Date Received: 2023-12-26
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I was contacted out of the blue regarding an alleged debt of {$13000.00} that I supposedly owed on an account with Bank of America that I never opened nor had received any correspondence in regard to. I had numerous calls from their representatives and explained to each of them that I hadnt any account with them. This went on for over a year on and off and my credit score was destroyed as a result. I recently received a summons from the XXXX XXXX XXXX that I was being sued by BOA for a debt I never incurred. In addition, the address they are using is in Rhode Island. I live in XXXX Ohio and have for over XXXX years. I responded to the summons last week and will be in court when instructed but I know there is no evidence against me because I never applied for anything from BOA and they refused to send me anything that indicates I did. I am in the process of retaining an attorney to sue BOA for all the grief they have caused as well as the damage to my credit rating and reputation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 447XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Incorrect information on your report
Subissue: Public record information inaccurate
Consumer Complaint: I have some inquiries that I am unaware of on my credit report and have no knowledge to at all and I also have some closed accounts that are still on report that need to be removed. Below are inquiries that I am unaware of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Down below are paid closed accounts and collections that need to be removed as well XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX These are closed paid accounts but still under late payments and need to be removed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76039
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: On XX/XX/2023 I had multiple unauthorized transactions from XXXX. Claim ID : XXXX. The claim total was {$2200.00}. On XXXX XX/XX/2023 I received provisional credit for the claim. On XX/XX/2023 one of the merchants refunded me {$510.00}. I recevied a letter from Bank of America stating they would recoup this amount from me due to provisional credit and did so succesfully on XX/XX/XXXX. XX/XX/XXXX I received a letter from BofA that my claim was won in my favor and that out of the {$2200.00} the {$1600.00} credit was now permanent. Case closed. Now, come XX/XX/2023 I wake up to find a misc debit in the amount of XXXX was taken out of my account. I called to inquire why this amount was taken and for what? Every Customer service representative that I spoke to said that they were escalating my claim, blah blah blah. I stated that they can not double recoup the credit taken already. They STOLE my money and I expected for immediate rectifying of the situation since it was their error. Over and over all I heard was our back office has to fix it, they are a no contact office-They only read our notes. I asked to speak to a supervisor after one of the CS was completely rude and she was still like you owed that credit back. It has taken 6 days for them to finally understand that there was XXXX transactions with same amount by XXXX different vendors. They said we are sending back for reconsideration. "!!!!!!!!! '' There should be no consideration when you take money that was already paid back. The credit they took was a permanant credit!!!!!!!!!!! This is stealing. Finally I got another manager on the phone and she stated that she see 's where the error occured and it will still take the " back office '' of the claims department XXXX more business days to fix the error. This is beyond disgusting! This is my money that was stolen from and their procedures are XXXX! If a bank makes an error, there needs to be a quicker way to remedy the situation. I am considering filing a lawsuit to due the reprucussions of their mistake! 1. I had my work corporate card payment coming out of my account the XXXX and due to them taking out the debit ( stealing ) my money, my work card payment was returned and my company has a XXXX return payment policy. My work card is now CLOSED. I could have lost my job ( and still could ). 2. This was right before XXXX and today is the XXXX of XXXX and my money has STILL NOT been returned to me. I had to borrow money from family to finish shopping for XXXX for my XXXX XXXX children. The harm and emotional damage this bank has caused me is beyond horrible. I STILL DO NOT HAVE MY MONEY BACK. No one is willing to help and you can not talk to someone who fixes immediate errors. I hope the CFPB looks into these policies and procedures for fixing their own errors in timely fashion. My livlihood has been struck hard by this. I AM NOT HAPPY! I will see you in court BofA. My new phone number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 471XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I went to make a deposit at a Bank of America ATM. The machine said it was having a problem reading it and asked me to enter the amount. I entered an amount and the ATM kept my cash deposit and gave a receipt that said We apologize for the inconvenience We are unable to process your request and can not return your items. I went into the bank and had two separate people say they could not do anything and