Consumer complaint received 2026-03-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: MOUNTAIN AMERICA FEDERAL CREDIT UNION
State: UT

Complaint narrative:
I am submitting this complaint regarding Mountain America Credit Union, which has failed to properly address a case of identity theft and fraud involving accounts and loan applications opened in my name without my knowledge or consent. Despite providing a police report confirming the fraud and disputing the matter XXXX, Mountain America Credit Union has refused to correct the issue or remove the fraudulent activity from their records. As a result of this unresolved fraud, I have been negatively impacted and continue to have my name associated with accounts and loan applications that I did not authorize. Incident Overview I discovered that fraudulent activity had occurred involving my personal information. Accounts and loan applications were submitted under my name without my authorization. After discovering this fraudulent activity, I immediately filed a police report confirming that I was a victim of identity theft. I provided Mountain America Credit Union with a copy of this police report and supporting documentation. Despite this evidence, I have disputed this matter XXXX, and Mountain America Credit Union has failed to take appropriate action to resolve the situation. They have refused to remove the fraudulent accounts and loan applications associated with my name. Because of this failure to correct the fraud, my personal information remains tied to accounts and loan applications that I did not authorize. Legal Violations Mountain America Credit Unions failure to properly investigate and remove fraudulent activity may violate the following consumer protection laws : Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681 Under the FCRA, when a consumer disputes fraudulent accounts or information, the financial institution must conduct a reasonable investigation and correct or remove inaccurate information. Despite being provided with a police report confirming identity theft, Mountain America Credit Union has failed to correct the fraudulent accounts and loan applications. Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692 Consumers have the right to dispute fraudulent debts or accounts. By refusing to remove accounts and loan applications created through identity theft, Mountain America Credit Union has failed to properly address a valid dispute. Identity Theft Utah Code 76-6-1102 The unauthorized use of my personal information to open accounts and apply for loans constitutes identity theft under Utah law. Supporting Documentation I have attached the following documents to support my complaint : A copy of the police report from [ insert police department name ] Case Number : [ insert case number ] Documentation showing fraudulent accounts opened in my name Documentation showing loan applications submitted without my authorization Request for Resolution I respectfully request that Mountain America Credit Union take the following actions immediately : Conduct a proper investigation into the fraudulent accounts and loan applications opened in my name. Remove all fraudulent accounts, loan applications, and any associated records from their system. Ensure that no negative or inaccurate information related to this fraud remains associated with my name. Provide written confirmation that the fraudulent accounts and loan applications have been permanently removed and that my name has been cleared of any fraudulent activity. I have already disputed this matter XXXX and provided a police report confirming identity theft. I am requesting that this issue now be resolved promptly and in compliance with federal and state law.

Company response to consumer: Closed with explanation