Consumer complaint received 2024-06-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: CULLEN/FROST BANKERS, INC.
State: TX

Complaint narrative:
To whom it concerns, I have been attempting to seek a resolution from Frost Bank for the past several month 's. Frost Bank proceed to lie in their response to the FED Reserve, and Continues to provide a signature card I did not sign. I believe one of their employees internally has conducted the identity fraud, and I also believe they authorized replacement cards that I never received. On or Around XX/XX/year> Frost Bank Opened a Checking, and a Savings Account in my name without my permission. Frost Bank Claims they received a utility bill and a copy of my drivers license which was stolen when my wallet was pick pocketed. I advised Frost bank that I did not apply for either account, and I have not visited their branches ever. Frost Bank closed the account in XX/XX/year>, after they filed disputes without my permission. I have not conducted any charges on either account, I did not register for their mobile banking. I did not receive any debit cards and I did not request any replacement cards. Frost Bank replaced the card 6 Times or so they say. They requested replacements and I was never sent any of these replacement cards. Or the original either. Frost Bank chose to replace the card 6 Times, again without my permission. I provided Frost Bank with an Identity Theft Affidavit, and Frost Bank has chosen to avoid reviewing my documents and instead went ahead and changed the email address on this fraudulent account to my email address. Without my permission of course. The Tax Refund check that was stolen was confirmed fraud, and Frost Bank had to issue a refund to the US Government for Processing a Tax Refund check that was stolen without my signature. The check did not have any endorsements. Which, already is a red flag. Secondly, Frost also stole my Retirement Check from the State of Texas Comptrollers office. I have filed an unauthorized claim for that as well. They will be requesting reclamation shortly. I did not authorize Frost bank to place my email address on these account 's either, and I do not want to see another email from this company. It's harassment and unacceptable. Spam. Frost Bank knowingly authorized these account 's. Which I have not conducted any charges on. I did not make any deposits to, and I did not make any withdrawals from or to these accounts. I believe it was their Branch Manager who has been making some of the charges. XXXX. As I have stated several times I am a victim of identity fraud/theft. Frost Bank authorized and opened two account 's without my permission and it's unacceptable. The only document Frost can provide is a signature card that IS NOT my signature. Frost bank has stolen funds from me, at the same time after opening these account 's anytime I try to reach Frost Bank about the situation they ignore my identity fraud claims. I have never applied for account 's with their institution and I will not be paying the XXXX XXXXXXXX they think I owe them. I do not owe for any charges I did not conduct, and Frost Bank has not provided sufficient evidence to provide any proof that I conducted the charges. The Signature card they signed in their branch does not match my signature. I do not tolerate the way I have been treated from Frost. Through the whole process they have become an abusive financial institution which attempts to cause harm to consumers and victims of fraud. I believe Frost Owe 's me monetary compensation at this point for the constant harassment and for the damages to my credit from their account they opened and utilized.

Company response to consumer: Closed with explanation