Consumer complaint received 2025-07-25 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: MA

Complaint narrative:
* * * THIS IS NOT A DUPLICATE COMPLAINT * * * THERE ARE COURT DOCUMENTS ATTACHED TO THIS COMPLAINT NOT ATTACHED TO THE PRIOR COMPLAINTS THAT SHOW I HAVE A CIVIL ACTION AGAINST THOSE WHO CHARGED MY CREDIT CARD WITHOUT MY AUTHORIZATION * * * PLEASE DO NOT MARK AS DUPLICATE * * * I REQUEST BOA RESPOND PLEASE * * * This is a follow-up complaint against Bank of America ( `` BOA '' ) to my previous CFPB Complaint ( CFPB Case No. XXXX / BOA XXXX XXXX. XXXX ). Original card No. XXXX. Discharged debt : {$14000.00}. COMPLAINT : In XXXX of XXXX, I was XXXX  and XXXX  by federal agents and I've been XXXX  ever since. While I was XXXX, my then-wife and her restaurant manager conspired to steal money from me and to fraudulently use my credits cards without my authorization and by pretending to be me ( identity theft ). In early to mid XXXX, my then-wife and her restaurant manager made several fraudulent and unathorized charges to my BOA credit card. I disputed these fraudulent charges after learning of them months later, but BOA denied the claim stating that they " determined that [ I ] benefited directly from the transactions made on the account. '' This is a false determination on their part since no such evidence of this exists. Consequently, in XXXX, BOA discharged the fraudulent debt in the amount of {$14000.00}, filed a 1099-C with the IRS, which then caused in an income tax liability on my part. REQUESTS : As a result of the above, and as the attached letter states, I'm asking for the following responses from BOA : 1. I request BOA provide documentation related to the fraudlent transactions made to my BOA credit card, including evidence that how the merchant who processed the transactions verified that the person conducting the transaction was authorized to do so. 2. I request BOA provide a description of the procedures used to determine the accuracy and completeness of the information used to determine whether the claims to my BOA credit card were valid. 3. I request BOA provide information on how they determined that I " benefited directly from the disputed transactions '' to my BOA credit card. 4. Because the claimed transactions to my BOA credit card were charged fraudulently by my then-wife and her restaurant manager, whom assumed my identity to process these transactions, I request BOA file a correction to the XXXX 1099-C they filed with the IRS. I'm attaching an Federal Trade Commission Identity Theft Report stating under oath that this debt is not mine, that it is the result of the fraudulent trnasaction of my then-wife and her restaurant manager, and that I did not benefit from said transactions. According to Fair Credit Reporting Act ( FCRA ), BOA is required to remove this account from any liability on my behalf, and in doing so, should also correct the 1099-C Form filed with the IRS that has resulted in my owing income tax for XXXX. CONCLUSION : I respectfully request that BOA address these concerns ASAP.

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