Consumer complaint received 2025-11-18 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
XX/XX/year> Bank of America XXXX. XXXX XXXX XXXX, TX XXXX Sirs & Madams, I would like to report a serious error in the Bank of America organization . You may possibly have a case of internal fraud or identity theft within your bank, or at the least, a case of an overzealous bank worker who presumes that I want an account with your bank. Whatever the case, I am being harmed by the actions of the Bank of America. 

In late XXXX early XXXX I went online looking for a no interest bank transfer offer for the purpose of assuming debt for my daughter and husband who are struggling with debt. I contacted a few banks at that time. This was an inquiry not a solicitation for a credit card account with BOA or any other bank. 

As it turned out, I rejected BOA because you offered a {$5000.00} credit line, much less than I needed since I needed to finance {$11000.00} in debt. I received a welcome letter from BOM dated XX/XX/year>. I did not activate the credit card which was also sent to me. The card expiration was XX/XX/year> so I thought that this was the end of the matter. 

I received a statement for XXXX XXXX to XXXX XXXX, 2025 and responded by calling customer service on XX/XX/year>, spoke with XXXX and cancelled the account. A balance transfer of {$4700.00} was noted on that statement. This is a random, imaginary dollar amount which does not correspond to anything that I needed or inquired about. To me, this seemed absolutely silly and indicated that your bank has an odd way of assigning balance transfers. XXXX promised an investigation. 

I received a letter dated XX/XX/year> which said, XXXX, we are crediting your account for {$4700.00} while we research your claim. The return address on the letter is XXXX XXXX, XXXX. Box XXXX, XXXX TX XXXX. 

I received a response to the investigation dated XX/XX/year>. It informed me that, XXXX, we were unable to approve your recent claim. But it also stated that, ( to quote )... a balance transfer ( that ) went directly into an account in your name. I called again and this time got XXXX from Arkansas who asked me if I had a XXXX XXXX credit account and please check it. She waited while I went to XXXX XXXX online. No credit appeared in the account ledger. She said that another investigation is in order and I would hear back in about 45 days. As long as I had her on the line I explained that I never saw her money ; I do not need her money ; I do not want her money, and I would return the money if it ever showed up. I also requested detailed documentation as to where, or to whom the {$4700.00} was deposited. I wanted a more detailed report of any transactions which were made in my name. On XXXX XXXX I reveived what amounted to an account summary which I already had. No details. 

I received a letter dated XX/XX/year> which stated, again, that, XXXX, we were unable to approve your recent claim. The big difference in correspondence this time, is that the letter threatens me with their having, contacted these credit reporting agencies to add a comment to your credit report stating you disagree with our decision on your fraud claim. Is this a pressure tactic? I want BOM to know that I will not acknowledge the legitimacy of YOUR claim by paying anything to the BOM. 

As I stated at the start of this letter : You may possibly have a case of internal fraud or identity theft within your bank, or at the least, a case of an overzealous bank worker who presumes that I want an account with your bank. Whatever the case, I am being harmed by the actions of the Bank of America.

My latest statement from BOM restates the contention that I owe you {$4700.00} ( + ). The difference is that the latest statement has a different account number. 

Honestly, I dont know whats going on. This whole transaction is an error and you should walk it back. Please take your money back and terminate whatever accounts you have created. I am going on the record as saying that I do not want BOMs money. I did not authorize any sort of monetary transaction. I never activated your credit card. 

I would like you to, please, thoroughly investigate this matter and/or, if necessary, refer this matter to your legal department. 

Best Regards, XXXX 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 non-monetary relief