Consumer complaint received 2021-12-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Even though I pay my bills on time and had almost an XXXX credit score a year ago, I have been trying to refinance and got trapped in a XXXXXXXX XXXX  predatory lending loop. 

I qualified for a $ XXXX HELOC loan back in XX/XX/XXXX and the funds were transferred to my account. Immediately after and continuing for the rest of the year, I kept dealing with bouts of fraud on other accounts owned by XXXX XXXX  so I decided to move my direct deposit paycheck to Bank of America. 

Right around that time, my employer of 8 years, out of the clear blue sky, accused me of " acting erratic ''. This was on XX/XX/XXXX. She spent the next eight months trying to get me institutionalized and declared XXXX so she could continue to defraud my bank account ( XXXX ). 

I was not aware until recently that she had been fraudulently collecting tax monies, writing checks from my bank account, and, after terminating me, while I struggle to get unemployment, I watched a paycheck get accidentally deposited into my bank account ... only to watch Bank of America WITHDRAW the check for my former boss and give it back to her. 

I've called Bank of America many times and asked why someone else 's phone number is on my bank account for verification. The reps tell me they will remove it and when I log into online banking it is still there. The number that does not belong to me is ( XXXX ) XXXX. 

I took this phone number briefly when my original phone number was stolen back on XX/XX/XXXX by XXXX XXXX... that phone number was XXXX. I've noticed that I can not disconnect XXXX XXXX from my longtime email XXXX and I think some of the fraud with the phone numbers and the online verifications with those numbers is happening through XXXX XXXX because when I lost my original phone number, I wasn't able to get into my long time email, XXXX. 

I had been upgrading my phone at XXXX and explained that I was simply ugrading, and needed just a new phone, same phone number. The employee took my phone to the back of the store and when he came back, I assumed my number had not changed. In a few hours, after returning home, I realized that he had changed my number and taken my SIM card. 

I tried to get my phone number back for the next 89 days and finally did. After that I was finally able to log into over 10 years worth of emails. I was even able to get into an old account that had been used by the phone number thief who had used a burner phone service and a XXXX account I'd created to steal my identity. 

On XX/XX/XXXX, both XXXX XXXX  and Bank of America closed my checking accounts on the same day. XXXX XXXX  took away my deposit accounts, making it more difficult for me to transfer funds in to pay my mortgages ( which I'm trapped into anyway because of the HELOC that is on my credit report that they JUST FINALLY gave to me after taking it away for 8 months ) and Bank of America closed my deposit accounts, and left me with some oddly high ( $ XXXX ) credit card bills and proof that someone had been writing checks with my account and likely laundering money through both my XXXX XXXX  and XXXX Bank of America accounts. I was unemployed in XXXX but somehow over {$11000.00} passed through my BoA account. 

When I leave the XXXX branch, I always get a phone call and an offer of help from XXXX, XXXX of the bankers who works there, but it's only by text or a hang up call and no help is offered. The same thing happened the day I most recently changed my phone number, the woman who helped me set up my phone had test called me and she then called me later that night and hung up. 

I complained to CFPB about XXXX XXXX  and their violations of the FCRA and Homebuyers'/Homeowners ' rights and after XXXX XXXX promises of help from XXXX XXXX, XXXX finally gave me the money that was mine originally for my HELOC loans. 

I'm circling the drain here with B of A because I've asked for copies of my credit card statements multiple times and they have not been sent to me. I've called multiple times and asked them to remove XXXX ( XXXX ) XXXX from my bank account, because it is not my phone number anymore. The most change I've received is the old phone number getting LOCKED as the permanent number to use for verification because the " owner '' of it ( most likely my HR director from my old job who had all of my PII, XXXX XXXX -- I found her login info in my Apple Keychain ) had transferred over {$10000.00} into or out of the account, and I know I have never moved that much money in or out of that account, so this other number gets to be the # 1 phone number to call to validate the account. It doesn't even matter if I go into a branch with my passport, driver license, birth certificate, and US mail addressed to me, if I can't get a ping on my phone when the banker sends me a text, I am refused help.

This has been happening for nearly a year now. When I call on the phone I get transferred from department to department, sitting on the phone for hours. I can't get any information as to who took out checks on my account. I can't get any clarification or proof of the direct deposit blunder because my deposit accounts have been closed. 

I think I am being denied unemployment because my employer is still listing me as employed and collecting my paycheck. Is there a way to check this? 

I worked as an Administrative Officer at the Supreme Court of Ohio from XX/XX/XXXX - XX/XX/XXXX. When I was terminated for " being tardy '' on XX/XX/XXXX, XXXX XXXX, of XXXX, had all of my personal belongings from my office shipped to her home so that she could go through them with a fine toothed comb. I have proof of it from XXXX. 

She then planted checks from XXXX bank into my belongings that had my name and the Supreme Court XXXX Ohio 's address on them. She removed one of the checks, check number XXXX, I believe. I had started a case against the Supreme Court with the XXXX XXXX XXXX XXXX, but despite showing them clear proof that I deserved and desperately needed whistleblower protection, I was ignored. In her testimony to the board, XXXX XXXX noted that her actions towards me were not " due to the fact that I hold any particular fiduciary powers for the Supreme Court of Ohio ''. 

So not only is this woman trying to rip me off and then write me off as crazy, she's literally coming up with the worst plot twists with tons of holes in her story and calling me a " federal fiduciary '', essentially. What she's doing is so crazy, I can't get anyone to even investigate it or represent me. 

Can you please look into my Bank of America accounts? 

My info : XXXX XXXX ( XXXX ) XXXX old number that is connected to the Bank of America account and I believe is now used by my old HR manager : ( XXXX ) XXXX I can't find exacting proof of this, but it has been suggested to me that XXXX XXXX has leased a car with my credit. I did notice a spike in my debt to income ration about a year ago. I am close to {$600000.00} in " debt '' due to student loans and the fact that I own two {$300000.00} homes but just two years ago, I owed about $ XXXX or so less. If she's leasing an auto with a bank I don't use, I'd never see the paperwork. 

The ID theft is getting so bad, I am thinking of appealing to the SSA for a new SS #. 

Please contact me at XXXX or ( XXXX ) XXXX or you can write to me at : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio 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