Consumer complaint received 2026-01-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
This is further to complaint reported on XXXX ( # XXXX ) regarding fraudulent credit account opened using my personal information under my Bank of America account XXXX As previously reported, per emails I received, the fraudulent credit card account was added to a phone and charged up to {$14000.00} via XXXX XXXX ( i do not have XXXX XXXX ) over the months of XXXX through XXXX, XXXX. Additionally, an automated phone payment was made in my name, transferring {$9000.00} to this same credit card. The address associated with the fraudulent credit card does not belong to me. This fraudulent address is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX. I did open on more than one occasion a fraud claim with Bank of America. It is important to note that the account is not actively used on a regular basis. It only holds a certificate of deposit ( CD ) containing {$19000.00}. Since reporting the fraudulent credit account, my relevant checking account was effectively closed and the credit card which was legitimately in my possession at that time was canceled. At present, the only account relevant is my CD. I am concerned regarding continued identify fraud and use of my details at Bank of America. 

Since filing the above complaint, described in detail, Bank of America did not recognize my claim as identify fraud and instead only as 'credit claim ' handling only partial funds and a remaining balance on this fraudulent account remain under my name now at {$9100.00}. Attached XXXX letters received from Bank of America dated XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. 
I never received a response from Bank of America to my previous complaint posted. 

Despite my repeated reports of identity fraud, the fraudulent account ( # XXXX ) remains open and continues to show an outstanding and now overdue balance. Bank of America has stated that because payments were made to this credit account, my identity-fraud claim is being disputed. However, as I have already reported, these payments originated from an address in XXXX XXXX, XXXX address that is not mine and has never been associated with me. 

I again emphasize that this account was fraudulently opened without my knowledge or authorization. I am requesting immediate resolution, including the closure of the fraudulent account, reversal of any associated balances, and full correction of any negative credit reporting caused by overdue payments on an account that does not belong to me. 

* * The account number # XXXX I have referenced on following section of this report is not mine and is provided solely for identification purposes to facilitate the handling of this case. It should not be interpreted or recorded as an acknowledgment of ownership or association with this account in any way. I trust this clarification is clear.

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 monetary relief