Consumer complaint received 2022-10-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX I received an email from my financial monitoring company saying a change had been identified in my credit. I then logged on for details and found that I new credit hard had been open in my name. I never opened a credit card with Bank of America ( BOA ). 

Information on credit report- XX/XX/XXXX a XXXX XXXX at Bank of America was open with a limit of {$22000.00}. 
It said number was XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX I called Bank of America XXXX XX/XX/XXXX and inquired about the account. I was told they did see an account in my name. I reported it as fraudulent. I wanted more information on how this could happen but had to go due to life demands. 

I then called on XX/XX/XXXX and received several transfers over 43 minutes at which time I had mentioned that this was a fraudulent account multiple times. At this point it appeared that this card is closed but I requested written information on how this even happen which they have not provided me. 

XX/XX/XXXX I received a letter saying that my application had been approved for an application for a credit card of XXXX. I have not opened a credit card with Bank of America. I had even already notified them that this was fraudulent. 

I called again on XX/XX/XXXX to ask for information regarding how a card was opened in my name. 
The first person I spoke with XXXX from the the BOA Fraud Applications department at XXXX who gave me the following information about the application. 
XXXX was an online application reference number XXXX from IP number XXXX located in XXXX XXXX CA ( This is not my IP address or city of residence ). 
She then said I would need to be transferred to another portion of the fraud department ( she could not provide me with a number ). When transferred I received a recording saying my claim had been made and they would be sending me a new card in 10 days. ( I reported fraud not the need for a card. ) I then called again to XXXX to get more information and ask how this account could even still be open after reporting it as fraud multiple times. She said to me that it had been close and she could not see it open and is unsure why they would say that. I asked for written information that the account was close and she said she couldn't provide that but she could send me a copy of the application. I agreed that it would help but still want more information which they have not been able to help me with. She gave me a case Id # for the application request XXXX. 

My credit report still show a credit card with BOA and I need help holding Bank of America responsible for letting the fraud get through and providing me with information that the account is closed and how they can help make sure it is removed from my credit report. 

Please help.

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 non-monetary relief