Date Received: 2024-02-22
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: XXXX This is was my last complaint ID Since Bank of America doesnt take responsibility for their bankers and doesnt want to remove the accurate report I will try to explain again what happened with Bank of America! In XXXX I opened credit card with Bank of America, it was my first credit card in my life. I knew that I will have to use it to build my credit score. One time I overpaid and it was showing in my balance {$20.00}! I went to the bank XXXX XXXX XXXX, XXXX, FL XXXX, United States and asked banker if I have to pay to the bank or I overpaid? Banker said I overpaid {$20.00} and I dont have to do anything. In 2 months from that I received a letter from bank that my credit limit was cut on half from {$1000.00} to {$500.00} and my credit score dropped from XXXX to XXXX!! I went to the bank and spoke to manager, she said she will send a paper to XXXX with explanation that it was only the banker fault to provide me incorrect information regarding my credit card balance! I did many disputes with XXXX, I received a letter from XXXX that I won dispute, nothing changed on my score! How can I be responsible for the Bank of America unprofessional workers!? The bank dropped my score for XXXX points down! I wish I knew the name of banker so I could search for legal help in my case. Bank can see my statements with money I keep on my accounts and it wouldnt be any problem for me to pay {$20.00} if I had a correct information from banker! I am trying to contact and do disputes to tons of companies and seems like nobody taking responsibility for the employees! Banker fault is highly affect my life with my credit score XXXX! Please contact the bank address I sent you, they should have sent a report to XXXX where they confirm that it was mistake by banker provided me wrong information. Why am I the only injured party? You know that its impossible to build up again my credit score to XXXX from XXXX. Please take an action. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33160
Submitted Via: Web
Date Sent: 2024-02-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Getting a line of credit
Subissue:
Consumer Complaint: I recently discovered that Bank of America had opened a {$25000.00} line of credit for me that I did not authorize or consent to. I have never been a Bank of America customer, nor requested a loan. I do not know when this account was started. I have not performed any actions yet nor contacted Bank of America.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60618
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XX/XX/2023, I fell victim to a multi-layered scam operation run by XXXX which involved me making deposits for a total amount of XXXX USD from my Bank of America account to fraudulent investment firm ( s ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11230
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a company's investigation into an existing issue
Subissue: Problem with personal statement of dispute
Consumer Complaint: Wednesday, XXXX XXXX I, personally, spoke to XXXX regarding the statement from BOA they had based their decision on reports from the 4 credit bureaus. XXXX and XXXX BOTH informed me there were ABSOLUTELY NO INQUIRIES about me and my credit from ANYONE AT ALL. Actually, I have a freeze on XXXX for years and today placed one on myself with XXXX. The telephone numbers on the other remaining TWO agencies directed me to online, so Im unable to talk with anyone from two agencies to ask if BOA had run a check on me, as they stated they had and thats what they based their decision on to reduce my line of credit. Nothing shows LATE. Therefore, this is another complaint I am filing because as Ive stated, BOA has done nothing but create a major issue out of a small issue, resulting in my closing my account. I do NOT EVER want to do business with BOA again. This is not about the closed account but, rather, the evil, devious, harmful treatment of a former customer who has a serious XXXX XXXXXXXX which I tried explaining but every single person Ive had any contact with at BOA refused to LISTEN to my problem with my health and, instead, reduced my line of credit for absolutely no reason at all. I believe BOA never gets many complaints because people give up trying to resolve their probably legitimate issues such as I have. BOA is without any sliver of empathy, they DID NOT TRY TO WORK with me! No, they did not. I was forced to close my account after I overpaid them and that was the ONLY WAY TO RECOVER MY MONEY but it has caused me to get sick, so I canceled. There is nothing mentioned about late payments. And I have a freeze on one bureau, so BOA are scammers and XXXX company with NO SOUL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33967
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Opening an account
Subissue: Didn't receive terms that were advertised
Consumer Complaint: On XX/XX/XXXX I opened an Advantage Plus Checking Account with Bank of America in person at one of their financial centers located at XXXX XXXX XXXX, XXXX, PA. There was an advertised promotion of a {$100.00} bonus to be deposited into the account if the account received {$1000.00} in qualifying direct deposits within 90 days of account opening. The banker confirmed this promotion applied to me upon opening of my account. On XX/XX/XXXX, I met the conditions of this offer, with a total of {$1400.00} having been direct deposited into my account in two installments from my employer, The XXXX XXXX for XXXX XXXX, located at XXXX XXXXXXXX XXXX XXXX XXXX, XXXX, PA. The direct deposits came from the employer 's payroll client, XXXX. On XX/XX/XXXX, upon seeing that my bonus had not yet been received, I called Bank of America customer service to ask for an explanation as to why this was. No such explanation was provided, and I was told a claim had been opened that would be investigated by supervisors. On XX/XX/XXXX, I visited a Bank of America financial center at XXXX XXXX XXXX, XXXX, PA to discuss with a banker why my bonus had not yet been received. I was offered no explanation, although the banker acknowledged that I had indeed met the conditions of the promotion. I was told he had no record of the claim that was supposedly filed for me over the phone on XX/XX/XXXX. He said he was going to file a new one, and expedite the process with his superiors to settle my missing bonus. As of today, XX/XX/XXXX, I have not received my {$100.00} bonus from opening my account on XX/XX/XXXX and meeting the conditions of the promotion on XX/XX/XXXX. I suspect Bank of America has no intention of giving me this bonus, and thus I feel compelled to file this complaint. I can provide all my bank records if needed. I have not currently attached these documents as I see the disclaimer regarding not uploading personal documents just yet. I also have the call logs to prove I called customer service on XX/XX/XXXX and an ATM withdrawal receipt from the branch I visited on XX/XX/XXXX to prove I was there. Please tell me if any of this is of use to you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19145
