Consumer complaint received 2023-05-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL
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 : Consumer Financial Protection Bureau From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Fl XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX Dear Sir/Madam : Preface : I am a Victim of Fraud and Identity Theft. Since XX/XX/XXXX, all three credit bureaus placed credit freeze and fraud alarm on my credit report, CRA 's has also been notified by the agencies. 
The credit freeze/fraud alert remains present. 

I would like to lodge at dispute and complaint against my Bank 's unlawful, illegal, unethical, unfair and rude practices. 
The Bank has been violating my consumer protection rights under CFPB and FDIC regulations for Fraud and Identity Theft Victims. 
The Bank neither handled or followed up CFPB guidelines for handling and protecting consumers against unauthorized and fraudulent charges.

The Bank completely destroyed my Credit and Credit Scores by creating unlawful, unfair and biased debt based on fraud and disputed charges.

For over two years, the Bank has been collecting payments, charging interest and late fees on all Fraudulent Disputed Billing amounts.

Hense, the bank also has been charging my Debt based on Identity Theft.

The Bank has been Reporting Disputed Fraud amounts to the Credit Burrous as my " Defaulted Debt '', The Bank has been reporting unauthorized disputed charges as Delinquent.

The Bank never notified me about actions and/or results of their investigations on disputed charges. 

Since XXXX, I opened 9 accounts with the Bank. Including credit/debit cards, checking and trust accounts.

As of today, all 9 accounts have been charged-off, closed, reported as delinquent and sent to Debt Collection Agencies. 




At this time, I know that two credit cards, ending at XXXX and XXXX, were charged-off at Bank 's request on XXXX and XX/XX/XXXX. I have no idea or knowledge about the latter. 
My Irreversible XXXX Account ending in XXXX was charged-off or closed in XX/XX/XXXX. I have no information available. 

At least one of my credit card accounts were sent to collection agency ( in XXXX ) Most importantly, that my personal checking account, ending in XXXX, with {$69000.00} of funds available, was abruptly closed last week, XX/XX/XXXX. I have no information available about the account. 
This account has been my main source of money. 

Since last week closure, I have no money available to eat, get transportation and basic essentials. ( I do n't drive ), Despite my numerous attempts to get any information about the closure, or when I will be getting final check, or any notifications about the closure, ( it has been 9 days since the closure ), the Bank keeps ignoring me, and living me in the " dark ''. 

I need your help to resolve these issues. 

Sincerely, XXXX XXXX XXXX I will be sending this dispute to the FTC, FDIC, Attorney General, XXXX XXXX Report etc.

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