Consumer complaint received 2019-10-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are two Bank of America Accounts that appeared on all 4 credit bureaus in mid to late XXXX. I only have partial account numbers provided by all four credit reporting agencies as these accounts were not opened by me. 

I noticed them after ordering my free annual credit reports and started disputes to all the bureaus, however, I was not able to get all documentation to them in a timely manner as I had to be treated for XXXX XXXX. Bank of America continues to reinsert these two accounts that were opened in my name on line by people impersonating me. These two accounts look to be accounts that were opened online after I gave XXXX XXXX who I worked with and was a friend of the family and had been in and out of my house on a regular basis and whom I had given three used phones and a tablet along with other used items in XXXX not knowing we he actually lived in XXXX, XXXX XXXX XXXX on the XXXX XXXX and was in the US on a work permit. 

One account says it was opened in XXXX yet I had no accounts accept a checking account which he was closed in XX/XX/XXXX in XXXX, Texas due to my purse being stole and all my personal information being stolen. If this is a typo it is still not my account and was opened by an XXXX scammer. details below. XXXX, XXXX, XXXX and XXXX partial account number XXXX and BOA partial account number XXXX. 

The only accounts I have ever had with Bank of America are a checking accounts. One that was closed and a new account opened in XX/XX/XXXX in XXXX, Texas after my purse was stolen and all my ID stolen including my phone and about XX/XX/XXXX checks which were used in the XXXX XXXX area. I provided a police to BOA and all credit Bureaus at that time due to fraud and Identity theft.. I had a mortgage with Countrywide opend in XX/XX/XXXX mortgage which transfered to Bank of America when they bought out Countrywide. Bank of America sold that mortgage in a bundle of mortgages in roughly XXXX and closed that account out. I had a money market account which was closed and the money used to open an investment account with Merrill Lynch owned by BOA which I closed out and transfered in early XX/XX/XXXX. I closed out my checking account in XXXX because BOA was never able to stop all the fraud/identity theft on my checking accounts and consistently shutting down my debit card without notifying me and sending a new card because of fraudulent activity by other people who had stolen and used to be card number. There was always money missing from my account and BOA could not tell me why. 

On XX/XX/XXXX I once again disputed these two accounts as being identity theft and provided a XXXX County Sheriff 's Department Police report ( attached ) regarding a harassment/scam incident I had been in experiencing with a the XXXX XXXX man who I met and worked with beginning XXXX, XXXX and until I resigned in XX/XX/XXXX. I did not know at the time he was only here on a work permit and travels back and forth from XXXX go the US collecting used items to take back and sell. He misleads people when he is here and tell them the used items are for the needy in XXXX. I found out in XXXX per the first attached Sheriff 's Report which is Harassment and where he and his family were trying to scam me out of money. Each and every time I told them NO the harassment would escalate until there was Sheriff at my door in XX/XX/XXXX the date of the first report. 

In XX/XX/XXXX XXXX XXXX approached me at XXXX XXXX and requested used clothing and electronics ( i.e, used unlocked phones and tablets. I gave him clothes and other items and also a XXXX phone, an XXXX XXXX XXXX phone, an XXXX phone and a tablet. I don't remember the brand of the tablet, but they were all unlocked and reset to factory settings. I thought resetting the to factory settings would make them safe but was later advised it DOES NOT clear the memory and your personal information can still be obtained. I found later in a conversation with XXXX XXXX he shipped these things back to XXXX in XXXX in a container that contained cars, and other things but also included the used clothes and electronic items. Once he took these things back the phones memory were broken into and all my personal information was taken which included all banking information, including passwords, verbal passwords as well, all my email addresses, were taken, phone contacts, everything that I stored on my phone in my XXXX password directory. He had access to my XXXX account and set up 3 accounts in my name which I have since had taken down. I have reported him to the Department of Immigration and sent emails to XXXX XXXX as they were allowing him not only to work there but to solicit customers and employees for used items and especially electronics as being distributed as items for the needy but he was actually selling them. 

During the early to mid day on XX/XX/XXXX, I had two strange calls one to my home phone and one to my cell phone both were the same XXXX man asking questions. I didn't answer any questions, I just hung up. in the early evening I received emails from my home phone account provider that my password had been changed. I called to find out what was going on and to correct it yet someone changed it again. The same evening at about XXXX I received a call from BOA Fraud  Department who told me there was suspicious activity had been taking place on my account. XXXX XXXX had been put on my checking account and a spoof card had been bought using my checking account in the amount of XXXX. I was also advised that this same XXXX man or maybe a woman had called in impersonating me and spoke directly with BOA employees about my accounts a day or so earlier. 

Attached is a section of my most recent XXXX credit report which shows partial account numbers. This is all I have to identify these two accounts as I have never had an account number or a credit card. These accounts were either opened up in line or by phone by people impersonating me and using my personal information. 

XX/XX/XXXX I filed a dispute with all bureaus again only to be told I needed a different report and that BOA would not remove them. OF COURSE BANK OF AMERICA WOULD HAVE MY INFORMATION AS THEY HAVE SPOKEN DIRECTLY WITH THE PEOPLE WHO STOLE MY PERSONAL INFORMATION BY IMPERSONATING ME ONLINE OR BY PHONE USING INFORMATION TAKEN FROM THESE ELECTRIC DEVICES. 

On XX/XX/XXXX, I again disputed these two accounts and sent all bureaus a new report ( attached ) Fraudulent Use of Identification and Impersonation as regarvi g these same XXXX  who impersonated me and who spoke directly to BOA when to hey called in to BOA number and spoke with ith BOAs personnel and opened up and used these accounts using my information obtained from these phones and tablets. As of this writing BOA has not responded to the disputes to all the bureaus. All bureaus have suggested that I file this complaint directly to you. 

I do not have complete account numbers only partial numbers from the credit reports as I have never had these cards/accounts. 

BOA needs to provide me with applications filled out and signed by me allowing BOA to open up these accounts/cards. Unless this can be provided BOA must remove these from all bureaus. Simply saying these accounts belong to me when others have all my personal information at their disposal and are using is not enough since BOA allowed these fraudulent accounts to opened up by people impersonating me online or over the phone without contacting me first before opening them yet this is what happened. It appears these accounts were dumped as soon as to hear people realized my checking account had been closed and moved and when I changed all my personal information including my XXXX account containing my personal information.

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