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Company Credit Card : Bank of America, Spirit Airlines Credit Card Issue : Enrolled in auto pay on XX/XX/XXXX which had a due date of XX/XX/XXXX. The payment didn't post and I was charged late fees and finance charges. I realized that payment wasn't deducted from my checking account and when I logged in XX/XX/XXXX and made the complete statement balance payment on XX/XX/XXXX late night ( I already got late fees and finance charges assessed ) The company claimed that auto pay doesn't go effective until next cycle/statement but is nowhere called out. I told them that it is very misleading and not good by customer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DE
Zip: 19709
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: Bank of america is reporting to my credit report without my consent, according to the laws, i am supposed to receive opt out requests 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information ( a ) NOTICE REQUIREMENTS Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. ( b ) OPT OUT ( 1 ) IN GENERALA financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 313.7 Form of opt out notice to consumers ; opt out methods. ( a ) ( 1 ) Form of opt out notice. If you are required to provide an opt out notice under 313.10 ( a ), you must provide a clear and conspicuous notice to each of your consumers that accurately explains the right to opt out under that section. The notice must state : ( i ) That you disclose or reserve the right to disclose nonpublic personal information about ( i ) That you disclose or reserve the right to disclose nonpublic personal information about your consumer to a nonaffiliated third party ; ( ii ) That the consumer has the right to opt out of that disclosure; and ( iii ) A reasonable means by which the consumer may exercise the opt out right. ( 2 ) Examples ( i ) Adequate opt out notice. You provide adequate notice that the consumer can opt out of the disclosure of nonpublic personal information to a nonaffiliated third party if you : ( A ) Identify all of the categories of nonpublic personal information that you disclose or reserve the right to disclose, and all of the categories of nonaffiliated third parties to which you disclose the information, as described in 313.6 ( a ) ( 2 ) and ( 3 ) and state that the consumer can opt out of the disclosure of that information; and ( B ) Identify the financial products or services that the consumer obtains from you, either singly or jointly, to which the opt out direction would apply. ( ii ) Reasonable opt out means. You provide a reasonable means to exercise an opt out right if you : ( A ) Designate check-off boxes in a prominent position on the relevant forms with the opt out notice ; ( B ) Include a reply form that includes the address to which the form should be mailed ; or ( C ) Provide an electronic means to opt out, such as a form that can be sent via electronic mail or a process at your web site, if the consumer agrees to the electronic delivery of information ; or ( D ) Provide a toll-free telephone number that consumers may call to opt out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60099
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: I signed up for a credit card with a 0 % introduction APR. I encountered 3 problems with the card. 1. There is no way to sign up for autopay. ( Thus I scheduled future payments in excess of my amount due into the future. ) I have attached the BOA payment screen which does not show any way to set up automatic payments. 2. My monthly minimum payment due doubled even though my balance was declining each month. ( This was well prior to the interest rate increasing, so there was no reason for the increase. ) 3. BOA did not clearly indicate when the interest rate on my account would change. Because they don't list upcoming rate increases on statements, it is nearly impossible for a consumer to know what interest rate they are being charged at any given moment. I was charged a {$39.00} late fee and {$47.00} in interest. The late fee was charged even though I made a {$50.00} Payment. The interest was charged even though the most recent statement stated that my APR is 0 %. A customer service representative stated that they did not have the ability to wave the Late fee but requested that the charge be reviewed. I have not been contacted since then.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40503
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with customer service
Subissue:
Consumer Complaint: i filed a complaint and it was closed without a response from me. the complaint number was XXXX. The bank only discussed why it didnt cash the personal check. my issue is because they refused to cash a cashiers check. i dont have to have an account for them to have to honor their own cashiers check. they refused.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 757XX
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2024-02-21
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: I disputed XXXX charges on my Bank of America credit card - XX/XX/XXXX XXXX Delivery {$35.00} XXXX TX, XX/XX/XXXX XXXX Delivery {$74.00} XXXX TX. My account was closed and new credit card issued. Then my dispute was denied due to " chip was read, your PIN was entered, and/or you signed for the merchandise or service. '' I called to get details about the transaction but they did not know. They reopened the claim but they are unable to give me status of the claim each time I call back. Just a bunch of transfers from XXXX department and different answers each time I call back. Seems like they are just making things up as the go. I asked for written confirmation that the claim was reopened and they say it's in the app, sent via email and they can not give confirmation. Answers just seem made up on the fly. Claim XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94116
Submitted Via: Web
Date Sent: 2024-02-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A