Consumer complaint received 2022-10-09
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem canceling credit monitoring or identify theft protection service

Complaint:
To Whom It May Concern : Credit line for the amount total {$24000.00} This letter is regarding Credit account, which I claim Reported as fraud on XX/XX/2020 I noticed too charges on my credit card statement at end of the month in Connecticut within the store of XXXX XXXX, i did not realize the I miss placed my credit card in the place which is far from me i live in XXXX and work in the area, i was working at moment. after 3 weeks late, when I received my credit card statement the charges the I notices it was already over my credit limited which was {$24000.00} after that, I make call to the bank to stopped but it was late. my other option was to follow a police report but because it was the pandemic no precinct was open, finally XX/XX/2020 I reported and have the police report claim # XXXX the precinct # XXXX prior to the I share everything the I investigated by the police and a conclusion the who was working for me took it. but it was just talk it was nothing concreted. when I told bank of the America investigation department, they already closed the case and ultimate i was responsible for the chargers knowing the I live in XXXX not in XXXX XXXX XXXX Basically I lost the case and accept the debt by over {$52000.00}. I ask multiples times to run a deep investigation in XXXX XXXX. bank of the America says they have no footage and already past XXXX. now my credit score is ruin for paying late. for not haven.t enough to pay my bills. please I need your help, support I send multiple letters to bank of the America about this matter my rights but instead I received debt collections calls every day at any time. I do not work at the moment and been taking XXXX XXXX. my credit is destroyed thanks to Bank of the America they want to do a minimum XXXX monthly how it just not fair at all. 
a derogatory condition here, such as I owe {$52000.00} or my account was charged off {$33000.00} ]. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I dont owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter may result in small claims legal action against your company at my local venue. 
I would be seeking a minimum of {$100000.00} in damages per violation for : Defamation Negligent Enablement of Identity Fraud Violation of the Fair Debt Collection Practices Act ( including but not limited to Section 807-8 ) Violation of the Fair Credit Reporting Act ( including but not limited to Section 623-b ) This is the letter that you send directly to the bank or agency that reported an inaccurate, unfair, or unverifiable derogatory or collection item to the credit bureaus. 
( Letter continued on next page ) Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
My contact information is as follows : P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action. I am also including a copy of my complaint to the organizations below : CC : Consumer Financial Protection Bureau CC : Attorney Generals Office CC : 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