Bank of America, National Association Corporate

Complaint ID: 7205479

Product: Checking or savings account

Sub-Product: Checking account

Issue: Opening an account

Subissue: Unable to open an account

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: My name is XXXX XXXX and i am a victim of checking account identity theft and fraud. I was incarcerated from XXXX XXXX and was released from prison on XXXX XXXX. Upon my release, i assumed i was coming out to my money in my bank account that i had in it upon arrest, upwards to {$24000.00}. Unfortunately, when i Went back to the bank to obtain my funds, I was informed that all the money has been transferred, withdrawn from my account by an individual put that I dont know, personally, by the name of XXXX XXXX XXXX The Online check, transfers and wires were listed in her name and all of my personal information including but not limited to my address telephone number, and email for the checking account were changed from my personal information, phone number and address and email all now or change to that associated with this XXXX XXXX individual. When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions When I contacted the bank of America, they sent a packet out to what I believe to be my address and then upon non-receival realize that my address has been changed to hers so she received the fraud instructions via USPS Mail rather than myself. This is when I recognize that all my settings on my account had been compromised and that it had to have been this woman, because even her home address is save under the account. After all the money was taking out she put fake checks into my account as well witch made me negative a few XXXX dallors and got me RED flagged from every single bank. I have filed at least 3 times with XXXX to get my money back right away but i got denied. One last thing, when i got arrested i told my step dad that im close with if he can go to the bank and become my power of attorney just so we can watch my bank account for save keeping. After all this time my dad told me to contact you guys and tell you my story for help. Please look into this and if ur have any questions Ill be here to answer. Thank you for your time and i hope you can help!! -XXXX XXXX

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7205183

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Improper use of your report

Subissue: Reporting company used your report improperly

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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Complaint ID: 7204764

Product: Credit reporting, credit repair services, or other personal consumer reports

Sub-Product: Credit reporting

Issue: Problem with a credit reporting company's investigation into an existing problem

Subissue: Their investigation did not fix an error on your report

Company: BANK OF AMERICA, NATIONAL ASSOCIATION

Complaint: The presence of a derogatory rating on my account is deeply concerning to me. I am worried about the impact it may have on my credit, as it has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the significant financial and emotional distress this negative rating has caused me and will continue to cause until it is resolved.

Company Response: Closed with explanation

Timely Response: Yes

Consumer Disputed: N/A

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