Consumer complaint received 2025-08-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
in the beginning I was already experiencing identity theft and I specifically told the person who opened up an account this I think I received about {$3000.00} when I open the account it was through my dad passing away I told them that I only wanted to do transactions in person and only by a teller never any cards I wanted an issue I never wanted any other accounts except the savings account I said no transfers no XXXX I said no wires whatever that is I told them that I do not want credit cards ATM cards and I did not want online banking because my phone was always getting stolen and it still is in fact they hijacked my phone number which was XXXX who knows who did it but with this phone number in their possession they were able to get a one time pin sent to their Phone you could check the phone company to verify this is accurate the phone company I was with at a time was XXXX  and then it switched to XXXX XXXX with who I have now in fact there was transactions of withdrawals from money at some branches or that were in person but without an ID for some reason many times. there was bank accounts open many times from different states according to my credit report, there was checks cashed that were supposed to be sent to me but since my mail was forwarded somebody else received them and was able to catch them online and I don't know if in person but it would not surprise me considering I also have my license used in another state meaning that they must've applied for my license with their picture on it and my information. At least that's what the person on the phone a representative of Bank of America told me someone did. The dMV issued a license with someone else 's picture also there was XXXX transfers there was wire transfers there was ATM cards and debit cards which were supposed to go to my house but since the mail was forwarded without my knowledge it went to the perpetrator 's house which led to a XXXX XXXX everybody in the XXXX branches will vouch that I only do transactions in person when I asked for the reports I've only done them by paper and waited for the mail to arrive all the statements that were supposed to arrive so I could see the fraud even when I fixed the post office problem with forwarding my mail they will just do it again and they received current statements every time I still have yet to receive one statement the only time I receive statements is in person but I couldn't receive all of it going back to when I opened up the account in 2022 because they said they can't go that far back they know I have a XXXX XXXX XXXX XXXX so it's hard for me to compute in my mind numbers. but I never ordered any cards so whoever stole my phone number whoever stole my identity and made a card from the DMV was able to forward my checks that I was waiting for and they were able to cash them using a fraudulent identification card and online which as I said I said no nothing onlinethey will not give me all of my statements to address this matter and it has been since 2022 but they said they also put in the system because of the special circumstance they will waive the 30 day limit to report because of the special circumstance so this does not have an expiration date for this claim and I wanted to do this correctly because a lot of money is at stat over {$200000.00} in a court win which I have no way of getting back yet and no one has helped me yet and I haven't began to address the issue other than making calls saying I need a statement because I did not spend any money or cash any checks they said that I've already made claims on the phone but I did not make a claim yet on the phone it was an imposter just trying to get reimbursed money they spent on accounts that were unauthorized but they were my checks that were getting forwarded to their home and not mine

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