Consumer complaint received 2023-01-18
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XX/XX/XXXX Dear XXXX : Once again, I find myself reaching out to you in hopes of resolving an almost year-long dilemma. Thank you for referring my original request to the Billing/Collection Department XXXX However, in the end, the results were the same, total run-around without resolution. 
Following are the salient facts for your perusal : XXXX. Telephone call from BOFA agent on XX/XX/XXXX alerting to " suspicious activity on account '' XXXX of {$2400.00}, at approximately XXXXXXXX XXXX, and instructed to call the XXXX XXXX. XXXX reported. 
XXXX. XXXX letter of XX/XX/XXXX instituting research and temporary credit on account ending XXXX. New account issued ending XXXX. 
XXXX letter XXXX XX/XX/XXXX stating '' I benefitted from funds credited to legitimate bank account. via balance transfer '', never identifying who, what where bank account. I never opened, authorized nor require this service from XXXX 
XXXX. Statement of XXXX showing balance of {$2400.00}. Requested re-evaluation. 
XXXX. XXXX letter of XX/XX/XXXX stating funds were a transfer from a " linked account ''. never identifying pertinent information about account Once again, I never opened, authorized nor require this service. 
XXXX. Communication with XXXX Department on XX/XX/XXXX - was informed, for the first time what type of bank account ending XXXX with funds of {$2400.00}. in my name. I never opened nor authorized and instructed these funds be used to clear credit card XXXX balance and accont XXXX be terminated. 
XXXX. Communication with Ms. XXXX XXXX, NY, Collections on XX/XX/XXXX once again requested account XXXX be used to clear fraudulent debt of {$2400.00} from XXXX, and XXXX be terminated. Dispute Conf. # XXXX. To dispute remaining charges instructed to call XXXX. Request made. 
XXXX. Statement XXXX shows transfer from XXXX to XXXX clearing original fraudulent debt of {$2400.00}, but with fees remaining of {$150.00}. 
XXXX. Statement XXXXTHE VERY FIRST STATEMENT RECEIVED FOR XXXX shows XXXX balance, likewise 2nd statement of XXXX. 
XXXX. Statements following until XXXX have accumulative fees and charges to the sum of {$430.00}, carry-over from fraud case. 
While out-sourcing is a marvelous practice, apparently the right hand does not know what the left hand is doing and this issue remains unresolved. It is quite apparent XXXX  had knowledge, as early as XX/XX/XXXX, of a fraudulent account and could have " nipped it in the bud '' by identifying and disclosing pertinent information to my person. Please explain how account XXXX, which was opened without authorization XX/XX/XXXX and the first statement received is dated XXXX and only identified as " legitimate bank account I have spent countless hours, weeks, months speaking to just about every agent in every state of the United States to no avail. Unfortunately, at this point it is my belief that, like myself, there are countless XXXX members of society that have faced likewise dilemma and have sacrificed to pay just to have peace of mind despite income stemming from social security and pensions. 
I would greatly appreciate it if you would instruct your Billing/Collection Department to cease and desist harassing me with statements for payment for a debt I do not owe and not be forced to pay. 
Please communicate in the future via e-mail only. 
Thanking you in advance, XXXX XXXX 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