Consumer complaint received 2025-08-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX account ending with XXXX, a family member stole my identity and opened this account with two other accounts ending with XXXX and XXXX. The accounts were opened and used, and the biscuits were paid from my checkout account and closed, and I did not know anything about them. I asked the bank to help me and send me all the account statements. The bank was unable to do so, and no one knew any information about them. I did not know if this was logical, since I know the last four digits of my credit report, and the bank failed to give me any information. As for the account ending with XXXX, I submitted a request to the bank stating that I did not open or use this account, and I requested to close this account with a decision that I am not responsible for this account. The response from the bank came that it could not meet my request, citing two reasons : the first is to send the account statements to my residential address, and the second is to transfer the payment from my checkout account. What is it? I mentioned in complaints that a person from the individuals My family stole my identity and also mentioned that he controlled my mailboxes and I swear that I did not receive any bank statement from the beginning of XXXX when I started dealing with the bank until recently when I learned what happened and I also mentioned that this person was able to get access to my online account and added his email address to my account and throughout all the years I did not receive any email from the bank or an account statement and I do not know how to use my online bank I will give you another reason that makes me say that there is a contradiction in the banks rulings. The account ending with XXXX which I did not open or use and I did not transfer any debts to it from my check account. The bank after investigations issued a decision that I did not open this account and transferred it from under my responsibility. Yes, the bank has not yet put the amount that I lost in this account, but the two reasons that he mentioned in his rejection of my request are present in this account. All the debts to this account were transferred from my check account through fraud and deception and as they said, send the account statements to the address. I did not see the account statement until I knew and requested them in one payment from the bank and your son sent them to me. A person did not open an account and his identity was stolen and the bank knows this very well, why does it not give me my rights? I mean, they put their private email on my account and made the fraud process easy for them and opened accounts without my knowledge and the bank did not take any notice and did not give me information and I asked to take refuge in the bank and the bank abandoned me. There are two notes in this account, the first is have you ever seen a customer transfer from his debit card to his credit before using the credit card? On XX/XX/XXXXXXXX  an amount of {$500.00} was transferred from my check to this account and it became the credit account. Reply with + {$500.00} and the card was used on XX/XX/XXXX. There is a trans action amounting to {$2700.00} in XX/XX/XXXX9. Two plane tickets. Can you find out who opened this account? Please help. I am XXXX XXXX. It is difficult for someone to stand on his feet after all this atrophy, but the demolition process is easy for criminals.

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