Consumer complaint received 2021-05-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have been fighting Bank of America since XX/XX/2016. 

I would like to dispute these two accounts reported to XXXX. I was in college maintaining my own account and then added my little brother to it so he can manage his money better and closed my personal one months before the incident occurred because I no longer wished to bank with them due to prior issues, but I kept my brothers opened so he wouldn't be penalized. As you can see, they tried to log the accounts as two separate incidents on different dates, which is false because my account was already closed. There should be only one incident logged as fraud which is also inaccurate, as no one truly investigated and just chose to accuse my brother. I am not trying to protect him at all and have no qualm with providing his information instead, however, I was never given the option to and why should I suffer for someone else 's mistakes? It's clear I had no activity within his personal account. 

While I was in college, I received a letter in the mail indicating there was fraud on the account. I hurried and called BOA to get additional details and was told that someone tried to cash a {$1400.00} check to the account. I had no awareness or any supporting documents as it was sent to my permanent home address not campus. I called home to ask and was told they had no knowledge of a check being cashed and I told BOA. 

The fraud specialist was nasty and quickly told me well your brother is young and this is what they do. I saw the copy of the check that was to be cashed and realized it was in cursive and looked like it was written by an older person, I know my brother has terrible hand-writing and can not even write in cursive nor does he know how to write a check. There was also an image of an older woman at the ATM that BOA failed to investigate and just decided to go based off of their assumptions. 

It has been over 5 years now and I have not been able to open a bank account, get loans, or do anything in my early and late 20 's because of this issue. I have tried to write letters, write to XXXX XXXX  and contact bank of america to no avail. I have no problem providing my brothers information ( and they already had it ) since that is who they wish to accuse. I understand it was under my name, but my account was closed, and I had absolutely nothing to do with this. 

I have no supporting documents as it has been years ago and nothing was ever sent to my school address. However, BOA can verify my account closure date, the picture of the check, the ATM photo, and the documents I sent to them. It makes zero sense why I am still connected to this and the ATM evidence was never looked into. That would quickly verify the identity of the person. 

I hope someone could please look into this because it has been ruining my financial life. I appreciate any assistance with this issue. I have looked online and have seen many people with similar issues with BOA. It's amazing how they are one of the co-owners of XXXX  and they have the ability to ruin people 's lives because of poor investigations and misconduct.

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