Consumer complaint received 2023-05-29
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
Hello, Whom it May Concern, In late XXXX I called Bank or America and i was told BOA was not aware my father passed. I would assume BOA received the death certificate sometime in late XXXX and processed it then? When did Bank of America receive the death certificate for my father, XXXX XXXX? What happened to my fathers accounts after BOA received notice? 
Was there a will? What were the contents of my fathera safe deposit box? My father said he had a will, if he did it would be in the safe deposit box. 
I am a victim of identity theft. I am requesting that you provide me copies of business records relating to my mother XXXX XXXX and my deceased father 's financial accounts including 401k, retirement account, checking, savings, CDs, Money Market, but not limited too the accounts listed. This is essential information that is needed to resolve my Identity theft. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic. Please provide all records relating to my mother and father, XXXX XXXX account ( s ) held with BOA, including but not limited too : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Beneficiaries/PODs Emails on file Deposits/Withdrawal slips Rollovers Opening and closing documents Financial or banking accounts linked All Transactions and statements, When, How, Who, and method of last transaction/withdrawal method Any other documents or transactions associated with the account Please send these records to me at the above address on file with the CFPB. If you have any questions concerning this request, please contact me at the above address or email me at XXXX Sincerely, XXXX XXXX Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, other government-issued identification card, or other proof of my identity ; and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; with emails attached.The original has several hundred pages of emails attached. o Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft 3. XXXX XXXX document dated XXXX  XX/XX/XXXX. This shows fraud since my father passed on XX/XX/XXXX so how can he make changes to his account online? 4. Death Certificate 5. Judgement issued and dismissed for evidence of fraud and forgery ( XXXX more currently pending with the CFPB and XXXX XXXX ) - I have not filed a fraud claim with BOA yet bc i dont have all the information that i need to accurately complete the fraud claim. If BOA would like me to fill it out with what i have now, please send a hard copy in the mail or email it to me. I do have fraud in my accounts that i had with BOA before it was acquired by XXXX XXXX in XX/XX/XXXX, but the full extent is still u known until I receive and review my deceased fathers accounts as the source if the money/fraud came from my father that i had no knowledge of and this is why i never noticed any $ missing. 

I am also including my mother and I information which may help locate the records. If you need any more information for my father to help find the records or accounts, please contact the CFPB and I will respond as I would like any communication moving forward kept on file and recorded. You can also email me at XXXX and then I will reply as soon as I can. 

XXXX XXXX Ss # XXXX XXXX XXXX DOB- XX/XX/XXXX XXXX at XXXXXXXX XXXX XXXXXXXX Mother : XXXX XXXX SS # XXXX DOB XX/XX/XXXX Address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX Requestor/Son : XXXX XXXX SS # XXXX XXXX XXXX DOB XX/XX/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