Consumer complaint received 2019-08-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with additional add-on products or services

Complaint:
I reported fraud to bank of America since XXXX at XXXX XXXX XXXX. 
XXXX XXXX from bank of America regulatory XXXX nc XXXX XXXX letter XXXX letter submitted from my complaints thru the cfpb. XXXX at boa regulatory responded along with XXXX XXXX. 
First issue in appeal to XXXX XXXX responses he states that boa could not find the XXXX loan just one boa note of XXXX XXXX. Attached is my XXXX credit report XX/XX/XXXX showing the BAC LOAN. Of # XXXX loan. I need HUD documents for this loan also his documents from the XXXX XXXX bank note he states was from boa in XXXX XXXX XXXX. Also the documents that are from XXXX XXXX  as lender on the loan docs Mr XXXX sent me. 
Mr XXXX and XXXX stated that there was only 1 credit  inquiry on XXXX XXXX XXXX on my credit and that it was verified. The letter boa sent for verification of the fraud application was to XXXX XXXX XXXX XXXX XXXX nc XXXX. I sold that home XX/XX/XXXX. 8 years prior to boas credit verification letter of a fraud app. As per XXXX  boa letter dated XX/XX/XXXX XXXX states that I reported my address change of XXXX XXXX XXXX XXXX nc XXXX on XX/XX/XXXX. AS PER UNITED STATES POST OFFICE my application for XXXX XXXX was done on XX/XX/XXXX. ONE MONTH AFTER XXXX intense research letter states I Reported address change of XXXX XXXX XXXX XXXX XXXX nc XXXX WHICH BOA WILL NOT ACKNOWLEDGE. This XXXX credit report of XXXX XXXX XXXX shows additional credit inquiries. Please address boa. 6 inquiries by boa on my credit in XXXX. Please address boa the denied credit inquiries of XXXX by boa. 
THE BIGGIE IS THE FRAUD BOA ACCOUNT opened up in my name IN XXXX AS PER PROOF ON THE attached experian credit report of XX/XX/XXXX. I have reported this fraud since XXXX TO BOA when I reported identity theft and fraud to all the credit agencies documented with XXXX. 
THE XXXX FRAUD BANK OF AMERICA ACCOUNT # XXXX as per the documentation on the attached XXXX CREDIT REPORT. XXXX states opened XXXX XXXX Last payment XXXX XXXX. I have never been with bank of America until XXXX. I am hereby requesting all the documents from this fraud opened account and used until at least XXXX as per reported to XXXX. 
XXXX states that once monies are deposited into a joint account the monies can be used by either owners. Mr XXXX if accounts were fraudulently tampered with then that's called illegal. I will request again THE ORIGINAL not redacted SIGNATURE CARDS OF MY XXXX. ( opened XX/XX/XXXX as per XXXX letter ) AND XXXX AND XXXX .PLEASE DO NOT PUT THE XXXX original signature card in a huge file that can not be found in the cfpb records file if my complaints I need them capable of being opened by a phone device that's all I have. please send the original cards in SEPERATE pdf files for my review ( XXXX account was opened XX/XX/XXXX as per XXXX XXXX at boa regulatory commission intense research data letter. This account was fraudulently opened in my name in XX/XX/XXXX and was reported to ssa as a direct deposit account to put my ssa monthly checks direct deposited routing # XXXXacct # XXXX on XX/XX/XXXX as per the SSA letter screenshot attached. ) I am hereby requesting production of also the exact address of all the locations dates at what boa they were opened and the amounts originally deposited in the open dates. Also XXXX XXXX sent me a redacted card of XXXX of XXXX XXXX XXXX with a recorded CD payment or deposit by boa chk # and page number I HAVE NEVER DEPOSITED A CERTIFICATE of deposit in any bank during my XXXX years of life.and records I am requesting again all certificate of deposits. On these accounts amounts dates and authorized signature and signature of cashed of each They will not be my signatures. 
And XXXX states she researched a list of all the large deposits on these accounts I am requesting a production of this large deposit list XXXX refers to in her XX/XX/XXXX cfpb letter response. 
Mr XXXX sent me documents with 2 loan apps of supposedly 1 loan thru boa. False. There are only initials OF XXXX  XXXX these are not initials of either my ex or myself on the 1 app of XXXX XXXX there are not signatures ( loan apps require signatures ) and the other by XXXX XXXX another loan # XXXX for XXXX XXXX  no signatures states done by phone and sent somewhere. I need the address where these were sent please. 
In review Loan apps fraud Boa account from XXXX fraud Credit inquiries of XXXX that I need all details of addresses and phone numbers used for these inquiries of the person seeking credit In my names. 
Loan # XXXX BAC loan stated by XXXX and XXXX of boa regulatory commission as their letters both state there was only 1 loan by boa a bank note XXXX XXXX. # XXXX False. There is another 2 -3 XXXX  loans out there against my home XXXX XXXX XXXX   by some entity.

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