Consumer complaint received 2017-03-19
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Went to Bank of America at the XXXX, CA Branch on XXXX on XX/XX/2016 to open a savings account. Manager XXXX tried to get me to open a credit card with a no balance transfer. XXXX walked out of the room and when he came back he indicated I could not borrow enough to pay off my XXXX account so I declined borrowing and had 60 days to think about it which I told him I would think about it. I did not give XXXX authorization to open up a credit account. Days later I was sent a new credit card. I contacted BoA fraud dept. and spoke with XXXX in XXXX Calif. office. and indicated someone opened a CC in my name. XXXX also could n't understand why an account was opened in my name without anuthorization. I asked Fraud to close account immediately and remove from my credit report. He was not able to do that. I spoke to Branch manager of BoA XXXX where I conference called with both XXXX and XXXX where they indicated along the lines if you speak about a credit or loan they automatically sign you up for a credit card. This was never mentioned to me nor did I ever authorize. Went to police dept. on XX/XX/2016 and spoke with officer XXXX ... case # XXXX. XX/XX/2016 Det. XXXX now on the case. During this time I received Numerous calls and emails from XXXX to myself where she sent them from her work and non-work email accounts as I had already told her I was going to the police regarding this. XXXX explained to Det. XXXX that since I already had a checking account with BoA that no authorization signature was required. Then XXXX indicated to Det. XXXX that the issuance of a credit card and account without verbal permission from the account applicant was a policy and procedure violation and XXXX had counseled XXXX regarding this. BoA told the detective that this was explained to me when in fact it was not to my knowledge. Since Det. XXXX felt there was no criminal activity and according to the penal code these items were not met. I was advised by Det. XXXX to contact the FTC and file a complaint. DEt. XXXX also indicated that BoA would delete this Credit Card completely of my Credit Reports from the Credit Bureaus. The investigation was closed and reclassified as an incident. If this happened to me as a consumer, I doubt I 'm the first person. The stress and inconvience of having to make numerous phone calls to close accounts, contact the credit bureaus and having to pay money to put a freeze on my credit when I should n't of had to go thru this in the beginning had they not wanted to meet their quota of new credit card accounts which I 'm sure is why they did this in the first place. Please also note the man ( XXXX XXXX ) who opened this account is the Relationship Manager. I have a hard time believing him or the Branch Manager XXXX that they did n't know the Banking rules on illegally opening a CC account with the customers knowledge.

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