Consumer complaint received 2019-07-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I am a retired veteran, XXXX percent XXXX XXXX by the VA, all service related, connected and permanent.

I served for XXXX years as an XXXX XXXX XXXX XXXX, XXXX XXXX in XX/XX/XXXX.

The entry in question refers to a Bank of America credit card, or some other product from B of A.

( XXXX  ) I have not dealt with this matter in some time, I believe the last notice I received with regard to this account was approximate

ly six months ago, I have not been able to locate that document as of right now. This came to the front and center again as I was trying to obtain a refinance on my mortgage, with XXXX kids freshly in college I was trying to refinance to assist with all of the incoming debt to follow, this was brought to my a
ttention, and I immediately contacted you all after their recommendation to do so.

The report states I opened the account in XX/XX/XXXX, with XXXX in XX/XX/XXXX.

I was still XXXX XXXX in XX/XX/XXXX, retiring soon thereafter, immediately taking a job with an agency that demands extremely solid credit, personal interviews, polygraphs.

I was also going through a divorce at this time, up until this supposed delinquency, I had perfect credit, the last thing that I would have done is open an account when I had plenty of other means, getting divorced and starting with a new employer, going down

the road of not paying my bills, it is the last thing I would have ever done, my livelihood is dependent on not doing so, quite literally. When I first started to received calls, and mail, I made it clear to the reps that I had no idea about the account, had never held a Bank of America card in my possession other than the one I w
as issued from work in XX/XX/XXXX, a government account, no relation to this one.

I had zero record of such an account, no recollection of the account, and I was unable to get any information regarding the account such as application information, charges, statements, any proof that it was mine.

I asked for this information many times, I was given the same answer, that I would not be able to get that information and I needed to pay the bill.

I have a very strong suspicion that I know who opened the account in my name at the same time I was retiring, getting a divorce, starting a new job and beginning many years of extended trips overseas to XXXX, and other war zones.

They refused to look into this suspicion at all, and they refused to furnish me any information whatsoever, the calls and mail continued, it was not constant, but it happened steady over the years, I never changed my story because it is true, I have been diagnosed and awarded XXXX  for XXXX, XXXX, XXXX XXXX   and XXXX XXXX, but even so, I would absolutely remember this account, some part of it if it were mine, I have recollection of every other account that is actually mine, it is odd that this would be the exception.

I also made it clear to them that if would not be possible for me to pay towards this account, or compromise with them not knowing the account was mine, but I did submit that if they proved it were mine that I would have taken care of it, I would be held accountable at work for not doing so, a serious grounds for dismissal offense.

I did have a rough period of time further down the road from the date they alleged I opened this account in XX/XX/XXXX, I had no financial hardships whatsoever in XX/XX/XXXX, and as I have state over and over, no recollection of this account.

After XX/XX/XXXX financial crisis and a subsequent unemployed period of nine months after XX/XX/XXXX, I had some challenges financially until my new job started in XX/XX/XXXX, but that has no impact on this unknown account mentioned.

I will furnish any and all information I have at anytime if you contact me after receiving this and need more information.

You can contact me at anytime if you have the need, I appreciate all of you're help with this matter. Thank you very much. Respectfully.

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