call the number on the receipt. I have called and have been on hold and have received no help with the issue. I have been put on the call back list and have received no call back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 346XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: RE : Claims XXXX, resubmitted as XXXX Claim ID : XXXX Claim amount : {$1500.00} Initiation date : XX/XX/2023 Merchant name : XXXX Transaction Date : XX/XX/2023 Transaction Ref. # : XXXX Bank of America Fraud Investigators, I am writing to try to resolve a fraud claim on my account that BOA has twice denied. I traveled to XXXX California the week of XXXX XXXX, 2023. I rented a car from a company called XXXX XXXX XXXX at the XXXX XXXX airport for one week. I returned home to XXXX on XX/XX/2023. On XX/XX/XXXX, I checked my XXXX XXXX XXXX credit card statement and noticed a fraudulent charge for {$1500.00} from a company called XXXX XXXX XXXX XXXX XXXX XXXX. I never authorized this transaction nor did any business with this merchant. I was never in XXXX XXXX during by travels. I immediately reported the fraudulent transaction to Bank of America, put a hold on the payment, and BOA canceled my card. I made several purchases with my credit card on XX/XX/XXXX that posted to my account on XXXX XXXX. I did not lose my card. The fraud could have occurred at any of these vendors, or by other means, but there was one instance that stood out in my mind as the most likely source of the fraud ( described below ). On XX/XX/XXXX, on my way to return the car to the rental car agency at the XXXX XXXX XXXX XXXX, I stopped at a XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX for fuel. It was a full service station and the attendant filled the vehicle then came to the driver window for payment. The attendant told me the amount ( approximately {$60.00} USD for a full tank of gas ) and then took my credit card to run in her hand-held VISA machine. After a minute, she told me that VISA wasnt working, that the transaction was denied, handed my card back to me, and asked if I had a different type of card like a Master Card or American Express that she could try. I told her no and paid for the gas with cash. My hunch is that this is when the fraud occurred. I reported the fraudulent transaction to Bank of America the next day, immediately upon learning of it, and gave the information for the gas station to the BOA associate. If you XXXX this gas station, there is a long list of similar scams reported on a number of websites including XXXX XXXX and XXXX. Additionally, XXXX is supposedly a car rental company, but they do not have any sort of website, address, or other business information available on the internet. This should have raised some red flags in BOAs investigation. Shockingly, on XX/XX/2023, I received a letter that BOA had denied my fraud claim, paid the false merchant, and is holding me responsible for the charge because, supposedly, my card was run through a machine, somehow making it a legitimate charge. This is altogether wrong. I called BOA again on XX/XX/2023, to dispute this decision and was informed that none of the details I had provided in my first report had been submitted with my claim. I gave XXXX, the second associate, the same information that I provided the first time I submitted a claim. He assured me that this was a very common type of fraud and that it would be resolved once the details were properly added to my case. He told me that because the merchant was in XXXX XXXX and that I was never in XXXX XXXX, it would further support my claim of fraud. On XX/XX/2023, I received another notification, this time through the BOA online banking website, informing me that my claim had again been denied again for the same reason, because I had given the gas station attendant my card. On XX/XX/2023, I called BOA to appeal the decision, elevate my complaint, and file a claim for a third time. On XX/XX/2023, I called BOA again to ask for copies of the information provided by the merchant to validate their charge. I have some questions that I would like BOA to answer : Why didnt a {$1500.00} charge from XXXX XXXX trigger a fraud alert? What steps did Bank of America take to investigate whether the merchant was legitimate? What burden-of-proof was required of XXXX before BOA paid them {$1500.00}? I understand there is no phone number available. There is also no website available for this supposed car rental company. What services did they claim to have provided? ( If helpful, I can provide documents for the car I had actually rented from XXXX XXXX XXXX. ) Did BOA check to see if there have been other fraud claims against this merchant? Why is the amount of the claim on the claim status letters double the amount of the fraudulent charge ( {$3100.00} )? Following the logic used by BOA to deny my claim, if I hand my credit card to anyone, such as a gas station attendant, waiter, or rental car agent, I am implicitly authorizing them to charge any amount to that card. This is absurd. Had BOA done even the smallest amount of investigation, they would have confirmed that XXXX is a scam and would not have sent payment. If XXXX was a legitimate merchant, they would have contacted BOA to provide proof of the transaction or to file a claim of their own. But instead, BOA has rewarded the scam artist and penalized a loyal customer of nearly 30 years. This is not only extremely disappointing, but also puts me in a position of financial hardship. Additionally, it encourages this type of scam by rewarding the scammers. I would like BOA to take responsibility for their mishandling of this claim and to refund the {$1500.00} that they charged me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AK
