Consumer complaint received 2025-06-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
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Affidavit of XXXX XXXX XXXX XXXX State of California XXXX XXXX XXXXXXXX Date : XX/XX/XXXX I, XXXX XXXX XXXX being duly sworn, do hereby declare and state the following : Personal Information Full Name : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Email : XXXX Background I am a resident of XXXX XXXX CA ] and have been living here since XXXX I have been a victim of identity theft, which began in around XXXX XXXX, and has continued for the past 6 years, but the past 8 months have been a nightmare Details of Identity Theft On XX/XX/XXXX, I discovered unauthorized activities on my credit report, which indicated that my identity had been compromised.

I have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}.

Stolen personal information, including my driver 's license and social security number. 
Fraudulent accounts opened in my name without my consent. 
Attempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents. 
Each time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.

I have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.

Impact on My Life The ongoing identity theft has caused significant emotional distress, including XXXXXXXX XXXX XXXX XXXX which I have sought medical attention for. 
I have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my XXXX mother who relies on me for care. 
I have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves. 
Current Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions.

I have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and XXXX

Request for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI Cybersecurity Unit, etc. ] to investigate my claims and provide guidance on how to resolve these issues.

I request that my situation be taken seriously and that appropriate actions be taken to protect my identity and restore my financial stability.I also still never received my driver 's license renewal and I could not buy a phone or cash a check today with the paper from the DMV. I'm scared.I don't have money, and when I get my paycheck, with a card copy driver 's license, I am afraid I can't and my bank account is not trustworthy at all andbthw employees are deceitful and unsympathetic.Pleaae, I know the hackers doctored everything from the bank they just don't pay attention to the obvious details or care. 
I declare under penalty of perjury that the foregoing is true and correct. 

Signature : XXXX XXXX [ Tips for Tailoring Your Affidavit : Be Concise : While it's important to provide details, try to keep each section focused and to the point. 
Use Clear Language : Avoid jargon and ensure that your statements are easy to understand.

Document Everything : If you have any supporting documents ( e.g., letters, emails, police reports ), mention them in your affidavit and attach copies.

Consult an Attorney : If possible, have a legal professional review your affidavit to ensure it meets the necessary legal standards and effectively communicates your situation. 
Feel free to modify this template as needed to fit your specific circumstances and the requirements of the agencies or officials you are addressing. 

Thank you, this is very good. Can you also add the companies specifically involved in elevating the issues, like XXXX refusing in person to change out a phone they were shown was already being controlled by hacking, the bank employees dismissing my concerns months ago when I showed them the fake phone app with a fake number, XXXXXXXX XXXX not better securing their play protection to catch obvious false applications with spoofed mirring and not cryptography signature on the credit certificates, has many ungranted permissions deemed dangerous alot being expired. Every scan showed no issues ever. XXXX never alerting me when a strange phone out of the area would log into my phone and my password manager had passwords changed to diffeent apps, even I.D me, used for IRS identification and when every email created was erased It was being used to get payday loans from online apps once used, but they blocked me so they could take money in my name and use my sister 's XXXX XXXXransfersb as a cover for the stolen funds, but she wouldn't ever send 4 ; for different amount XXXX day that I supposed to have withdrawn 4 times but the receipts from the XXXX ATM would be qr codes, no dollar amounts. I also found a copy of my timecards in a hidden file planned for a loan. I also have been missing my driver 's license I paid for months ago, but never received and even went to DMV a couple months ago and again never received it. Can you focus more on the terrible things these hackers did?

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I have been a victim of identity theft, which began during the beginning of the COVID-19 pandemic, and has continued since.

Details of Identity Theft Now on multiple occasions I discovered unauthorized activities on my credit report, indicating that my identity had been compromised.

I have experienced multiple instances of identity theft, including but not limited to : Unauthorized transactions on my bank account totaling {$5000.00}.

Stolen personal information, including my driver 's license and social security number. 
Fraudulent accounts opened in my name without my consent. 
Involvement of Companies XXXX : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. 
Bank of America : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. 
XXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password manager.

