Consumer complaint received 2025-12-30 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: WA

Complaint narrative:
Company : Bank of America Date of occurrence : XX/XX/year> I am filing this complaint to report identity theft involving a fraudulent credit card application submitted in my name through several banks to include Bank of America, as well as Bank of Americas negligent failure to properly respond, document, or resolve the fraud after notification. 
On XX/XX/year>, I became aware that an unknown individual fraudulently applied for a Bank of America credit card using my personal identifying information, without my authorization or consent. I do not have an account with Bank of America and have no customer relationship with the institution. 
Upon discovering the fraud, I contacted Bank of America immediately. I spent multiple hours attempting to resolve the issue and spoke with four different representatives. Despite clearly stating that this was a case of identity theft, Bank of America failed to take appropriate action consistent with reasonable fraud-prevention and consumer-protection standards. 
Specifically, Bank of America : Failed to clearly confirm whether the fraudulent application was fully canceled Failed to provide written confirmation that no account was opened Failed to confirm whether any credit bureau reporting occurred Failed to properly escalate the issue as identity theft, rather than routine customer service Failed to provide meaningful guidance or assurance to mitigate ongoing risk This lack of action constitutes negligent handling of an identity theft report, particularly given that Bank of America was promptly notified and had the opportunity to prevent further harm. 
As a result of Bank of Americas failures, I have suffered and continue to face : Time loss and financial disruption due to hours spent attempting to resolve the issue Ongoing risk of credit damage, including potential unauthorized credit inquiries or accounts Emotional distress and XXXX  associated with unresolved identity theft The need to pursue external remedies, including regulatory complaints, to obtain basic confirmation and protection Bank of Americas actions or lack thereof fall below reasonable standards for safeguarding consumer information and responding to known fraud, particularly involving a non-customer victim of identity theft. 
I am requesting that Bank of America be required to : Provide written confirmation that the fraudulent credit card application was permanently canceled Confirm that no account was opened, no credit line issued, and no credit reporting occurred Formally document this incident as identity theft, not a customer dispute Explain why Bank of America representatives failed to properly identify, escalate, and resolve this matter during my calls Confirm what corrective actions have been taken to prevent further misuse of my personal information This complaint is being submitted due to Bank of Americas failure to act with reasonable care after being notified of identity theft, resulting in preventable harm and continued risk to me as a consumer.

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 non-monetary relief