Consumer complaint received 2025-09-10 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 may concern, On XX/XX/year> XXXXXXXX XXXX XXXX XXXXXXXX opened a checking account and savings account in my name without my consent. I did not apply for any account or service with this bank. I was supposed to receive a few US Treasury Checks in the mail, and I never received these treasury checks. I am not sure if they were intercepted or stolen from the mailbox. I do not have any other people living with me it's just me. On XX/XX/year> I was sent a check in the amount of {$11000.00}, and on XX/XX/year> I was sent a check in the amount of {$13000.00} Both checks were stolen and forged. I notified the Bureau of Fiscal Service on the first check on XX/XX/year>. That I did not receive my XXXX Treasury check ( Settlement Check ) That had been stolen. Bureau of Fiscal Service advised to me that the check was cashed. I advised it was forgery. Bureau of Fiscal service sent me a check copy, on the check copy it shows a signature but it looks like someone just hand wrote the name out on the check. That's not my signature. I have already advised on my XXXX that the signature is forgery and I did not receive the check. My identity was stolen and someone cashed this check without my permission or consent, and without my signature. Bureau of Fiscal service advised that the check was cashed at a Frost National Bank ( Frost Bank of TX ) I advised I do not have any accounts or relationship with Frost nor have I ever. I have been a victim of identity fraud. Someone stole my identification, and my other identifying documents. Bureau of Fiscal Service stated that on XX/XX/year> they sent a Notice of Reclamation Debit to a Frost Bank in the amount of {$11000.00} They stated they have recovered the funds but that they are waiting for Frost Bank to Sign the Notice of Reclamation Debit to allow them to debit the funds from the forged check and to return the funds to the US Treasury ( Bureau of Fiscal Service ) However so far Frost Bank has not responded. Will not sign the notice of reclamation and is intentionally ignoring the reclamation to retain the funds from the forged check. Which is causing me financial hardship because these funds were stolen from me and funds that I needed to be able to pay rent, and prescriptions and my utilities. However I can not do so when Frost Bank is intentionally holding the funds. XXXX XXXX sent this forged and stolen check to Frost Bank and Frost Bank cashed it. Without my permission or consent which means Frost Bank is responsible for sending back the forged funds to the United States Treasury. ( Bureau of Fiscal Service ) The second check for {$13000.00} Was also stolen This check was supposed to be mailed on XX/XX/year>. Again Frost Bank stole and cashed this check for XXXXXXXX XXXX XXXX XXXXXXXX. Which I have never conducted business with. I did not open any accounts with either institution. I did not sign any account documents nor did I receive any debit cards or any account statements. I was only notified by the US Treasury about where these checks went. Frost Bank once again Stole the {$13000.00} and I am requesting that Frost Bank do the right thing and sign the Notice of Reclamation debit as they are not entitled to funds from a check that is forged. Frost Bank must return these funds to the Bureau of Fiscal Service and not cause further financial harm to consumers of fraud. Lastly there was another check for {$660.00} that was cashed at a Frost Bank on XX/XX/year> or Around this date. Again this US Treasury check was stolen and forged. Frost Bank cashed all 3 checks. Frost Bank was sent Reclamation Debit Forms from the US Treasury for the {$13000.00} and {$11000.00} So far Frost Bank has not provided a single response to the XXXXureau of fiscal service, even though Frost Bank receives these Reclamations Electronically. Frost Bank is causing me severe financial harm. I am a victim of identity Fraud. These Checks were FORGED And Frost Bank allowed these checks to be cashed on behalf of XXXX XXXX at their institution. I am requesting Frost Bank do the right thing and return the funds by signing the direct debit form on the notice of reclamation. As I did not receive the funds in which I am entitled to, and since XXXX XXXX is their customer which cashed the check they need to withdrawal the funds from XXXXXXXX XXXX instead of delaying intentionally and causing me financial crisis. 
Check # XXXX Check Date XX/XX/year> {$11000.00} Check # XXXX Check Date XX/XX/year> {$13000.00} Neither Received checks stolen and Reclamation Debit requests awaiting Frost Bank Signatures.

Also Requesting the {$660.00} Check to be returned to the US Treasury as well.

Company response to consumer: Closed with explanation