Consumer complaint received 2017-02-21
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 is not mine

Complaint:
I have being going through a dispute with Bank of America for a while now in regards to a fraudulent cc. Bank of America is an extremely dishonest organization. I say that because I have more than provided proof that I did not apply for a card. I want to start off by saying after discovering this fraudulent debt, I contacted Bank of America and provided them my address in which I have been at XXXX XXXX XXXX XXXX almost 10 years. Meaning this is where I was when they claim they sent a card, ask Bank of America, where did they send a credit card to? I have sent them a copy of my property taxes which shows the date I moved in. The time that they state they issued a card it was not sent to my address, review the application. This is the address in which I was located at when the card was issued. If they look at the information on their application, it does not match my address and they know that. Next they indicated, that I signed the application, I never signed a application, did Bank of America see me sign an application, no, nor have I seen an application. Next, they indicated that XXXX my daughter and I shared a bank account in which payments where paid from. Please send the checks or what ever payments were made as I never authorized any payments to the organization, we never shared an account. Then I sent them a letter from XXXX in which they indicated they transferred funding to a XXXX account. When I sent them the document from XXXX indicating the account in which they indicated funds where transferred to was a fraudulent account, Bank of America is indicating that the XXXX letter was referring to a lease when that is a lie, the XXXX letter was indeed a letter in reference to a fraudulent credit card in which they stated about transferring funds to. I have produced documents to show my residence at the time of this credit card. I was not living at the address in which they have. I showed my voter 's registration card to also confirm my address at the time of this card. I have given them a letter from XXXX in which Bank of America lied stating it was a letter for a lease it is not. Please provide me a letter from them so I can sue you and XXXX if they told you that lie. I inquired as to why I was not contacted before issuing credit, because I have had a fraud alert for numerous years including the period of the issuance of this card, they would have been aware I did not apply. Then I have also sent a copy of my XXXX mortgage document, which showed my previous address of XXXX XXXX XXXX XXXX address which was the address prior to my XXXX XXXX XXXX XXXX Residence. This document also has my signature. I have provided more than enough information to show this was fraud. This company needs to remove this fraudulent debt as I have to sue. I can not be responsible for an account I knew nothing of. Then they have the audacity to state I benefitted from it. I never received anything from this organization. This company should have a copy of my license, social security or something to be sure that they are issuing credit to the party on their application. I have no reason to be go through all of this and to be dishonest. During this period my husband and son were XXXX, trust me, the furthest thing from my mind would to be applying for a card with your organization. Perhaps if you go through this horrendous event of your XXXX XXXX XXXX son XXXX and your spouse and then they lose their life, let me know if you would be thinking about applying for a credit card, unbelievable. I pay for what I get, so I have no reason to be dishonest with this company. It 's sad that they know that I did not receive a card and they want to hold me liable, this is unreal. If you have enough proof that XXXX is liable, you hold her liable but I never received, applied or benefitted from anything from your org

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