Consumer complaint received 2025-07-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America has identified account numbers XXXX and XXXX as identity theft and fraud on all my credit card accounts. Also, some of my family members have access to my online bank account. XXXX of them added his email address from XX/XX/XXXX until XXXX when I closed all my credit cards, whether I opened them by hand or the accounts they opened by stealing my identity using their data and opened accounts in my name by phone. I recently discovered, and this was only about XXXX weeks ago, that I was in the Bank of America Center next to XXXX and asked about all the accounts I have had since I started with the bank. Of course, they did not mention XXXX credit card accounts, XXXX of which were opened by the thieves and scammers who opened them by phone and used them and also suspended them by phone. Until now, I have not known anything about them. A debit card caught my attention. I did not see it or use it. I asked the one helping me what this account is. She told me that every customer who opens a chicken account opens a debit card account. XXXX XXXX who is the chicken account? I asked her, I did not receive this card. She said that you receive it via email. At home, I swear that I did not know that and did not see anything of this, in addition to the fact that there are transfers from this account to all the credit cards that were opened by phone using my data, and also an acknowledgment of the existence of fraud and deception, and I was returned {$4500.00}, and the rest was rejected due to the legal time limit being exceeded. This makes these accounts be deleted from under my responsibility. Please, I want to remove the check account accounts that end with XXXX and XXXX from under my responsibility because they are fraud and deception. Also, when the bank closed these accounts, it stated risks in the reason for closing them, and this reason is wrong. The real reason is the existence of identity theft and fraud. I called more than XXXX times until they fix the real reason for closing the account. I found very bad treatment from those who respond to a person who transfers me to a person and so on, and some of them closed the road in my face as if I am the forbidden and not the victim, and I made several objections to the reason for closing the account, and no one helped me. I also complained more than once on XXXX, and those who respond to me make me believe that my problem has been solved and give me A number says this is my financial manager who will help you I am happy inside and when I call I find that someone is transferring me to someone and so on I am really tired and I say to myself is there a person who has experienced everything that happened to me and complains to the bank asking for help and taking refuge in it and they do all this to him instead of helping them they complete it and XXXX XXXX  and by XXXX they took advantage of my ignorance and his lack of proficiency in the XXXX XXXX  and his lack of proficiency in technology and my lack of knowledge of the laws and they did to me what they wanted and set me up please help me so that I can get my rights thank you

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