Credit card or prepaid card -- Getting a credit card -- Complaint #6311911
Complaint Overview
Complaint ID: 6311911
Company: Bank Of America, National Association
Product: Credit card or prepaid card
Sub-Product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-Issue: Card opened as result of identity theft or fraud
State: Utah
ZIP Code: 84663
Date Received: 2022-12-12T12:00:00-05:00
Date Sent to Company: 2022-12-12T12:00:00-05:00
Company Response: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Submitted Via: Web
Consumer Narrative
I disputed a report in XXXX XXXX that XXXX, XXXX, and XXXX said that we had 2 accounts with Bank of America and that one of them had an overdue balance amount of {$6800.00} dollars. I received a letter from XXXX that said that they had " verified that this item belongs to you. '' Both of these accounts have been " closed by credit grantor ''. I have never had a credit card with Bank of America. I did try to contact Bank of America Fraud Department but their automated system wants your account number to get started. Since I don't have an account I can not give them a number. I also called the number for Bank of America in XXXX XXXX, Texas that XXXX provided in their report on XX/XX/XXXX and I get the same automated system that wants an account number to get started. I keep getting phone calls from Bank of America saying I need to pay them. This experience has greatly lowered my credit score.
Frequently Asked Questions
What is Complaint #6311911 about?
Complaint #6311911 was filed against Bank Of America, National Association regarding Credit card or prepaid card specifically about Getting a credit card. It was received by the CFPB on 2022-12-12T12:00:00-05:00.
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 (Credit card or prepaid card) 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.