- Report: #236755
Complaint Review: Bank Of America - Charlotte North Carolina
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Bank Of America
100 North Tryon Street Charlotte, 28255 North Carolina, U.S.A.
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Bank Of America Is there an attorney out there that would like to sue Bank of America for me? Charlotte North Carolina
*Consumer Suggestion: Police Report?
*Consumer Comment: As was mentioned
*Consumer Comment: I agree with the 1st responder
*Consumer Suggestion: You might need to contact the FBI
*Consumer Suggestion: Very easy to handle.
*Consumer Suggestion: Very easy to handle.
*Consumer Suggestion: Very easy to handle.
*Consumer Suggestion: Very easy to handle.
I was the victim of identy theft. I know who did this - they were living with me at the time. They used my personal information to open a credit card, maxed it out and hid the bills from me. I learned of this after receiving a phone call from BOA telling me that I was late on the payment. When I confronted the theif, he took off and I do not know his whereabouts.
I reported it as fraud to BOA and to the credit reporting bureaus. This battle has been going on with BOA for almost 18 months now. The story is very long, so I will skip all the details of the total run around that I have gotten from BOA employees.
I have always felt that he (theif) probably applied "on line", and was probably inspired to do this by an offer that I received in the mail from BOA. (just guessing) I feel that this is the way it started because, apparently he applied in my name and put his name down for an additional card for the account. He even forged my name on some of the CONVIENCE CHECKS that they so graciously sent out and used at local businesses. I have made several requests to BOA for the original application with signature and that request has been totally ignored. Therefore, I felt that BOA never had an actual signature of the applicant. (Probably an on line application after a firm offer from BOA by mail. Because at that point I had excellent credit.)
I finally got a letter from BOA last week saying that after their investigation they determined IT WAS NOT FRAUD. Their fraud department never called me one time to ask or verify anything. Their letter said that the application was made over the phone. Whoever took the application must have been an idiot! The theif was a male and he was applying using a female's name???
Another part of their story that doesn't make sense is the fact that when he applied he used my maiden name that I have not used since 2000. If they actually confirmed any information before issuing the credit card they would have noticed that the name that they were issuing the card to did NOT match the name on my social card.
So, the end of the story is their letter that states:
1) They refuse to give me a signed application because it was opened over the phone. (That's the first time in 18 months of communicaiton with them that they have revealed that.)
2) They refuse to give me any copies of charge receipts, as I need to go to the vendors to get those. (And there will be a charge for that.) I never got the bills so how do I know what he charged and where he charged it?
3) They refuse to give me the name of the Registered Agent for the State of Missouri. (That's up to me to figure out because you only need that if you plan to sue them.)
4) They refuse to speak to me again and will not accept any calls from me. (It has been turned over to a credit collection agency.)
Bandits of America have ruined my credit. If there is an attorney out there that thinks that I may have any recourse, please contact me. Since I now have bad credit, please don't hold it against me!!!
Please contact this website if you are an attorney that is interested in helping me!
Ruined by BOA
St. Louis, Missouri
U.S.A.
I reported it as fraud to BOA and to the credit reporting bureaus. This battle has been going on with BOA for almost 18 months now. The story is very long, so I will skip all the details of the total run around that I have gotten from BOA employees.
I have always felt that he (theif) probably applied "on line", and was probably inspired to do this by an offer that I received in the mail from BOA. (just guessing) I feel that this is the way it started because, apparently he applied in my name and put his name down for an additional card for the account. He even forged my name on some of the CONVIENCE CHECKS that they so graciously sent out and used at local businesses. I have made several requests to BOA for the original application with signature and that request has been totally ignored. Therefore, I felt that BOA never had an actual signature of the applicant. (Probably an on line application after a firm offer from BOA by mail. Because at that point I had excellent credit.)
I finally got a letter from BOA last week saying that after their investigation they determined IT WAS NOT FRAUD. Their fraud department never called me one time to ask or verify anything. Their letter said that the application was made over the phone. Whoever took the application must have been an idiot! The theif was a male and he was applying using a female's name???
Another part of their story that doesn't make sense is the fact that when he applied he used my maiden name that I have not used since 2000. If they actually confirmed any information before issuing the credit card they would have noticed that the name that they were issuing the card to did NOT match the name on my social card.
So, the end of the story is their letter that states:
1) They refuse to give me a signed application because it was opened over the phone. (That's the first time in 18 months of communicaiton with them that they have revealed that.)
2) They refuse to give me any copies of charge receipts, as I need to go to the vendors to get those. (And there will be a charge for that.) I never got the bills so how do I know what he charged and where he charged it?
3) They refuse to give me the name of the Registered Agent for the State of Missouri. (That's up to me to figure out because you only need that if you plan to sue them.)
4) They refuse to speak to me again and will not accept any calls from me. (It has been turned over to a credit collection agency.)
