Consumer complaint received 2022-01-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
After a recently submitted complaint to CFPB about an identify theft and fraudulent act committed toward me by Bank of America, XXXX, and XXXX XXXX, I received a call from a BANK of America representative after I was emailed that they were to respond to CFPB. I wasn't asked anything but if I would like to discuss anything with her, the representative, about the matter. This came off to me as " guilt '' or confession to the alleged act toward me. This person then said to me they would " let me know something or make a decision '' in a few days ; as if I was under an " approval application '' standard! ; after replying " no '' to the question but then explaining just a few details about the matter as a courtesy. This Bank was asked to respond to CFPB, not me. I'm complaining about this BANK and the credit reporting agencies attempting to make this a matter of approval of a simple bank account, which it is not! Because of this, my name should definitely be removed from these 3 agencies ' files completely and never placed back into the system unless and/or until a civil court Judge rules favor for so. The documents show proof of intent to lie to the government or harm the recipient, myself, either physically or criminally through cybercrimes. This call was posed as threatening ; by attempting to place me under an illegitimate " application approval standard '' concerning this fraudulent credit reporting matter ; which reads XXXX $ monetary loss ; without including CFPB. Therefore insulting the work and objectives of both XXXX XXXX and XXXX XXXX ; which is to record actual " fraud '' involving " CHECKS '' and transactions that abundantly exceed the amount of {$0.00} in loss Page 3 of the attached file : After receiving the consumer report from XXXX XXXX, I am able to see that, I, the consumer requesting the report, should have my file deleted immediately. 

The incident date in the file does not match the date the account was closed or ANY DATE IN BETWEEN the opening and closing of the account. This proves that no such incident occurred and that the bank should be held accountable. And that so, by clearing my name and deleting this information on file immediately. 


Account opened : XX/XX/2017 Account closed : XX/XX/2017 That any manner of transaction or attempted transactions, if any, were authorized and proves " wrongful suspicion '' Incident Date : XX/XX/2017 Principal Loss : {$0.00} Contribution Reason : Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner. 

The bank account was closed at this time. Any card from the institution also deactivated on date of account closure Open Date : XX/XX/2017 Close Date : XX/XX/2017 Current Account Status : Closed XXXX XXXX Previous Account Status : Closed For Cause Date of Last Status Change : XX/XX/2017 Name : XXXX, XXXX, XXXX Email Addresses : XXXX Balance Information : Month/Year Balance XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$0.00} XX/XX/2017 {$10.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation