Consumer complaint received 2025-03-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it concerns, Bank of America opened a checking account and savings account in my name without my consent back in XXXX of XXXX. Account ending in XXXX and XXXX. During this time, Bank of America, Allowed someone to register online banking, and to apply for the accounts. I believe this was conducted by an identity thief. My Wallet was stolen at the time, and my drivers license was also stolen. This would allow an identity thief to use my social security number, and drivers license. At the time of account opening whomever opened the checking and savings account they made several transactions. Bank of America allowed thousands of dollars in XXXX Transfers, Check Deposits, ATM Withdrawals, ATM Deposits. In Branch Withdrawals. None of which I authorized. On XX/XX/XXXX I was supposed to receive a check from the State Of Texas Comptroller ( XXXX XXXX ) This is a Warrant Check from the state of Texas in the amount of {$2600.00}. Warrant Number # XXXX. This was stolen from the mail, and I never received this check. I was informed by the State Of Texas that this check was deposited into a Bank of America Account ending in XXXX. Also which was opened as Identity Fraud. Bank of America Denied the Check Fraud claim on this check warrant from the Texas Comptroller stating that the check was deposited into the intended payee 's account and the intended payee benefited from the check. This is false. The Check was deposited into the fraudulent checking account ending in XXXX on XX/XX/XXXX. I sent a Forgery Affidavit to the State of Texas who forwarded this to Bank of America. It clearly shows the check was forged and deposited into this fraudulent unauthorized account. I do not know whom deposited the check, however I do know I did not receive any benefit from the proceeds and I did not receive the check. ERS has advised to me that I need to reach out to Bank of America Claims Department Regarding Claim # XXXX Which I did. I asked to reopen the claims and stated that I am a victim of identity theft and that I did not sign any account applications for Bank of America. I did not authorize this deposit, and I completed a Notarized Identity Theft Forgery Packet and that was forwarded from the Comptroller to Bank of America. Bank of America told me that I needed to complete the Identity Fraud Claim Packages they sent me for the accounts, and send it back by email or mail. Which I DID. I included a police report and Identity Theft Affidavit. After Resolution, Of my previous issues. I contacted Bank of America again, the claims department today. XX/XX/XXXX. I was told that my claim couldn't be reopened because the identity theft claims for account ending in XXXX is still pending and not resolved yet. I was advised by Bank of America once this is resolved, and that the accounts are closed for Identity Fraud. I will receive a compensation check in the amount of {$2600.00} From Bank of America and that I will not need to reopen the account. Since I did not benefit from the proceeds of this check, I am requesting Bank Of America to reopen the claim and to issue a refund in the amount of {$2600.00} from the Proceeds that I did not receive. This is my retirement check that I am entitled to. I did not deposit this check into any accounts with Bank of America. I am not sure whom did. When the State Of Texas sent a claim package to Bank of America they advised that I was a victim of Identity theft. Additionally, Bank of America is not closing these accounts as Identity Theft which they should be. I should not have this count against me internally with Bank of America as I did not benefit from these accounts. All XXXX Transactions were and are fraudulent. All Transfers to and from these accounts are and were fraudulent. I did not register the online banking profile. I did not receive any Debit cards for these accounts. I did not receive any account opening documents, and I did not sign any account applications. At this time, Bank of America owes me monetary relief for the XXXX XXXX check in which I am entitled that they stole.

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