Zip: 99801
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Subject : Unauthorized Fees and Lack of Statements for XXXX XXXX Account Dear Consumer Financial Protection Bureau, I hope this letter finds you well. I am writing to bring to your attention a matter of concern regarding my XXXX XXXX XXXX XXXX XXXX XXXX with Bank of America, and I believe your assistance is needed to address this issue. Upon opening the XXXX with Bank of America, I was not informed of any associated fees. It has come to my attention that my account has been charged unauthorized fees without prior notice, and I find this unacceptable. As a consumer, I believe it is my right to be informed about any fees associated with my account, and I expected transparency in this regard. Furthermore, I have not received any regular statements or notifications regarding my HSA activity. Access to timely and accurate information is crucial for me to manage my finances effectively and make informed decisions about my account. I have attempted to resolve this matter directly with Bank of America without success, and I now turn to the Consumer Financial Protection Bureau for assistance. I kindly request your intervention to ensure the following : An investigation into the unauthorized fees deducted from my XXXX account. Assistance in obtaining a clear breakdown of any fees charged to my XXXX. Guidance on how to rectify this situation and prevent such issues from occurring in the future. Ensuring that consumers are provided with transparent information about associated fees. I appreciate your attention to consumer rights and protection, and I trust that your intervention will help resolve this matter amicably. Thank you for your prompt assistance, and I look forward to a resolution. Sincerely,
Company Response:
State: CA
Zip: 902XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-26
Issue: Problem with a purchase shown on your statement
Subissue: Credit card company isn't resolving a dispute about a purchase on your statement
Consumer Complaint: Bank of America has charged me {$150000.00} twice ( for a total of {$30000.00} ) for a credit card dispute. Want to note this whole claim started because a BOA employee left my XXXX checking account details in my customer profile and another employee used that information to conducted wheat was by then an unauthorized transaction. This was told to me by BOA employees BOA refuses to provide any info on where the XXXX {$15000.00} went to and also refuses to properly close the claims in a timely manner. This has been happening since XX/XX/2023 ( XXXX months total ). The original dispute was opened in XXXX and after no action on the dispute for months, BOA charged me twice to close the dispute in XXXX of XXXX I have called and sent multiple letters. BOA even refuses to give the correct balance of the account to all credit reporting agencies and is stating my balance is XXXX over its {$29000.00} limit on credit reports My credit score has gone down XXXX points. I have never made a late or missed payment in my 17 years of credit history. My lines of credit for my small business have been dashed along with limits on personal credit cards due to Bank of America 's negligence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 900XX
Submitted Via: Web
Date Sent: 2023-12-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: A few months ago I reported Bank Of America XXXX consumer financial protection bureau for decreasing my fico score and submitting false information to the credit bureaus. In regards to the initial complaint filed I received a letter from them which read ( we won't be adjusting our reporting like you requested and consider your dispute resolved. ) I want to file a discrimination complaint on the person composed this letter you will find it in the attachment below.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I used my bank of America XXXX credit card on XX/XX/2023. The limit is approximately {$200.00}. I spent {$58.00} and within 3 days Bank Of America reported it to XXXX. XXXX immediately decreased my XXXX XXXX XXXX points 3 days after using the credit card. Take into consideration I did not use half the credit card balance and they still decreased it. The question is are the credit bureaus suppose to decrease the XXXX XXXX after using your credit card. The card was not close to the limit. This is discrimination against a XXXX consumer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33025
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-27
