Consumer complaint received 2025-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Bank Of America XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX To Whom It May Concern : Subject : Dispute of Fraudulent Accounts Due to Identity Theft and Data Breach with XXXX XXXX XXXX, XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX Data Breach, Equifaxs data breach, and XXXX. 
I am writing to formally dispute an account fraudulently appearing in my bank account ending in XXXX. I did not open these accounts or authorize anyone else to do so. These accounts result from identity theft, and the information reported is not accurate or authorized by me and must be removed from my bank account immediately. These charges have caused an overdraft on my account. Bank of America said it did an investigation, and the charges were correct. I contacted XXXX, and XXXX has stated that no investigation was carried out by Bank of America, yet the bank gave me a credit of {$280.00}, and 5 days later, the bank reversed the charges back to my account, which over drafted my account, even after I explained this was a fraudulent charge. Bank of America decided without doing a proper investigation. I am requesting that my money be put back into my account. {$280.00}. 

The following accounts are not mine : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am formally requesting that you : 1. Conduct a thorough investigation into these accounts.

2. Documentation bearing my signature shows that I agreed to pay this alleged debt.

3. A copy of the original application or agreement that grants any party the right to collect or report on this alleged debt.

4. Do not contact me until I have received the requested documentation.

5. Remove any information related to these fraudulent accounts from my credit report.

6. Cease reporting these accounts to any credit bureau or third party.

Please be advised that a failure to comply with this request may result in a formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office. I also reserve the right to pursue legal action to protect my rights under federal and state law. 
I expect written confirmation that these accounts have been removed, along with an explanation of your findings, within 30 days of the date of this letter via mail only. 
Sincerely, XXXX 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 explanation