Consumer complaint received 2025-11-13 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
XXXX XXXX, XXXX, I received this email from my husband via his work email at XXXXXXXX XXXX XXXX. Please see my former complaint Case XXXX XXXXXXXX regarding my husband fraudulently took credit cards in my name. I filed a complaint with Bank of America, The Federal Trade Commission and the Consumer Financial Protection Bureau. 

From : XXXX XXXX XXXX Subject : Date : XXXX : Bank of America Payment/Remittance Advice XX/XX/XXXX at XXXXXXXX XXXX  To : XXXX Sent from my XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX XXXXXXXX XXXX XXXX Begin forwarded message : From : XXXX Date : XX/XX/XXXX at XXXXXXXX XXXX EST To : XXXX XXXX XXXX Subject : Bank of America Payment/Remittance Advice [ External E-mail . Use caution if opening Links and Attachments. ] CREATED XXXX XXXX BANK OF AMERICAXXXX XXXX XXXX XXXX XXXX REPORTING TO : XXXXXXXX XXXX XXXXXXXX FROM : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX UNITED STATES RECEIVER REFERENCE : AMOUNT PAID : XXXXXXXX USD XXXX XXXX : CREDIT PAGE XXXX PAYMENT METHOD : AUTOMATED CLEARING HOUSE ( ACH ) BANK ID : XXXX DEMAND DEPOSIT : XXXX DATE : XXXX CURRENT TRANSACTION TRACE NUMBERS : XXXX TRACE NUMBER : XXXX ENTITY ID XXXX : XXXX XXXX XXXX : USD ENTITY ID XXXX : PAYER CURRENCY XXXX : USD BATCH NUMBER : XXXX CUSTOMER PROCESS SPECIFICATION NUMBER : XXXX DESCRIPTION : XXXX PRIORITY RATING : XXXX COST ALLOCATION REFERENCE : XXXX RELATED TRANSACTION REFERENCE NUMBER : XXXX DESCRIPTION : XXXX DESCRIPTION : XXXX RECEIVING BANK : BANK ADDRESS INFORMATION : ADDRESS UNKNOWN ADDRESS : CITY UNKNOWN STATE OR PROVINCE :.. 
XXXX XXXX : XXXX PAYER : XXXX XXXX XXXX XXXX  ADDRESS INFORMATION : XXXX XXXX XXXX ADDRESS : XXXX XXXX OR XXXX : XXXX XXXXXXXX XXXX : XXXX COUNTRY XXXX XXXX  XXXX PAYER ID NUMBER : XXXX PAYEE : XXXXXXXX XXXX XXXX ELECTRONIC MAIL : XXXX Consignee ( To receive large parcels a : XXXXXXXX XXXX XXXX  DEPOSITOR : XXXX XXXX XXXX XXXX ADDRESS INFORMATION : XXXX XXXX XXXX ADDRESS : XXXX XXXX OR XXXX : XXXX XXXXXXXX XXXX : XXXX COUNTRY CODE : XXXX ASSIGNED NUMBER : 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  SELLER 'S INVOIC AMOUNT PAID DISCOUNT AMT DATE ORIGINAL AMT XXXX XXXX XXXX XXXX XXXX ADJUSTMENT AMOUNT : XXXX ADJUSTMENT REASON XXXX : Mutually Defined 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  END OF REPORT - FOR QUESTIONS, CONTACT XXXX XXXX XXXX XXXX I called XXXX at XXXX XXXX XXXX  to resolve at XXXX. XXXX sits she would look into this and stated they did no business with XXXX XXXX. 
I sent email to XXXX, asking for XXXX From : XXXX XXXX XXXX Subject : XXXX : Bank of America Payment/Remittance Advice Date XXXX XX/XX/XXXX at XXXX XXXX To : XXXX Hello. 
I sent this message and received a return message however it expired before I was able to read it. Would you please resend. 

Thank you, XXXX XXXX XXXX forwarded message : From : XXXX XXXX XXXX Subject : XXXX : Bank of America Payment/Remittance Advice DatXXXX XXXX XX/XX/XXXX at XXXX EST To : XXXX I want to report someone using my credit card information. 

I do not know what this charge is but I am getting a divorce and just located this email to my husband XXXX XXXX in XXXX. Can you please explain what this is from XXXX XXXX XXXX XXXX? Why it was sent to me and what it means please? 

On XX/XX/XXXX, I was in the Bank of America, XXXX where I learned my husband had added himself as an authorized user on my credit cards, called and changed the address, phone numbers, and asked for additional cards with different numbers. Please see attached Bank of America subpeonas sent on XX/XX/XXXX regarding the same matter. Please advise if asking for a subpoena in my divorce is the same as reporting abuse of my card. 
Can you tell me if the subpoena reached the correct entity and how I find out when the return is going to be completed? 
Best, XXXX XXXX XXXX Begin forwarded message : From : XXXX XXXX XXXX Subject : XXXX : Bank of America Payment/Remittance Advice Date XXXX XX/XX/XXXX at XXXX EDT To : XXXX Hello. 
I sent this message and received a return message however it expired before I was able to read it. Would you please resend. 

Thank you, XXXX XXXX XXXX forwarded message : From : XXXX XXXX XXXX Subject : XXXX : Bank of America Payment/Remittance Advice Date XXXX XX/XX/XXXX at XXXX EST To : XXXX I want to report someone using my credit card information. 

I do not know what this charge is but I am getting a divorce and just located this email to my husband XXXX XXXX in XXXX. Can you please explain what this is from XXXX XXXX XXXX XXXX? Why it was sent to me and what it means please? 

On XX/XX/XXXX, I was in the Bank of America, XXXX where I learned my husband had added himself as an authorized user on my credit cards, called and changed the address, phone numbers, and asked for additional cards with different numbers. Please see attached Bank of America subpeonas sent on XX/XX/XXXX regarding the same matter. Please advise if asking for a subpoena in my divorce is the same as reporting abuse of my card. 
Can you tell me if the subpoena reached the correct entity and how I find out when the return is going to be completed? 
Best, 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