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: XX/XX/XXXX On three separate occasions, I was given misleading and deceptive information by Bank of America ( BofA ) phone and chat support representatives regarding how credit card payments are allocated for my Visa credit card account. As a result, my payments were not allocated in the way I expected based on information that was communicated to me by BofAs support which benefits their credit company to capitalize on a remaining credit debt balance at a much higher interest rate than I expected to be paid off. Had I been given more truthful answers, I would have had the opportunity to make other payment arrangements before a 0 % promotional interest rate expired on XX/XX/XXXX. For context : Bank of America Visa Acct XXXX. XXXX XXXX XXXX XXXX My credit card debt balance as of XX/XX/XXXX ( only promotional balances on account ) : 0 % APR ends XX/XX/XXXX, offer XXXX, remaining bal. {$1800.00} 0 % APR ends XX/XX/XXXX, offer XXXX, remaining bal. {$10000.00} 1.99 % APR ends XX/XX/XXXX. Offer XXXX, remaining bal. {$13000.00}. History of communication with BofA credit card support representatives : XX/XX/XXXX I called Bank of America ( BofA ) credit card phone support and also had a separate chat support session for clarification on how credit card payments would be allocated for my credit card balance. With two credit debt balances with a promotional APR of 0 %, due to expire on XXXX XXXX, XXXX, I wanted to pay off the balance for the promotional rate 0 % debt balance before the interest rate is raised to 17.24 %. During the two separate phone and chat support sessions with the BofA representatives, I was assured and told that The minimum payment will be applied to the promotion that is ending first. If there is only promotional balances on the account then payment will be applied to the promotion ending first. Based on the information from support, I made payments to pay down the two 0 % promo APR balances due to expire on XXXX XXXX, XXXX as follows : XX/XX/XXXX ref # XXXX {$1000.00} XX/XX/XXXX ref # XXXX {$5000.00} XX/XX/XXXX ref # XXXX {$5500.00} Total paid : {$11000.00} During the XXXX phone call, I requested a document to be sent to me supporting BofAs statement that all payments would be allocated to the balances on expiring promotional balances of 0 % ( offers XXXX and XXXX ). I was told they would not be able to email me the document immediately ( why not?! ) and that they only could send it in paper form 7-10 days later through traditional postal mail shipment. The documents I received in the mail days later omitted the statement/promise of payment allocation that was aligned with my phone support conversation with BofA, and I had already made payments in good faith based on the phone support conversation assurances of how the payments would be allocated to pay down the debt associated with the expiring promotional rate ( attached ). Also, during the chat session, I requested a transcript of the chat so I had written proof that all payments I made before XXXX XXXX, XXXX would be applied to the expiring promotional rate balance, but the chat rep claimed she could not send me the chat history of our conversation. XX/XX/XXXX : I reached out again to BofA credit card phone support to confirm that there was no credit card debt balance remaining for the two 0 % promotional APR that was due to expire XX/XX/XXXX so that I can avoid an interest rate increase to 17.24 % ( offers XXXX and XXXX ). I was told by support that there was still a remaining balance of {$1000.00} for promotional APRs 0 % XXXX and XXXX to be completely paid off, so I made two additional payments as follows : XX/XX/XXXX ref # XXXX {$290.00} auto-payment XX/XX/XXXX ref # XXXX {$750.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Total payments made : {$12000.00} XX/XX/XXXX : I called BofA support for a fourth time to confirm once again that there was no remaining balance for the two promotional APRs of 0 % that have now expired XXXX ( offers XXXX and XXXX ), and now that the promotional rate had expired two days ago, I was told a completely different story. I was told that I was not given the correct information in my previous phone support calls by their support representatives before the promotional APR expired and that the recent payments I made totaling {$12000.00} were not applied towards paying off the remaining balance before the expiration of the 0 % promo period rate on XXXX XXXX, XXXX, and instead was applied to the 1.99 % promo balance which is due later in the year in XX/XX/XXXX. I now still owe {$11000.00} at the higher 17.24 % APR and all of my efforts to pay off my credit balance before the higher interest rate took effect were for nothing and I no longer have additional cash funds to pay off the remaining balance with the 17.24 % interest rate. I was deceived. BofA should not be allowed to have their phone support representatives, the only people we can communicate with for what should be clear, truthful, and transparent information about our accounts to run a deceptive switch -n- bait scheme. Had I known that they would not apply my payments towards the credit debt balances on the expiring promotional rate offers, I would have had time to make alternative payment arrangements. The result of damage to me of being misled and lied to by BofA is that {$11000.00} of my remaining credit card balance is now subject to a significantly higher interest rate of 17.24 % after the 0 % promotional rate expired on XX/XX/XXXX when it should have been completely paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11213
Submitted Via: Web
Date Sent: 2023-12-27
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A