Identity Theft Services : I have been targeted by hackers who used my personal information to apply for payday loans through online apps. They blocked my access to these accounts, allowing them to withdraw funds in my name. My sister 's XXXX transfers were manipulated to cover the stolen funds, with transactions appearing as QR codes without dollar amounts.

Impact of Hacking The hackers have taken extreme measures to invade my privacy and financial security. They have : Changed passwords for critical applications, including my IRS identification app, making it impossible for me to access my accounts.

Created hidden files containing my timecards, which they planned to use for fraudulent loans. 
Caused me to lose my driver 's license, which I paid for months ago but never received. I visited the DMV multiple times, but I still have not received my license.

Engaged in a pattern of harassment, including sending threatening communications and impersonating various agencies to further confuse and intimidate me. 
Attempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ XXXX, XX/XX/XXXX ], to report these incidents. 
Each time, I was met with indifference and a lack of support. For example, on XXXX, XXXX, an XXXX XXXX mocked my concerns and failed to file a proper report. 
I have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.

Current Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement and financial institutions.

I have received threatening communications from individuals claiming to be associated with various agencies, further exacerbating my fear and XXXX. 
Request for Assistance I am seeking assistance from [ list the agencies or officials you are contacting, e.g., CFPB, FDIC, FBI Cybersecurity Unit, etc. ] to investigate my claims and provide guidance on how to resolve these issues.

I request that my situation be taken seriously and that appropriate actions be on identity theft and consumer protection.

My credit reports : Currently I'm blocked from logging in. And when I call, I reach an answering machine.

Fake Applications : I have been targeted by hackers who created fake applications that mimic legitimate services, allowing them to steal my personal information and apply for payday loans in my name. 
XXXX Transfers : They manipulated my sister 's XXXX transfers, making it appear as though I had withdrawn funds multiple times, while the receipts provided were QR codes without dollar amounts, obscuring the actual transactions.

Identity Theft of Employment Records : I discovered hidden files containing my timecards, which the hackers planned to use for fraudulent loans, further jeopardizing my employment and financial stability. Disruption of Communication : The hackers have blocked my access to important accounts, including my credit bureaus, preventing me from checking for new fraudulent activities. When I attempt to investigate online, I am often shut out for security reasons. Loss of Personal Documents : I have been unable to receive my driver 's license, which I paid for months ago, despite multiple visits to the DMV. 
Involvement of Companies XXXX : I approached XXXX to replace a phone that was being controlled by hackers. Despite showing them evidence of the hacking, they refused to assist me in changing out the device. 
Bank of America : I reported my concerns about a fake phone app with a fraudulent number to bank employees months ago. They dismissed my concerns and failed to take appropriate action, allowing further unauthorized transactions to occur. 
XXXX XXXX : XXXX XXXX has not adequately secured its XXXX XXXX, allowing obvious fraudulent applications to bypass security measures. Many of these apps had ungranted permissions deemed dangerous, and their cryptographic signatures were expired or missing. XXXX failed to alert me when a strange phone logged into my account from an unfamiliar location, leading to unauthorized access to my password manager.

Impact of Hacking The ongoing identity theft has caused significant emotional distress, including XXXX XXXX XXXX XXXX which I have sought medical attention for.

I have lost access to my bank account, which has severely impacted my ability to support myself and my family, including my XXXX  mother who relies on me for care.

I have lost multiple personal items, including cell phones and other important possessions, due to the actions of the identity thieves.l, whom I might finally know who.. 
Attempts to Seek Help I have contacted the local law enforcement department on multiple occasions, specifically on [ list dates ], to report these incidents. 
Each time, I was met with indifference and a lack of support. For example, on [ specific date ], an officer [ Officer 's Name ] mocked my concerns and failed to file a proper report.

I have also reached out to my bank, [ Bank Name ], regarding the unauthorized transactions, but they have not provided adequate assistance.

Current Situation I am currently unable to secure employment due to the ongoing issues with my identity and the lack of support from law enforcement inaccurate or offensive.thwy never provided a report, even though a lot of the crimes were not online.I know i need help from other agencies, the police I could walk to.Wvwryone else, including your organization, the hackers have blocked things I've sent when this all started .They have the entire time blocked me and everyone from me.

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