Consumer complaint received 2025-01-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
I have been a Bank of America customer for 16 years with an authorized checking account and an exceptional payment history with my Bank of America mortgage. 

On or about XX/XX/XXXX, I learned for the very first time, via XXXX that I have been a victim of identity fraud associated with the following fraudulent credit cards and checking account : Fraudulent Bank of America Credit card ending : XXXX Claim number XXXX Amount : {$3600.00} Fraudulent Bank of America Credit card ending : XXXX Claim number : XXXX Amount : {$11000.00} Fraudulent Bank of America checking account : XXXX XXXX XXXX I have never resided at, occupied, utilized, or otherwise used the following addresses and phone numbers. 
the address located at : XXXX XXXX XXXX XXXX, XXXX, NY XXXX ; the address located at : XXXX XXXX XXXX XXXX, XXXX, CA XXXX ; Phone : XXXX ; XXXX ; On or about XX/XX/XXXX, I called Bank of America to inform them about the inappropriate use of my identity to open two credit cards, but there was no history that they could identify. I received two case numbers from a Bank of America representative XXXX from Arkansas and that they will seek to remove it from my credit report : XXXX ( overdue balance of {$11000.00} ). 
XXXX ( overdue balance of {$3600.00} ). 

On or about XX/XX/XXXX, I spoke with another Bank of America rep and used the fraudulent phone number ( XXXX ) on file to locate these fraudulent accounts and thats when she filed the claim. 

On the fraudulent credit card, between XX/XX/XXXX, XXXX XXXX XXXX, the fraudster was in New York XXXX Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX and XXXX XXXX XXXX CA. I cant possibly be in two places at once. 

On the fraudulent credit card, between XX/XX/XXXX XXXX XXXX, XXXX, the fraudster was in XXXX. Meanwhile, my active XXXX credit card states that between XX/XX/XXXX XXXX XXXX, XXXX, I was in XXXX XXXX XXXXXXXX XXXX Again, I cant possibly be in XXXX places at once. 

It is not a best practice to open credit cards while getting a mortgage : I received my Bank of America mortgage in XXXX XXXX  XXXX on XXXX XXXX, XXXX and I was moving on XX/XX/XXXX. I rented a XXXX  on my XXXX  credit card on XX/XX/XXXX in XXXX XXXX  XXXX, as stated in my XXXX  credit card statement. So there's no way that I can be in California opening two fraudulent Bank of America credit cards on XXXX XXXX, XXXX. 

I am not the XXXX XXXX that received statements or made payments at XXXX XXXX XXXX XXXX, XXXX, NY XXXX and/or XXXX XXXX XXXX XXXX, XXXX, CA XXXX. 

Bank of America sent me credit card statements and checking account statements where the account ending does not align with the claim numbers.

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