Consumer complaint received 2024-08-23
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AZ)

In XX/XX/year>2024 I was looking for a loan I had applied for a company that what I was looking for I was not eligible so it showed it share my name phone number and email address to different lenders. On XX/XX/XXXX I received a message from a XXXX XXXX that worked for XXXX XXXX that I was eligible for a {$7000.00} loan so I had a couple of questions like what's the apr on the loan what's the payments look like etc. Well everything he answered was too good to be true but of course I didn't suspect anything so I agreed he said let 's get the application started so like before I gotten a loan and I remember giving the same info I was giving the guy like my name, address, social security, email, account and routing number etc. Well then he said my credit score was a little to low for the {$7000.00} loan but the company also helped with bumping your score in a day to get your loan as soon as possible and how it worked was they send me money and I have to pay it back and they report to the credit bureaus as I make my on time payments when I asked how or where will I send the money he said I would have to go to XXXX and buy the XXXXXXXX XXXX XXXX and load the money on to them and send him pictures of the cards Well I said okay didn't think of it very well I asked how much am I receiving so I know what to expect he said he will let me know as soon as he can. He called back and said to check my account it should be about {$800.00} well my account showed a total of {$390.00} plus a {$430.00} that was on XX/XX/XXXX the same exact dates the claims were filed well I did as I was told I bought the cards and sent him the pictures he said I should receive my loan within the morning the next day well I waited till the XXXX still no {$7000.00} showed In my account well he said I had to send them another {$700.00} well I said okay I really needed the loan and actually believed him well I thought well atleast it's not my money I'm sending back right. Well on XX/XX/scrub> 2024 I have his message of I received {$700.00}. XX/XX/XXXX I didn't received the loan I had applied for and when said he was going to send me another {$500.00} to send back I hung up blocked the number and thought to myself this is some XXXX still didn't think it had anything to do with my account. On XX/XX/XXXX I received 4 letters of all the claims filed in my account that they were under review but I was credited the money back well that's when I realized this guy was in my bank account filing this claims so I went straight to the bank showed them my messages of the guy he had stated some of the amounts of the claims the same dates the claims were filed is the same ones on the messages. That it was not me filing this claims I had the proof that not once did I spend the money of the credited back from the claims. I asked to closed the bank account I did not want to bank with them. I was told it's best to leave it open for them to be able to file as fraud and closed the claims. I was opened a bank account without my consent they said for any funds I receive they can send it to the new account. I spoke to there fraud and identity theft protection departments explain the situation with each person I spoke to. A week later I get 3 different letters stating the claims of the {$700.00}, {$390.00} also the claim for the {$430.00} were closed because there wasn't enough evidence the responsible to pay these amounts were Me stated my name now that account is XXXX the amount they want me to pay back when i had reported this was fraud or a scam this was never me. My fiance is a witness to this as well.