Consumer complaint received 2026-05-19 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
State: GA

Complaint narrative:
My husband who died committed fraud and opened several credit cards in my name. He used my name and social security number and his income, phone number and email. hid it from me. He made sure he got the mail every day. He gave me other important stuuff so i could handle it but I never saw credit card statements. He was a disable Veteran with service connected XXXX XXXX, plus had several other health conditions that made him unpredictable. I never knew which version of him was going to appear. He was every type of abuser expect physical. He was really sick and died on XX/XX/XXXX. I found out about the credit card fraud. I called bank of america and told them the situation. All they did was try to get me to continue you pay. I told them I could not because when e died all of the money he was getting from XXXX and VA XXXX went with him. I again told them the charges of {$7600.00} and {$9400.00} were made on cards he opened in my name. I never used the cards or benefitted from them. I then got served papers on XX/XX/XXXX stating Bank of America was suing me for both of the cards. I submitted an answer letter to the court disputing the charges as fraud. I included a police report and reasons why i did not owe the debt. I took the answer letter to the cout house before the 30 days time limit. Also mailed a copy to Bank of America Lawers. I have proof so does the courthouse, I also put a fraud alert on my credit report with an explanation to creditors that I was a victim of fraud and abuse. I kept checking for a court date and Still in XXXX had not seen one online or received anything by mail. I called the court house and she said there were no dates in the system. XXXX XX/XX/XXXX I called the Bank of america Lawyers. XXXX told me Bank of America denied that it was fraud. The case so not there responsibility anymore call bank of America. She gave me the case #. and transferred me to B of A. I talked to XXXX in Arkansas and XXXX in XXXX Arizona on XX/XX/XXXX at XXXX XXXX. They could not help me. I finally got ahold of XXXX on XX/XX/XXXX when i called the fraud department. He got in touch with the Fraud team that made the decision it was not fraud. He said they would reopen the case. He gave me the claim numbers to both cases. I asked if I needed to send IN anymore proof of fraud for the claim. He said no I can see in the system that you already did that. He said I will send you an email with what we talked about today., the new claim and how to track it. Any further communications will be through the bank of America app. The only email I got was how to check messages on app or online, There is no info about the newly opened case in my app. On XXXXI received an email for a civil action suit for the {$7600.00} case that was previously answered. Bank of america is stating that I never communicated with them and they deserve full amount plus court costs, without a hearing and they deserve it because the defendant opened the credit card and used it. That there is no more issues of material fact in the dispute, They deserve a summary judgment. I sent them proof In the answer letter .I communicated with them when I got calls from the very beginning. Payments were made on the account without failure by my husband until he could hide it no longer. i informed them of the situation I was in there is proof by the many phone calls between me and them. I know they are going to try and do this with the second card too. he did this for several other cards and they have been approved as fraud and taken off my credit report.

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