Consumer complaint received 2019-01-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/XXXX, I file a complain with cfpb in response to Bank of America inquire, I was contact by Ms XXXX XXXX the Regulatory Complaint Department She need to Verify to see if i was the one who submitted the complaint, I also tried to contact her to let her know that i was the one who contact and submit the complaint by i lift her a vice also to point this out, On XX/XX/XXXX came i got an email stating that it need Authorization from me which they dont have or was provided with so today i am resubmitting this complaint letting both parties that I the consumer is resubmitting it and if you need any other please reach out to me and also let the person who is responsible point of contact for bank of america be reachable for the consumer during busing hours and please returned my calls even when i an unavailable sometime during the day hours, I hereby state again that the consumer is resubmitting this inquire not a Third Party as was stated in the first Response I Received Back from CFPB. 

ON XX/XX/XXXX I ANSWERED TO A XXXX AD THAT WAS ADVERTISING FOR WORK. A MALE NAME XXXX ANSWERED ME AND STATED THE FOLLOWING TO ME, I WORK WITH XXXX XXXX XXXX. WITHIN THE LAST YEAR A PRIVATE MONEY ORDER COMPANY HAS BEEN TRYING TO TEST AND IMPROVE THEIR MONEY ORDERS. THE OVERALL GOAL IS FOR THE MONEY ORDERS TO CLEAR WITHIN HOURS INSTEAD OF DAYS. EVERY TIME I HELP TO TEST THEIR MONEY ORDERS, XXXX GET PAID. XXXX FURTHER STATED THAT ALL I HAD TO DO IS WITHDRAW WHAT I DEPOSIT AND ASKED WHAT BANK I WAS WITH AND WOULD I BE WILLING TO OPEN AN ACCOUNT FOR IT WITH XXXX XXXX AND THEY WOULD PAY THE OPENING FEES AND AND THAT I CAN EARN {$1000.00} PER WEEK. I STATED THAT I WILL GAVE XXXX THE BANK INFORMATION AND MY HOME ADDRESS AND FOR IT TO BE DEPOSITED. XXXX TOLD ME TO MAKE SURE I GOT A MOBILE BANKING ACCOUNT TOO AND THEN ASKED FOR THE ACCOUNT NUMBER AND ALL MY PERSONAL INFORMATION. ON XX/XX/XXXX I OPEN ON ACCOUNT AT ONE OF YOUR BANK OF AMERICA LOCATION IN XXXX MA FOR A BUSINESS RELATED MATTER, ONE WEEK LATER I ORDERS THIS ACCOUNT TO BE CLOSED DUE TO THE FACT THAT THIS ACCOUNT TURN OUT TO BE FRAUD/SCAM RELATED, BACK IN XX/XX/XXXXI TRUED TO OPEN AN ACCOUNT WITH XXXX XXXX AND WAS REFEREED TO XXXX XXXX CONSUMER AGENCY FOR MORE INFORMATION, ON XX/XX/XXXX, I REQUESTED A COPY OF MY CONSUMER RESORT FROM XXXX XXXX AND IT WAS EMAILED BACK TO ME ON XX/XX/XXXX. ONCE I CAREFUL LOOK THROUGH MY REPORT I SAW THAT BANK OF AMERICA OUTLINE AT THE TOP OF IT ( Transacting ( or attempting to transact ) with an account in an unauthorized or prohibited manner ) I BELIEVED THAT THIS NOTE ON ME ON FILE IS REPORTED UNFAIR AND UNACCEPTABLE FOR THE RECORD OF ME AND I NEED IT TO BE REMOVED AS SOON AS POSSIBLE THAT FACT THAT SOMEONE USED MY ACCOUNT INFORMATION TO DEPOSIT FAKE CHECKS TO THAT ACCOUNT AND I REPORTED IT TO THE BRANCH SHOWS THIS IS AN TOTALLY UNFAIR ACTION. PLEASE RE-INVESTIGATE AND REMOVE THIS NOTE FROM MY CREDIT HISTORY WITHIN 30 DAYS OF GETTING THIS DISPUTE NOTICE.

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