Consumer complaint received 2017-04-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I contacted Bank of America after discovering a fraudulent account on my credit report. Bank of America indicates that I had a credit card with my daughter on the account, which is a lie, I never applied for a credit card with this company. When I contacted Bank of America, informing them of this discovery, I provided them my address in which they never had, I was living at my XXXX address since XX/XX/XXXX and prior to that, XXXX, since the early XX/XX/XXXX 's. The reason they never had my address is because I never applied for a credit card. The address in which they have on their credit application is an address in which I have not lived in over twenty years. I even provided them my mortgage document, voter 's registration and my property tax documents which supported that I was not living at the address. I provided documents supporting that I was not living at the address on their application, then they wanted to say my daughter and I shared a bank account. My daughter and I never shared a bank account. When I asked for checks they were not able to provide checks. If they received any money from my account, it was not authorized. I never gave anyone my information, to withdraw any funds from my account. Then Bank of America, stated that funds were transferred to a XXXX account. When I provided them the letter demonstrating that after XXXX researched the account, they closed the account as a fraudulent account. Bank of America, then lies and says the letter was for a lease with XXXX. I knew that was not true and contacted XXXX and they ( XXXX ) indicated that they did not speak with Bank of America and they definitely did not say that the letter was from a lease, they indicated that they ( XXXX ) would not have spoken with Bank of America as it is against the law to do so without my permission and that I, XXXX had not given them permission to speak with Bank of America. Then Bank of America, went and gave the IRS a charge off letter in which I attached. I do not owe this company, never received a card, never applied for a card, never authorized any payments. This company, needs to be implement better safety precautions before issuing credit, to reassure that the party notated on their application is authentic. They should request for a license, social info and other documents to reassure that the party applying is the actual party. I even had a fraud alert on my credit report and they did not contact me, the phone number in which they claimed when I stated about the fraud alert on my credit report, the phone number is not mine. I have provided this company numerous documents to support that I did not apply or was aware nor did I reside at the address on their file. Now, they are sending the attached letter to the IRS as a charge off. If this company does not rectify this issue, I have to resort to seeking legal representation and sue them for neglect and damages. I have been fighting this battle back and forth and this is taking a XXXX. I ca n't continue to do this, when I have provided information to substantiate my claim.

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