Union Bank not willing to cooperate with Identity Theft victim

Posted Fri May 25, 2012 4:37 pm, by Dennis S. written to Union Bank California NA

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A few months ago I received a collections letter in the mail and since I did not recognize the account I pulled my credit report. I was shocked to find that my identity had been stolen and I had 14 derogatory accounts, of those many were for utility companies in Texas where I have never lived. Since then I have followed all the procedures and have spent countless hours providing all the companies with the documents they asked of me to clear my record. All have been very helpful and sympathetic including Bank of America who was really great. But UNION BANK was beyond HORRIBLE. Not only was the agent rude and didn't care at all that they were reporting a charge-off for a charge I never made in the first place (I have proof I was thousands of miles away when the charges were made) but she declined to even look at my documents proving my case. She simply stated "we do not allow disputes after 60 days". She then offered to accept 50% of THEIR charges which is over double the amount of the original disputed amount for which they have not provided any type of statement showing what the fee's they added are. Money not being my main concern I reluctantly agreed so long as they remove the derogatory credit remark. But NO, they won't even do that. Her response "we do not make deals with debtors". When I tried explaining to her for the 3rd time that this isn't even a valid debt, I was over 1,500 miles away from the place the charge occurred and can show her evidence (hotel receipts, employer records, charges, etc.) she again said "as its more than 60 days we cannot process any disputes". I was ready to pull my hair out, its as if she totally blocked out any and all logic and just went with the 2 lines she was taught to respond with. VERY FRUSTRATING! Meanwhile Bank of America, even though it was more than 60 days past the fraudulent activity date, investigated and immediately sent me a letter apologizing for the incident along with a refund all in a very courteous and timely manner. Probably why Bank of America is still around and Union Bank branches are now Chase branches.

I would like Union Bank to do the right thing and cooperate with a victim of Identity Theft. I am not asking for a hand out of any kind. I am simply asking Union Bank to look at the facts and clearly see that the charge was not my charge. If they are unable to go back into their records and don't trust my records as the Union Bank branch that held my account is no longer there, I am even willing to pay the amount of that fraudulent charge as it was only $300 if they would delete the derogatory remark on my credit file.

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RESOLVED by Dennis S. Posted Tue September 18, 2012 @ 3:22 PM Union Bank came through and made things right in the end. The lady from the Office of the President was extremely cordial and nice and worked hard at getting my issue resolved. I would like to thank Union Bank for replying to my original complaint and helping me fight my identity theft case. Reply Re: Union Bank not willing to cooperate with Identity Theft victim by Dennis S. Posted Wed May 30, 2012 @ 5:54 PM I wanted to update this as I just received a call from the office of the President of Union Bank. The lady who called was extremely polite and apologetic. She said she would look into my case further and advice me within the next 2 days of how they would like to proceed. She also ensured me that I was now dealing with the highest level at Union Bank and that she would do everything she can to help me out. I hope this will be resolved soon as my business is suffering since I cannot get a descent credit card with the derogatory remarks on my file. I will update again when I hear back from Union Bank. Reply Re: Union Bank not willing to cooperate with Identity Theft victim by Rowdy R. Posted Tue May 29, 2012 @ 9:17 AM Perhaps you should have had your credit report frozen, that way no one can open up anything under your ss number without your authorization. Personally I wouldnt pay any debt that wasnt mine Good Day Reply Re: Union Bank not willing to cooperate with Identity Theft victim by Kentucky Gal Posted Sat May 26, 2012 @ 1:33 PM Identity theft is horrible, and I hope this is straightened out for you soon. Reply Re: Union Bank not willing to cooperate with Identity Theft victim by PepperElf Posted Sat May 26, 2012 @ 8:09 AM you say you "followed all the procedures " one of the procedures you need to consider is contacting each credit reporting company to dispute that mark then if that doesn't work you might want to try legal counsel Reply