Consumer complaint received 2023-07-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Account number : XXXX XXXX XXXX XXXX I'm filing disputes on charges dated from : XX/XX/XXXX to the XX/XX/XXXX I was incarcerated and did not authorize the use of account or any transactions. 
I did not allow the charges and the charges are fraudulent. 
I have spoken with the bank and have not been given a refund or credit not has the bank filed the disputes as I have requested them to do so. 
The bank has places an illegal balance on my credit for {$900.00} dollars and submitted false information to the credit reporting agencies. 
I deny the balance due and deny all charges and money owes My name is XXXX XXXX MY PHONE NUMBER IS XXXX MY EMAIL IS XXXX My Mailing address is XXXX XXXX XXXX XXXX WA XXXX My current home address is XXXX XXXX XXXX XXXX XXXX CA XXXX My prior address was XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX My prior phone was XXXX Prior email XXXX. 

I have been speaking with the bank being pulled around in circles and not been allowed to file disputes and process my FDIC CLAIM. 
I HAVE INFORMED THE BANK THAT THE TRANSACTIONS ARE NOT MINES AND I WANT THIS RESOLVED. 

I don't know how many more times I have to go to the bank and provide all the documents needed and still not be helped. 
I have filed disputes just recently ana still have not been assisted or had anything resolved. 

I did not make any purchases or withdrawals from my account, I was unable to use account as I was incarcerated I was arrested on XX/XX/XXXX and my sentence started at XX/XX/XXXX which clearly proves that I was unable to use account. 

I don't know who accesses the account nor did I give any one permission to do so this is not my transactions as I've stated I'm filing disputes on all transactions from XX/XX/XXXX ( day of arrest ) to XX/XX/XXXX ( date of release ). 

I've been to the finical institution several times and to no no avail I have been contacting the financial institution several times I have spoken with every department from the fraud department card services disputes I have called them repeatedly and I have been given the XXXX I have attempted to file many disputes about these fraudulent and illegal transactions and no one is contacting me. 

All the transactions from XXXX the XXXX of XXXX until XX/XX/XXXX of XXXX are being disputed as fraudulent and illegal not mines and needs to be removed from my credit balance immediately. 

I'm challenging the false information reported to the credit bureaus that has my account overdrawn and in the negative as it is false and illegal as I did not use his credit card nor that I rack up any charges and I'm now challenging you to have removed from my credit report immediately. 

The false information is forbidding me from opening a bank account obtaining a car loan moving into an apartment at other financial matters and this situation does not resolve immediately I will be falling at Federal lawsuit against Bank of America. 

I want Bank of America to inform the financial bureaus that the information that Bank of America has previously reported as false that my account is not in the negative that my account is not overdrawn and that I owe Bank of America no money in my account is in good standings. 

I would like for Bank of America to issue me a new credit card and restore my credit and my balance immediately I would like for Bank of America to contact me at the information provided to resolve these issues.

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 monetary relief