First electronic bank I never heard about this bank , but one day i got one bill from them which says i have to pay there 1600 $ . I call them to let them know that was not me who open this account but they keep effecting my credit score . I read lot of same complaints about this bank many people face same problem i think this just a one fraud bank which is making many with fraud all innocent people Salt lake Salt lake

Go to FTC.gov and look up the procedure to follow when your identity has been stolen. First thing is to file a police report. There are other steps to follow thereafter.  Make sure you download your credit reports first so you can see if any other accounts/credit cards/tradelines were opened up in your name.  Do this right away so you can stop the damage. Check legitimate credit websites for the steps you need to take to freeze your credit so no other accounts can be opened. Good luck.