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leftyladyfrommo

(19,950 posts)
Thu May 15, 2025, 12:50 PM May 2025

Help! Maybe not the right place to post

but it doesn't fit anywhere.

My identity was stolen. First they stole my AT&T service. Next they hit my poor little bank account for $15,000. That got returned. The they had my credit available and raised it to $15,000 and then charged $15,000 to my BOA credit card.

Everything is fixed but the BOA acct. BOA thinks I'm responsible and committed fraud on my own acct to use the money to pay a fictional overdraft. I am getting late pay notices from them every other day. Now my Amazon card has been closed due to Suspicious Activity.

My 800 credit score is gone.

Abd no one in these big companies gives a damn. Customer service calls are impossible. You can't get a human and if you finally do they just keep transferring you to someone else.

I think I will have to sue but so far I haven't been able to find an attorney that handles this kind of fraud.

If this happened to me it can happen to anyone. All they needed was my phone # and they just wiped me out one step at a time.

Rant over. But I could sure use some positive vibes. I'm really getting depressed and overwhelmed.

I wonder if Elizabeth Warren could help?

15 replies = new reply since forum marked as read
Highlight: NoneDon't highlight anything 5 newestHighlight 5 most recent replies
Help! Maybe not the right place to post (Original Post) leftyladyfrommo May 2025 OP
Have you reported it to the police? milestogo May 2025 #1
Good vibes on the way to you SheltieLover May 2025 #2
Have you gone to a BOA branch and tried to speak to an actual human there? Arazi May 2025 #3
Yes. He got transferred 4x before he leftyladyfrommo May 2025 #4
Ugh. Definitely sounds like you need a lawyer then Arazi May 2025 #5
We had a similar experience - luckily one step ahead of the thieves. waterwatcher123 May 2025 #6
Thank you. I've filed fraud reports with leftyladyfrommo May 2025 #7
youtube Tetrachloride May 2025 #8
I feel for you! Mossfern May 2025 #9
These guys were doing everything using leftyladyfrommo May 2025 #11
Well then Mossfern May 2025 #12
They also raised my credit limit to $15000 leftyladyfrommo May 2025 #13
Sue the pants off of BOA! Mossfern May 2025 #14
I called an atty today but they haven't called leftyladyfrommo May 2025 #15
Yikes. I hope you find real help! electric_blue68 May 2025 #10

Arazi

(8,682 posts)
3. Have you gone to a BOA branch and tried to speak to an actual human there?
Thu May 15, 2025, 01:18 PM
May 2025

Been a while since I’ve been to any bank but there appears to still be BOA bank locations

leftyladyfrommo

(19,950 posts)
4. Yes. He got transferred 4x before he
Thu May 15, 2025, 01:24 PM
May 2025

spoke with someone who said they would reopen the case - for the 3rd time. It doesn't do any good. They just decline it again.

AT&T filed a fraud report but I can't get thru to anyone to have it faxed. The person I finally spoke to couldn't speak English well enough for me to understand.

I think they do it on purpose so people will just give up.

waterwatcher123

(446 posts)
6. We had a similar experience - luckily one step ahead of the thieves.
Thu May 15, 2025, 01:32 PM
May 2025

My suggestion would be to install two-step security on every computer account you own (change passwords too). Lock down your credit reports as well (TransUnion, Equifax, and Experian), only opening them when you want to apply for credit. Maybe set up notifications on your credit cards in case someone tries to use them. Lock any credit cards not in use or misplaced. Promptly replace and lock down any lost credit cards. Most importantly, monitor your bank and critical accounts like retirement accounts daily to make sure no one has accessed these accounts.

I assume you disputed the charges from Bank of America? If not, you might want to preserve your rights by formally disputing every individual charge on your credit card you did not make. If the charges were made on-line or in person, there should be a trail of details that explain when and where these purchases were made. Some of these charges may go to fictitious sellers or front groups whose business is a sham. BOA should have some responsibility and be able to stop such charges as they occur. If BOA did not contact you when these transactions were occurring, they are asleep at the wheel. They have fraud prevention algorithms and specialists who monitor purchases that do not fit established patterns (i.e., purchases suddenly appearing outside of where the card has been used recently or for items not typically purchased).

As someone mentioned, you might want to file a police and FBI report (neither will help you recover - but provides a paper trail for disputes with creditors). You could contact your state attorney general and file a consumer complaint as well. None of them seem to be particularly good with identity theft. But it will again provide another paper trail in the event some creditor comes after you.

This is a royal pain to say the least. But you must prepare a letter or something to send to any business or entity that tries to claim you opened an account or own them money. Instead of innocent until proven guilty, the assumption is that it is a legitimate charge until you dispute it or prove it to be fraudulent.

Good luck - they will eventually give up on you if your credit is locked down tight. However, these folks can try all sorts of things like applying for bank loans, new accounts, etc. You might want to call and/or write any bank or organization that contacts a new account. They sometimes have industry mechanisms to share information about fraudulent activity. The Federal Trade Commission has a complete check list for identify theft on their website (assuming Trump has not destroyed it). The check lists are excellent and cover all sorts of details.

leftyladyfrommo

(19,950 posts)
7. Thank you. I've filed fraud reports with
Thu May 15, 2025, 01:37 PM
May 2025

everyone including the police and the DA.

The thing that is so frustrating is that no one cares about what they are doing. You sit on hold forever, then get transferred over and over. Those businesses are so big that they don't work.

Mossfern

(4,597 posts)
9. I feel for you!
Thu May 15, 2025, 04:04 PM
May 2025

Fortunately my bank notified me about the suspect charges. They cancelled my credit cards immediately and sent me new ones. It was a pain in the ass, but not as severe as your predicament!

I wish you a speedy resolution.

leftyladyfrommo

(19,950 posts)
11. These guys were doing everything using
Thu May 15, 2025, 06:21 PM
May 2025

my name. I called BOA right after it happened and then again first thing in the morning. I think they could have just reversed charges if they hadn't waited so long.

leftyladyfrommo

(19,950 posts)
13. They also raised my credit limit to $15000
Thu May 15, 2025, 06:33 PM
May 2025

Someone called in and requested it be increased and then they called in the $15000 charge plus $500 in cash.

And they just walzed right through BOA security systems like they weren't even there.

But BOA just refuses to do anything. They even set me up on a payment plan.

leftyladyfrommo

(19,950 posts)
15. I called an atty today but they haven't called
Thu May 15, 2025, 07:53 PM
May 2025

back. Probably call tomorrow.

I can't afford much but I'm sure BOA will settle if they get pushed.

I have been fighting this since February and it's terrifying. My credit is trashed. I have no credit cards to use in an emergency.

And they managed all this from my telephone #. Now they can spoof your number. Gets them right in.

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