Consumer complaint received 2026-03-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Subject : Fraudulent Credit Card Account and Charges Wrongly Assigned to Me ; Bank of America Refuses to Correct Error or Acknowledge Fraud. Issue : Bank of America has reported and attempted to collect a credit card debt that is not mine, involving an account and charges that were opened and/or used fraudulently while I was hospitalized and had no access to any devices, cards, or ability to conduct transactions. Bank of America has twice denied my fraud claims despite documented proof that the charges were impossible for me to make. What Happened I applied for and was issued one secured credit card from Bank of America with a strict {$300.00} credit limit. I never applied for, authorized, or received any unsecured credit card from Bank of America. From XX/XX/year> through XX/XX/year>, I was an inpatient client at XXXX XXXX XXXX ( documented through XXXX records and confirmed by the XXXX XXXX ). During this time : I had no access to my credit cards, phone, computer, or any personal devices. I could not make, authorize, or benefit from any charges. Any application or account opened in my name during this period was fraudulent. Despite this, Bank of America allowed charges more than ten times my secured credit limit to be approved. These charges are impossible for me to have made. I filed two separate fraud claims with Bank of America and provided : Proof of my hospitalization A formal letter from XXXX XXXX XXXX confirming my lack of access to all devices Evidence demonstrating my physical incapacity to conduct or authorize any transactions Bank of America denied both fraud claims without meaningful explanation and continues to hold me responsible for charges that occurred while I was hospitalized and incapacitated. What Bank of America Did Wrong They allowed charges far exceeding my secured credit limit. They failed to detect or stop clear signs of fraud. They refused to acknowledge indisputable evidence that I could not have made these transactions. They denied my fraud claims without proper investigation. They failed to follow proper procedures under the XXXX XXXX Billing Act ( FCBA ). They continue to report these fraudulent charges as legitimate debt. What I Am Requesting From the CFPB I respectfully request that the CFPB require Bank of America to : Reopen and properly investigate my fraud claims. Provide full documentation of the account application and all disputed transactions. Remove all fraudulent charges from my record. Cease all collection efforts related to this fraudulent debt. Correct any negative credit reporting associated with this account. Confirm that the only account I legitimately opened was the secured {$300.00} credit limit card. I am being held financially responsible for charges that were clearly fraudulent, made during a period in which I was physically incapable of conducting any financial activity. My Current Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA 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