Consumer complaint received 2021-12-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: OH

Complaint narrative:
Starting more than a year ago, my employer, XXXX XXXX XXXX XXXX XXXX, used information that they had gathered about me through the hiring process to access my bank accounts fraudulently, spend money, launder money, steal my HELOC loan ( I reported this back over the summer of 2021 but I didn't think my employer would have done it ). 

Today I found several of their email addresses in my XXXX but not visible on my desktop. Essentially, they used the computer I had left on in the office when I was fired in concert with keystroke data saved by the IT dept to defraud my {$70000.00} HELOC loan with XXXX XXXX, launder money, charge off purchases through connections they knew at XXXX XXXX, and completely destroy my credit. As of XXXX XXXX, every single deposit account I have or had has been closed. This presents a problem because I have two mortgages on two properties that are held by XXXX XXXX  and now I can't use my own deposit accounts to pay for them. And it's not that then accounts were negative, XXXX XXXX  sent me a {$280.00} check and closed my account, most likely because they are running scared that they didn't notice the fraud earlier Additionally, they began committing identity theft around XXXX of 2021 with my Bank of America account when I started having my paychecks deposited there. In late summer, I saw XXXX XXXX XXXX email in my XXXX keychain for my XXXX account, then a few months later, I saw XXXX XXXX, my human resource director, save an account with XXXXXXXX XXXX XXXXXXXX XXXX or XXXX XXXX in my XXXX Keychain. These people were able to get into my accounts because they were either friends of friends and had accessed my information OR they work in my human resources office and have access to my personal identifying information as part of the hiring and health benefits process. As a matter of fact, XXXX XXXX freely used my flexible health spending account as she pleased over the last year of my employment before she tried to say that I was XXXX so she could get rid of me because my " catching on '' to her unethical behavior was not something she felt like dealing with. So I lost my job of 8 years. 

Now, three months later, this sad example of a " human resources director '' continues to deny my unemployment ( most likely because she's collecting it herself OR because I actually am still on the books as an employee and she's collecting that paycheck. 

Over {$100000.00} of stolen monies later, as I have been rendered destitute, XXXX XXXX still works at the XXXX XXXX XXXX XXXX and oversees approximately 500 court employees and court of appeals judges ' personal information and health benefits, no doubt skimming as much as she can for herself while trying to fly under the radar of discovery. 

Icing on the cake, in XX/XX/2021, my own HR department colluded with the DOJ and local police to web spoof and hack me so terrifyingly, that I had a XXXX XXXX, and the police were waiting, at the ready, to pink slip me into a XXXX XXXX for 4 days. Just to use me as a scapegoat to cover up their own mess. 


Back in XXXX, I made a report to you about my " vanishing {$70000.00} HELOC loan from XXXX XXXX  ''. I don't think it vanished at all. Now I think someone from my HR dept got ahold of it, spent it, and the bank doesn't want to admit they made a mistake so they deny me my loan and close my deposit accounts after I point out that someone in law enforcement used my bank account to buy an office chair at XXXX when I had purchased a computer only. I looked at my bank statement and the chair had been " charged off '' to a {$0.00} balance. Apparently, this is what law enforcement does when they XXXXXXXX XXXX  -- throw someone else under the bus or simply get the banks to cover it up for them. XXXX XXXX, Chief Criminal Investigator for XXXX XXXX ( or just a retired grandad impersonating law enforcement -- also a crime ) supposedly bought that {$250.00} chair on my credit card account and then had someone at XXXX XXXX  " charge it off '' for him once he realized that I'd purchased my computer with gift card and not the bank account itself. 

I keep getting phone calls about a home I apparently own at XXXX XXXX XXXX in the XXXX XXXX neighborhood in XXXX. I was unaware that I owed this home, but at this point, it's anyone 's guess. I think my good credit has been stolen and loans and credit cards have been opened by people I know all over the midwest. 

Last Friday, I drove to the FBI in XXXX to explain what I understood at that point. An officer named " XXXX '' scribbled a few notes and then blew me off. 

How much financial and emotional abuse do I have to take before someone stops these govt XXXX from stealing from me? 

I should owe about XXXX XXXX on my two properties. Instead I now owe about $ XXXX in debt. If someone has my personal info and they go to a bank I'm not even affiliated with and use my information to secure a home or car loan, how would I ever know about it? Especially if they are a seasoned thief? 

I demand to know where my money is going and how has the nerve to take it. Please help.

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