Consumer complaint received 2023-09-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Credit card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
IRS - fraudulent account made in my husbands name In early XXXX, I received a notice for a Bank of America credit card that I had no knowledge of. I first visited the local Bank of America to see if they could find out for me what was going on. They could only tell me that it was a legit account. When I called the Main office, I got nothing but a run around from them. The only thing I found out was that the card was apparently taken out by my late husbands name back in XXXX. I was told I was also on it as a user on this card.The strange thing is, I have had no knowledge of this, no monthly bills, no correspondence of any kind under that card. We did have two other cards with that bank so they definitely had access to all the pertinent information to creat a new card. They also had records of {$600.00} and {$700.00} dollars on the account. 
In XXXX, my XXXX  daughter was born and we were living on my teaching salary and a small sum from the VA. Not long after that we purchased our first house. Nowhere on our credit reports did this card show up. In the lattter part of XXXX we looked into buying our forever home. This time we were getting a VA loan. 
If you know anything about that, you must know that you have to have all your ducks in a row financially or you do not get the loan. Again nothing showed up. 
During the years from XXXX we have purchased several cars and a cottage down in XXXX XXXX  XXXX Again nothing showed up about this account when doing the financing. In XXXX, we worked with XXXX XXXX XXXX so that we could get all of our credit cards paid off. When they pulled up our credit report, nothing showed up at that time either. They were all sent letters asking if they would agree to work with this company and us and because we had two other cards with Bank of America I would have thought that it would come up then, but no questions from Bank of America at that time on this account and why it was not included. 
I have worked with the Fraud Department of Bank of America and they insisted that it was a legit account, but could not give me answers as to why I have never had any correspondence from them. I received notice of cancellation from the Bank in XXXX. At this point I also sent in a complaint to the IRS Fraud Dept., but because Bank of America says its legit, it is legit. I am now charged with {$9000.00} in back taxes on an account that is not mine. 
This is really a summary of what has gone on and it is stressing me out and effecting my health. Please any help you can give me will be greatly accepted. Im at a loss for what to do next. I should not have to pay for something that is not mine. 
In early XXXX, I received a notice for a Bank of America credit card that I had no knowledge of. I first visited the local Bank of America to see if they could find out for me what was going on. They could only tell me that it was a legit account. When I called the Main office, I got nothing but a run around from them. The only thing I found out was that the card was apparently taken out by my late husbands name back in XXXX. I was told I was also on it as a user on this card.The strange thing is, I have had no knowledge of this, no monthly bills, no correspondence of any kind under that card. We did have two other cards with that bank so they definitely had access to all the pertinent information to creat a new card. They also had records of {$600.00} and {$700.00} dollars on the account. 
In XXXX, my XXXX  daughter was born and we were living on my teaching salary and a small sum from the XXXX Not long after that we purchased our first house. Nowhere on our credit reports did this card show up. In the lattter part of XXXX we looked into buying our forever home. This time we were getting a VA loan. 
If you know anything about that, you must know that you have to have all your ducks in a row financially or you do not get the loan. Again nothing showed up. 
During the years from XXXX we have purchased several cars and a cottage down in XXXX NC XXXX Again nothing showed up about this account when doing the financing. In XXXX, we worked with XXXX XXXX XXXX so that we could get all of our credit cards paid off. When they pulled up our credit report, nothing showed up at that time either. They were all sent letters asking if they would agree to work with this company and us and because we had two other cards with Bank of America I would have thought that it would come up then, but no questions from Bank of America at that time on this account and why it was not included. 
I have worked with the Fraud Department of Bank of America and they insisted that it was a legit account, but could not give me answers as to why I have never had any correspondence from them. I received notice of cancellation from the Bank in XXXX. At this point I also sent in a complaint to the IRS Fraud Dept., but because Bank of America says its legit, it is legit. I am now charged with {$9000.00} in back taxes on an account that is not mine. 
This is really a summary of what has gone on and it is stressing me out and effecting my health. Please any help you can give me will be greatly accepted. Im at a loss for what to do next. I should not have to pay for something that does not belong to me. I need someone with legal leverage to come in and help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX XXXX XXXX  ething that does not belong to me. I need someone with legal leverage to come in and help. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXXXXXX 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