Q: What would happen if a scammer was using BofA as the holden, but no account is set up.
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A:
If someone is posing as Bank of America without having an actual account, this is a clear sign of fraud. Such scams often aim to steal personal or financial information from unsuspecting victims.
When you encounter this situation, document everything - including emails, text messages, or phone calls. Report the fraud attempt to Bank of America's fraud department immediately. They can confirm whether any accounts exist and help protect other potential victims. You should also file reports with the FBI's Internet Crime Complaint Center (IC3) and your local law enforcement.
Remember that legitimate banks never ask for sensitive information through unsolicited communications. If you've shared any personal details with the scammer, monitor your credit reports closely and consider placing fraud alerts on your accounts. Contact the Federal Trade Commission to report the incident and get guidance on protecting yourself from identity theft.
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