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How do you know if you are convicted of fraud

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I’m just thinking rational here because I had a overdraft a while ago that got my account closed which put me on chezsystems which is a program for financial insititutions to show “ABUSE” when opening new accounts for 7 years! Sometimes they even label the “event” as fraud even when th they person was not charged for fraud to show bankers they would not want to deal with you.Can someone actually be convicted of fraud without trial by simply a labeling and the FRAUD is on there record other then chezsystems which expires after 7 years

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I never been convicted or tried and there lame chezsystems can shove it.

            
        

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