Consumer complaint received 2023-12-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: FIRST PORTFOLIO SERVICING INC
State: MD

Complaint narrative:
My XXXX  XXXX  credit card or it might be called first access Visa I can't remember the name of the creditor. I do know all four of my credit cards were compromised/ hacked or credit cards unauthorized charges and that account I just applied for I do believe in XXXX of XXXX and made all my payments every month on time paid as agreed is being reported as I never paid ever and I got XXXX  on XX/XX/XXXX on that day I lost my wallet with all my cards social security card and my tablet all was in the vehicle I did not get released from the XXXX XXXX detention center until XXXX the XXXX XXXX I contacted XXXX XXXX credit card because I found out through other accounts that all my accounts have been compromised and fraudulent activity / charges were occurring I care about my credit so much that I even made two minimum payments or at least one while I was XXXX  from the XXXX XXXX  phone I told XXXX to investigate then and I have plenty of documentation to prove that I was incarcerated from XX/XX/XXXX XXXX the XXXX XXXX and there is no internet connection or tablets in that XXXX XXXXr there's no way in the world that it could have been me using the credit card or hacking into my online account or however the card was used I don't know that information but I do know that it's being reported on my credit report as I never made a payment and that is false all the way from the start because all my payments were made on time XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX and from the XXXX  XXXX of XXXX and I do believe I might even have paid XXXX 's minimum payment but none of that is being reported and this is unacceptable I asked XXXX XXXX XXXX  to dispute it through experience and I'm getting ready to contact XXXX and XXXX also about the dispute but I have plenty of documentation including a police report I filed stating that I was a victim of identity theft while I was XXXX  for 15 months I'm going to try my best to upload as many documents that I have saved on this device but I have any document that any investigator needs to prove that these are all fraudulent charges at the time I got arrested and incarcerated I do believe I had a balance of {$70.00} with premiere that's it because I don't have many credit cards and I had a zero balance with XXXX  XXXX and I can't remember my other one or two credit card accounts but I know everything after XX/XX/XXXX was fraudulent use and should and will be have to come off of my credit report and they will have to report fairly that my account is in good standards and is still open I do believe if I'm correct under the Fair credit reporting act just please investigate thoroughly and please contact me through my cell phone number or email address for any documentation that you might need to verify my identity for proof that I was incarcerated which that's easy in itself because anybody can get on XXXX XXXX case search and see I was detained for 14 months so please investigate thoroughly XXXX  XXXX  should do a better job since I reported all this way back in XXXX and called back in XXXX of XXXX and told them my account as possibly been compromised so this is unacceptable and I will not stop until it's off of all three credit bureaus and reporting properly as always paid on time and that I was a victim of identity theft or something along the lines I had a XXXX credit score when I got detained/ incarcerated in XX/XX/XXXX now my credit score is XXXX that is ridiculous and XXXX XXXX plays a big part in that especially reporting that I've never made a payment on an account that I opened up 5 months prior of me getting detained/ incarcerated at the XXXX XXXXXXXX XXXX XXXX XXXXXXXX  XXXX  needs to do a better job at investigating and reporting when customers call and tell them that their accounts have been possibly compromised

Company response to consumer: Closed with explanation