/XX/XXXX I contacted the USPS office in XXXX Oklahoma to validate address on certified letter sent from XXXX XXXX BANK and the XXXX staff that could not validated address and wasn't currently in use or that it could be a bogus address. 

Upon receipt of aforementioned documents, I began an audit and investigation into matters pertaining to loan # XXXX, and discovered Credit Provided on the behalf of XXXX XXXX XXXX in sum of {$14000.00} and Payments deducted by FIRST UNITED BANK in the sum of {$9100.00} from funds held in deposit in My Business Checking Account : XXXX XXXX XXXX XXXX XXXX, an Oklahoma Company w/Service of Process address of XXXX XXXX XXXX XXXX XXXX, XXXX Registered Agent XXXX XXXX XXXX Service of Process address of XXXX XXXX XXXX XXXX XXXX, XXXX Further I would engage in correspondence back and forth with First United Bank and XXXX XXXX for over a year and myself providing ample in-fact-proof that the contract was invalid done without my consent and authorization and that the vague information they had wherein First United Bank remotely approved an application from a used car dealer in XXXX, Oklahoma that failed even to validate the information was correct by making the person who made the fraudulent credit application to even produce a photo ID or other matching identifiers that would have flagged the transaction as fraud Also I learned XXXX  app was done remotely so the fact is First United Bank staff never even meet the person submitting credit application or even speak to them over the phone before funding credit app. that was done fraudulently and damaged me and to add insult to injury and to my disbelief not only did First United Bank deny resolve issue in anyway they further despaired the injured party and victim to Identity-theft that is myself by, Reporting fraud misinformation to my credit file that continues to this very day in XXXX of XXXX the negative remarks on my credit file further disparage and causing harm and injury without any authorization to do so and after being made aware of unauthorized transaction Contract Form No. 533-OK-ARB and FIRST UNITED BANK 'S authority to enforce the terms is Void and appears to Claimant to be the works of Fraud and deceptive practices by original Seller and possibly FIRST UNITED BANK as they failed to act after being made aware of issue when they had the duty to due so. 

Claimant has never owned a XXXX, never had an insurance policy on a XXXX XXXX XXXX XXXX 's only XXXX XXXX. 

Pursuant to : 15 USC 1692d SS 806 1. ( 3 ) The publication of a list of consumers who allegedly refuse to pay debts, except to a consumer reporting agency or to persons meeting the requirements of section 1681 a ( f ) or 1681 of this title.

11. ( 9 ) The use or distribution of any written communication which simulates or is falsely represented to be a document authorized, issued, or approved by any court, official, or agency of the United States or any State, or which creates a false impression as to its source, authorization, or approval.

111. ( 1 ) The collection of any amount ( including any interest, fee, charge, or expense incidental to the principal obligation ) unless such amount is expressly authorized by the agreement creating the debt or allowed by law. 
IV. ( a ) It is unlawful to design, compile, and furnish any form knowing that such form would be used to create the false belief in a consumer that a person other than the creditor of such consumer is participating in the collection of or in an attempt to collect a debt such consumer allegedly owes such creditor, when in fact such person is not so participating. 
V. Deceptive and predatory lending practices lack full and honest disclosure.

FIRST UNITED BANK by way of a deceptive contract usurps XXXX in CREDIT for organizing a loan and pulling Line of credit from original creditor by the lack of Consent and full and honest disclosure. 

FIRST UNITED BANK has caused duress to XXXX XXXX that was not necessary also I never did business with FUB Total loss of Credit of loan [ XXXX ] {$14000.00} Deposits Paid in unauthorized overpayment {$9100.00} XXXX : Time and Labor and Investigations XXXX XXXX hours- {$770.00} XXXX : Time and Labor and Investigations XXXX XXXX hours- {$770.00} XXXX : Time and Labor and XXXX XXXX XXXX hours- {$770.00} FIRST UNITED BANK AND TRUST and staff willfully violate the following laws : Violation of the Fair Credit Reporting Act Violation of the Fair Debt Collection Practices Act and Slander and Defamation of Character

Company response to consumer: Closed with explanation