Consumer complaint received 2017-12-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
This is a continuation one my complaint # XXXX Dear Bank Of America, I am honestly wondering if you read my complaint or you just have a template which you use standard to respond to complaints. Because I do not have time to be busy submitting complaints every day although I will do it until my problem gets fully resolved. My complaint in a nutshell to make things fast, is that due to the fact that I have tried four times this year to open a Bank of America account and I was the denied I was told/discovered that as Bank Of America told me the reason I am not able to open an account is because they see I once hade an account with them and it was closed. My complaint was ( please read is this time ) I never in my life open nor had nor have been joined to any bank of America checking and or savings account again Ill repeat ; NEVER NEVER!!!! 

In other words I am coming with a complaint that you are denying me of Opening an account for the reason of alleging me not allowing me to open an account because you are alleging me to be or have been one that once had an account with Bank of America and something happen with it I honestly dont know know and I honestly do not care. 

Now you have caused me two problems, the first problem is you did not answer my complaint. I do understand you have terms and conditions, I do understand that you have a policy that you are allowed to close an account without any reason whenever you want, and I do understand that you do have a very beautiful statement in my name back from XXXX. But how does that address my complaint? And to remind you my complaint is I never opened an account not in XXXX not in XXXX and not in XXXX. I NEVER!!!!!!!! 

Once again since I believe you do not read new complaints I do want to remind you to read my complaint. My complaint is that you have and fraudulent information in your system and you are blaming it on me and victimizing me! However, I am not alleging that you made up these documents which you so nicely provided and in case I forget I want to thank you now for it. What I am saying is that because you have fraudulent documents in my name you have a legal obligation to investigate who committed this fraud and who opened this account using my name. 

55 million Americans are victim of identity theft, in XXXXXXXX New York where I live has the highest percentage rate which is 38 % of people that are victim of identity theft. And lastly I am A gigantic victim of identity theft, because in XXXX when things were out of hand I filed the claim with the local police department which conducted a very lengthy investigation and gave me a police report which is on file in the criminal justice department or in the criminal Records department located in XX/XX/XXXX New York. 

Let me start by making it simple. First please respond to me how in the world does your response to my complaint address anything related into my complaint? And where exactly do terms and conditions and the fact that you have the ability to close accounts come into the picture at all? 
Then I would like you to answer me how dear in the world did you allow somebody to open an account in my name, and not only that but when I called in complaining hundreds of times you never gave a XXXX to even investigate it. So I am informing you that you have a legal obligation to investigate it and letting me know who was the fraudster so I can report it to the local law-enforcement agencies.

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