Checking or savings account -- Opening an account -- Complaint #5289689
Complaint Overview
Complaint ID: 5289689
Company: Bank Of America, National Association
Product: Checking or savings account
Sub-Product: Checking account
Issue: Opening an account
Sub-Issue: Account opened as a result of fraud
State: Florida
ZIP Code: 33165
Date Received: 2022-03-05T12:00:00-05:00
Date Sent to Company: 2022-03-05T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I was reporting an ID Theft related incident where someone was trying to open a XXXX Checking account Online with my information that was fraudulent on XX/XX/22. I immediately proceeded to call the XXXX general number on this matter, spoke with a representaitve named XXXX after waiting 1.5 hours.on the phone. I was requesting a case / reference number for my records and she transferred me to a voicemail system which did not provide that detail. Later in the day I had to call at least 3 more times trying to obtain the case / reference number and spent an additional 3 hours frustratingly being placed on hold and not being assisted. The last call which was over 2 1/2 hours I was with another representative who transferred to Fraud agent- XXXX who was not of much help, did not appear to be able to understand the notes on my file, said initially he didnt find anything on my profile, then found some notations and after 45 mins gave me 2 reference numbers. However, he stated that I still had to open a claim with an additional department and did not know if what I had reported was enough for the Bank. At this point being more frustrated I requested for a manager, waited an additional 30 mins, and was then told that the supervisor advised via a chat message that I needed to open a separate claim and provided an additional phone number which I called and hung up after 45 mins more of waiting. This prompted to go to their local branch the next morning to follow-up on this matter with XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX XXXX to file a complaint at the branch, and submit my complaint to you. While at the branch I was then transferred to speak with XXXX XXXX XXXX XXXX. and was subsequently told after an hour and a half that I had to call the Detection Fraud unit to further discuss my situation/ details on Monday since their office is closed on weekends. This is completely ridiculous, unacceptable and overburdensome for an individual to deal with. On top of that I happen to be a XXXX XXXX XXXX XXXX XXXX XXXX of over 30 years to see such a lack of assistance and competence on behalf of Bank of America which is why I have filed this formal complaint.
Frequently Asked Questions
What is Complaint #5289689 about?
Complaint #5289689 was filed against Bank Of America, National Association regarding Checking or savings account specifically about Opening an account. It was received by the CFPB on 2022-03-05T12:00:00-05:00.
How did Bank Of America, National Association respond to this complaint?
The company responded with: "Closed with explanation". The response was timely.
What is the risk level of this complaint?
See the risk assessment section for details on this complaint's risk profile.
How do I file a similar complaint?
You can file a complaint with the CFPB at consumerfinance.gov/complaint. Select the appropriate product category (Checking or savings account) and describe your issue in detail.
Can I see other complaints against Bank Of America, National Association?
Yes, visit the Bank Of America, National Association company profile at readthecomplaint.com/company/bank-of-america-national-association to see all complaints, risk scores, and analysis.
Disclaimer
This analysis is AI-generated based on publicly available CFPB complaint data. It does not constitute financial or legal advice.