Consumer complaint received 2024-04-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Bank of America has ignored and violated my rights to receive all copies of the documentation related to a credit card opened on XX/XX/XXXX under my name in a fraudulent way. The following dates are the times I called the fraud department and the answers I received when I inquired for a copy of the documents of the application for a credit card submitted online that brought me to face identity theft. 
XX/XX/XXXX at XXXXXXXX XXXX I called the fraud department and requested the application form submitted under my name. The answer was that in 3 days I would receive it by regular mail. I did not receive it. 
XX/XX/XXXX. at XXXXXXXX XXXX  I called to Fraud department again and requested the credit application form be sent to me the answer was that the document was already sent and was in the mail and I would receive it in two days. I did not receive it. 
XX/XX/XXXX. I called again to fraud department with the same request. This time the answer was that I would receive it in seven days. I did not receive it. 
XXXX XXXX. I spoke also with another associate trying to confirm when I would receive the copy of the application for a credit. XXXX said that in the next few days, I would receive it. I did not receive it XX/XX/XXXX I received a letter from Bank of America dated XXXX XX/XX/XXXX with the following documents : A letter with instructions and information about my rights. A document with the title of " Fair and Accurate Credit Transactions Act. XXXX ( FACT Act ) Identity Theft Victim Request for information. Uniform Affidavit for Identity Theft. and a document to be. completed by a Notary Public for Claimant - All States. 
XX/XX/XXXX I filled all documents, notarized them, and sent them through out United States Postal Services " Certificated Mail '' tracking number XXXX XXXX XXXX XXXX XXXX XXXX. 
XX/XX/XXXX. at XXXXXXXX XXXX the package was delivered at XXXX. XXXX XXXX XXXX, XXXX, AZ XXXX by the US Postal Service according to their records and also according to the text information that I received from the Postal office. 
On XX/XX/XXXX I received a letter from XXXX XXXX " Resolution Specialist Regulatory Complaints '' from Bank America informing me of the response to my claim about Bank of America granting a fraudulent credit card last four digits XXXX for XXXX dollars. the first page of the letter said " Additionally, it has been confirmed with our fraud department that your request for a copy of the application was processed on XX/XX/XXXX, and can take 7 to 15 business days to receive. If you do not receive a copy of the application within that time period, please call the fraud department at XXXX XXXX XXXX ''. I did not receive it. 
Today XX/XX/XXXX I called this phone number XXXX XXXX XXXX. The first associate of Bank of America transferred me to the Deposit Site department, I spoke with XXXX XXXX and explained that I did not receive the documentation that I requested. She transferred me to a credit card fraud department. again I was transferred to the Card services department in Arizona I spoke with XXXX XXXX transferred me to the fraud department in Arkansas, and she said that I have to talk with the application fraud department at XXXX XXXX XXXX and everything started again!!! this is a great example of how Bank of America treats people. 
I called again to the same phone number and after a long wait, XXXX XXXX on check fraud detection answered. After I explained that I hadn't received the documents that I required and also that I sent the documents that the Bank was asking for, she put me on hold while she spoke with her supervisor. after XXXX XXXX told me that they DID NOT RECEIVED THE DOCUMENTS BY MAIL! 
I EXPLAINED TO HER THAT I HAD PROOF THAT THE DOCUMENTS WERE RECEIVED BY THEM BECAUSE I SENT THEM THROUGH CERTIFIED MAIL! She again said that she had to talk with her supervisor. After this, she came back saying that I had to call again in the afternoon because they had to bring this situation to a higher level. I asked for the names of the supervisors and my petition was denied. 
Bank of America is no complaint with the FACT Act.

Bank of America lied to me all the time.

Bank of America granted a credit without confirming my identity.

Bank of America denied receiving mail from UNITED STATES POSTAL SERVICES. even though I have the proof because I sent it as a certificate mail I called United States Postal Services today and they tracked the package confirming that was delivered! 
Bank of America did not care about people, old people, and XXXX people! 
I wonder if this Allegiant Vacation, LLC credit card opened on XX/XX/XXXX, had the application report document or if it was a strategy of Bank America to expand their business.

Today I didn't want to spend hours calling again Bank America to receive another lie, now from the higher supervisor level. I decided to report again to Bank of America. 
ALL ASSOCIATES THAT SPOKE WITH WANTED TO CONFIRM MY IDENTITY USING A CELLPHONE NUMBER ENDING IN XXXX. I REPORTED SEVERAL TIMES THAT THE PHONE NUMBER ENDING XXXX IS NO MY. but they still use the information provided for the person that impersonated me to confirm my identity. Today I asked them again to change or erase that information. I do not feel secure with this Bank in any time another person with my information can apply for credit and they will granted. 
I attached the following document photos : Package sent to Bank of America by Mail Copy of Letter from Bank of America dated XXXX XX/XX/XXXX " We need to tell you about your rights ''. 
Copy of Fair And Accurate Credit Transactions Act of XXXX ( Fact Act ) filled up. 
Copy of Uniform Affidavit for Identity Theft Filled up Copy the second page from points 10 to 15 filled up. this page was signed in front of the notary public before sending it. 
Copy of the police report " Victim Request for Confidentiality. 
Copy of XXXX XXXX XXXX XXXX XXXX XXXX Report XXXX XXXX pages ) Copy of my driver 's license. 
Copy of document to be completed by a Notary Public. this document was sent completed, signed, and stamped by a Notary.

Copy of the Certified Mail receipt.

Copy of the receipt from the United States Postal Service transaction.

Copy of the text messages received from USPS showing the date and time of the delivery of the documents.

additional documents Envelope from Bank of America with the date that was sent it.

copy of the front page showing when I received it. 
Letter from Bank of America dated XXXX XX/XX/XXXX. with instructions on when I supposed to receive the documents that I asking for. and what to do if not. 
Additional information. 
copy of the identity theft report ( in XXXX )

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