Bandits of America have ruined my credit. If there is an attorney out there that thinks that I may have any recourse, please contact me. Since I now have bad credit, please don't hold it against me!!!
Please contact this website if you are an attorney that is interested in helping me!
Ruined by BOA
St. Louis, Missouri
U.S.A.
8 Updates & Rebuttals
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Very easy to handle.
#2Consumer Suggestion
Mon, February 26, 2007
First of all, your anger is misdirected. BofA is not the culprit here, it is the person who opened the card fraudulently. As mentioned earlier, you MUST file a police report, AND press criminal charges against the person who fraudulently opened the account. Now, the PROSECUTOR will get the statements and charge reciepts from BofA. You need to file an identity theft report with the credit bureaus and FTC using that police report. Also, you can go online and request past statement copies for free from BofA as well as some charge slips. You also need to file a small claims lawsuit on the thief. Have you confronted this person yet? You can demand all of the proof from the debt collector now as part of your debt validation request to them as per the FDCPA. All collections activity must cease until it is provided. It seems that in 18 months you have not been too aggressive in handling this.
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Very easy to handle.
#3Consumer Suggestion
Mon, February 26, 2007
First of all, your anger is misdirected. BofA is not the culprit here, it is the person who opened the card fraudulently. As mentioned earlier, you MUST file a police report, AND press criminal charges against the person who fraudulently opened the account. Now, the PROSECUTOR will get the statements and charge reciepts from BofA. You need to file an identity theft report with the credit bureaus and FTC using that police report. Also, you can go online and request past statement copies for free from BofA as well as some charge slips. You also need to file a small claims lawsuit on the thief. Have you confronted this person yet? You can demand all of the proof from the debt collector now as part of your debt validation request to them as per the FDCPA. All collections activity must cease until it is provided. It seems that in 18 months you have not been too aggressive in handling this.
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Very easy to handle.
#4Consumer Suggestion
Mon, February 26, 2007
First of all, your anger is misdirected. BofA is not the culprit here, it is the person who opened the card fraudulently. As mentioned earlier, you MUST file a police report, AND press criminal charges against the person who fraudulently opened the account. Now, the PROSECUTOR will get the statements and charge reciepts from BofA. You need to file an identity theft report with the credit bureaus and FTC using that police report. Also, you can go online and request past statement copies for free from BofA as well as some charge slips. You also need to file a small claims lawsuit on the thief. Have you confronted this person yet? You can demand all of the proof from the debt collector now as part of your debt validation request to them as per the FDCPA. All collections activity must cease until it is provided. It seems that in 18 months you have not been too aggressive in handling this.
Steve [Not A Lawyer]
Bradenton,Florida,
U.S.A.
Very easy to handle.
#5Consumer Suggestion
Mon, February 26, 2007
First of all, your anger is misdirected. BofA is not the culprit here, it is the person who opened the card fraudulently. As mentioned earlier, you MUST file a police report, AND press criminal charges against the person who fraudulently opened the account. Now, the PROSECUTOR will get the statements and charge reciepts from BofA. You need to file an identity theft report with the credit bureaus and FTC using that police report. Also, you can go online and request past statement copies for free from BofA as well as some charge slips. You also need to file a small claims lawsuit on the thief. Have you confronted this person yet? You can demand all of the proof from the debt collector now as part of your debt validation request to them as per the FDCPA. All collections activity must cease until it is provided. It seems that in 18 months you have not been too aggressive in handling this.
Lourdes
Valrico,Florida,
U.S.A.
You might need to contact the FBI
#6Consumer Suggestion
Mon, February 26, 2007
They have a Squad/Unit that investigates Identity Theft. Search the number for your local office and either go in person or call them. Make sure that you have the name of the person that is taking your complaint so you can follow-up on that. This is a clear violation of your customer rights and the bank is ignoring you therefore, you need to go to higher authorities.
Jamie
Midlothian,Virginia,
U.S.A.
I agree with the 1st responder
#7Consumer Comment
Thu, February 22, 2007
You would have a more solid case if you had a formal police report detailing all of this.
Chip
Anytown,Indiana,
U.S.A.
As was mentioned
#8Consumer Comment
Thu, February 22, 2007
you have to file a police report and you have to press charges. Are you willing to do that? If not, that explains BoA's decision. If you are, then hire an attorney. Fast.
Cory
San Antonio,Texas,
U.S.A.
Police Report?
#9Consumer Suggestion
Wed, February 21, 2007
Was a police report filed? If one is, the police can get much of the information you are requesting. If it becomes a legal matter, BoA is gonna take more interest in it. You state "they" were living with you at the time, then "he". You have to be willing to press charges to get something done. "He" had to have had access to your computer and your mail and your personal information, so it had to have been someone you trusted which makes it that much worse. Watch out who you allow in your home.
