Consumer complaint received 2026-04-27 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am submitting a formal complaint against Bank of America regarding a credit card account that was fraudulently opened in my name and is now the subject of a summons and complaint filed against me. I have repeatedly notified Bank of America that this account is not mine and that I did not open or authorize it. Despite my ongoing disputes, the bank continues to assert that the account is valid without providing sufficient or verifiable evidence to support that determination. Each time I dispute the account, I am informed that I may request supporting documentation. However, before I am given a meaningful opportunity to submit such requests, the claim is closed and deemed valid. On one occasion, I was told that an affidavit had been sent to me to complete in order to obtain documentation, but I never received this affidavit. Despite this, the claim was again closed without resolution. Bank of America appears to be relying on circumstantial informationsuch as shared addresses or general identifying detailswhich could apply in many identity theft cases and does not constitute proof that I opened or authorized this account. For context : I have had legitimate accounts with Bank of America ; however, this disputed credit card account is not one of them. Multiple individuals have resided at the addresses associated with this account. I have taken steps to ask others whether they may have opened an account in my name without my knowledge. I have been a victim of identity theft, and my personal information has been compromised and circulated. I have provided Bank of America with documentation supporting this. Additionally, Bank of America previously withdrew funds from my personal account without my authorization to pay toward this disputed credit card. When I reported these unauthorized withdrawals, I was told they were valid. Because the withdrawals continued, I was forced to close my account to prevent further unauthorized debits. In response to my requests, Bank of America has only provided : Bank statements showing funds withdrawn from my account ( which I had already disputed ), Documents reflecting my address, phone number, and Social Security number, Documents related to a checking account I did open ( ending in XXXX ). None of the documents provided establish that I opened or authorized the disputed credit card account. I also provided Bank of America with documentation showing that the disputed account number does not appear on official account records previously sent to me. To properly evaluate and defend myself, I formally request that Bank of America provide the specific evidence they relied upon in determining that this account belongs to me, including : A copy of the original signed credit agreement or application, including any electronic signature records. All documentation relied upon in determining that the account and transactions were authorized by me. A detailed explanation of how any verified device was identified and specifically linked to me. All IP addresses, device identifiers, geolocation data, and access logs associated with the disputed transactions. Records of any authentication methods used ( e.g., passwords, one-time passcodes, biometrics, or multi-factor authentication ). Copies of any recorded communications, correspondence, or internal notes regarding this account. A copy of the affidavit they claim was sent to me, including proof of mailing. The name and contact information of any third party involved in Bank of Americas investigation. Despite my repeated requests, this information has not been provided, yet Bank of America has proceeded with legal action against me. I respectfully request that the Consumer Financial Protection Bureau investigate this matter, require Bank of America to produce the documentation supporting their claims, and ensure that my rights as a consumer are protected. Thank you for your time and assistance. Please contact me if any additional information is needed. Sincerely, XXXX XXXX XXXX XXXX

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