Consumer complaint received 2023-12-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened without my consent or knowledge

Complaint:
This is a letter detail the attempted fraud I sent to Bank of America... 

Dear BOA representative : I want to relay what appears to be an identity theft attempt on me that centered around Bank of America. I received a phone call this afternoon from a person who identified herself as XXXX, a BOA employee who wanted to alert me if a fraud attempt. She was calling me from a XXXX, Az. Number XXXX. Im hopeful that number is useful in getting to the bottom of this. 
She told me that a person named XXXX XXXX from XXXX, XXXX, had attempted to use my social security number that ended in XXXX ( her words ) to open a BOA credit card. She said the card was opened and ended in XXXX. I told her I did not apply for a new card and had no idea who XXXX XXXX was. She asked if I wanted to have the card process stopped, and nullified, and I said I did. 
She claimed to have taken care of it, but wanted me to talk to the XXXX XXXX XXXX ( there is such an entity, but its the XXXX XXXX XXXX. I was growing very skeptical at this point, and informed her it was bureau, not agency, and she said no matter, it goes by both names. 
She told me she wanted me to have the following two numbers before she transferred me to the agency, or bureau : Confirmation Code : XXXX Case ID XXXX By now I was more skeptical, but gave the OK for her to transfer me. I told the person I was transferred to that I was growing very skeptical and asked her how I could know she worked for the XXXX XXXX. She told me she was trying to keep my personal information safe, and told me the name of my mortgage company and the correct amount of the loan. She said she would give me her name, and a number to call back to reach her, to convince me of the legitimacy of her efforts. 
She claimed her name was XXXX XXXX and her number to be XXXX, ext. XXXX. I did call back and a receptionist routed me back to XXXX XXXX. She said I now must be satisfied this was a legitimate call, and I told her absolutely not. I said she could have given me any number and arranged that if I called back it would be routed to her. 
She grew angry at that point and said if I did not believe she was trying to help me on behalf of a government bureau there was nothing more she could do. She then hung up. 
I subsequently called Bank of America from a number on the back of my credit card and was told there was no evidence that someone had attempted to open a card. They had no record of XXXX XXXX. 
I also called the XXXX number listed above, and got a BOA recording. But when I attempted to use the prompts to reach an employee, I was cut off. 
Its elaborate with names, case files and some of my personal information. Im hoping the information helps you to get to the bottom of just what this is. 

Thanks XXXX XXXX XXXX

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