Consumer complaint received 2026-01-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint narrative:
What happened? 

I am a victim of identity theft and a long-term resident of XXXX. I have not lived in or traveled to the U.S. in over a decade. My identity was used to fraudulently open credit card accounts ( Accounts ending in XXXX and XXXX ) and unauthorized access was gained to my existing Bank of America checking account ( Account ending in XXXX ). The identity thief registered a fraudulent U.S. address at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX  XXXX and utilized unauthorized contact information and devices. 

I have previously provided Bank of America ( BoA ) with my FTC Identity Theft Report ( No. XXXX ) and XXXX Police Report ( No. XXXX ). Despite this, BoA denied my fraud claims ( XXXX, XXXX, and XXXX ) claiming transactions were " consistent with previous valid account activity ''. 

Presenting Conclusive Proof of Residence : With this complaint, I am providing the CFPB with my official XXXX  Residence Certificate ( XXXX  ) issued by the XXXX  Tax Administration. This document serves as conclusive, government-verified proof that I was a resident of XXXX, XXXX, at the time of the fraudulent activity. This directly contradicts the fraudulent XXXX address BoA has on file and proves I could not have authorized these transactions in person or via " consistent '' local devices. If further information regarding my physical presence is needed during the time of the fraudulent activities, kindly advise. 

Bank 's Violation of Consumer Rights : Under Regulation E ( 12 CFR 1005.11 ) for my checking account and Regulation Z ( 12 CFR 1026.13 ) for my credit cards, I have a right to the documentation the bank relied upon for its denials. I have sent multiple formal, written requests ( most recently via fax on XX/XX/XXXX and XX/XX/XXXX ) demanding the internal investigation records, IP logs, and forensic data. To date, Bank of America has failed to provide any such documentation, violating my right to a transparent investigation. 

Ongoing Harm and Collections : BoA is now aggressively attempting to collect {$14000.00} in fraudulent debt ( {$10000.00} for Acct XXXX and {$4500.00} for Acct XXXX ). I have received several " past due '' notices between XX/XX/XXXX and XX/XX/XXXX. A notice from XX/XX/XXXX even claimed they haven't been able to reach me for the last 30 days despite my continuous formal correspondence. 

Checking account balance : Regarding my checking account the last verified balance was {$5700.00} in XX/XX/XXXX. I believe unauthorized access and fraudulent transactions began on or around XX/XX/XXXX. Because Bank of America has ignored my formal requests for documentation, I am currently unable to determine the balance the day the fraud began. I am providing a snip taken of the XX/XX/XXXX balance as a baseline for the investigation. 

See list of actions taken with dates and amounts underneath : Bank of America : 2 credit cards & checking account : Me : XX/XX/XXXX : Contacted Bank of America ( BoA ) per phone, both credit card and checking account department, in order to file claims. 
Me : XX/XX/XXXX : Sent letter per mail to BoA adressing both credit cards and checking account Bank : XX/XX/XXXX ( but received correspondence in XXXX sometime due to delay in postage to XXXX : Received letters per mail from BoA regarding credit cards stating that they are working on the claims. 
Me : XX/XX/XXXX : Sent faxes to BoA credit and checking account departments Me : XX/XX/XXXX : Sent fax to BoA credit account department Me : XX/XX/XXXX : Sent fax to BoA credit account department Me : XX/XX/XXXX : Sent fax to BoA checking account department Bank. XX/XX/XXXX : Received email with denial letter dated XX/XX/XXXX from BoA checking account department Me : XX/XX/XXXX : Had phone conversations with BoA credit and checking account departments informing of FTC identity theft report # and Police report # Me : XX/XX/XXXX : Sent faxes to BoA credit account department Me : XX/XX/XXXX : Sent faxes to BoA credit account department Me : XX/XX/XXXX : Sent faxes to BoA credit account department Me : XX/XX/XXXX : Sent faxes to BoA credit and checking account departments Bank : XXXX : Received emails from BoA attempting to collect debt I have sent faxes to fax numbers XXXX & XXXX to the credit department , and XXXX to the checking account department. 

Attachments : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  1. Be advised that early faxes focused on sending the same information as was already sent on the letter, as the letter did not include claim # information, so I was not sure if the letter was received and documented against the claim numbers in question. 
2. I only claimed two fraudulent transactions on my checking account ( totaling {$1000.00} ), as the customer agent I spoke to on the phone advised that the other fraudulent transactions on my checking account was related to the credit cards opened, so I was advised that those transactions should be accommodated via the credit card fraud claims.

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