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 Bank of America's Breach of Security
Posted Fri January 11, 2008 12:00 pm, by Ed N. written to Bank of America
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We recently closed on a mortgage through Bank of America and during the process we were asked for additional identification to confirm our ID. We presented credit cards as a second form of ID. The person in the South Windsor CT Branch took down what we believe is the entire credit card number. Shortly thereafter $1800 dollars worth of fraudulent charges appeared on our credit card. We have determined based on when the fraud occurred, the design of the credit card, and the fact that the cards were never stolen and are still in our possession that the break occurred within Bank of America. My concern is that if my credit card numbers were taken from the mortgage application, that same individual has access to every piece of my financial history including social security number. My identity at this point is ripe for fraud. I have had to literally lock down every piece of my credit, so that even I do not have access to my own credit. I am being punished for what I believe is a Bank of America breach.
In addition, when I initially filled out the application my application was sent to another address, and someone else's completed mortgage application was sent to me. This is totally unacceptable for a multi billion dollar bank. I could have stolen the complete identity from mistaken application that was sent to me. So far the fraud department has given me a file number, but that is it. A file number does nothing for me and it has been 5 days since I have notified them. Who else has this happened to????
I want someone to identify if there was breach, if so who, and why was my application sent to someone else. Why was some else's application sent to me. What controls are in place, are background checks done on your people. I want Bank of America to do something other than nothing. I want a real investigation into who has access to my mortgage application, and to determine if those same people have a history of breachs. My card was used out of Rochester, NY so whomever took the number sold it to another person which implies both intent and expertise.
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by JME Posted Sun January 13, 2008 @ 8:35 AM
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Don't you think it's possible that the person who received your
application in the mail might have been the one to use your credit
card? No way to prove it, but I would think it more likely than
suspecting verified bank employees.
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The Police have been called and everything that has been stated in the
letter is extremely accurate as well as provable. I believe the breach
occurred while in BOA's possession, I may be proven wrong on that
matter. The fact that they hand wrote the credit card number on the
application, shortly after it was processed the number was stolen, and
the fact the wrong application was sent to us, where there is smoke
usually there is fire. I want to have an investigation to determine
who had access to my information other than person who they sent my
completed application to. I am not saying in any way that BOA is a bad
bank or don't do business there, I am saying "BOA, Please clean up
your backyard".
As far as the Credit card fraud they were masterful in handling
everything. I am more concerned with the identity theft. That can be
catastrophic to your credit.
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by Gino Posted Sat January 12, 2008 @ 2:09 AM
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This is called "Fraud" which is a crime, and being such, you should
gather all your facts and proof of every allegation you mentioned and
file a report with the police. Going on a public website and venting
may do more harm than good. If these allegations are proven false,
there may be other consequences as well.
I'd email Greg@planetfeedback.com and see if he can pull this letter
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by Chris&RyansMama Posted Fri January 11, 2008 @ 7:25 PM
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I think you should wait for an investigation before making all these
assumptions. You might be surprised!
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The fact that you believe BOA was involved proves nothing. You have
to have PROOF!
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