Date Received: 2023-12-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: There was several claims and disputes on the account due to fraudulent activity and 1 I was concerned about was with XXXX when I filed a claim because my phone and my wallet was stolen along with my backpack. I had to get a new phone and when I got the new one, I called and check up on the claim, and they close the account around say XXXX or XXXX they were not letting me log back in view my account do any banking income or outgoing, withdrawals, or deposits of any kind, and I was pretty much put on account closure notice unable to withdraw Any funds and I am on XXXX for Social Security. I called and requested and asked, can I go to the branch, but at every turn they would not let me get any money out would not let me do anything and left me with no options to get funds and now I am in a current situation where Im be evicted and currently being evicted due to not be able play my rent and withdraw cash which I requested and they denied and was told that I can not receive any money until they close the account completely I kept calling. I happen to get ahold of a representative very helpful individual that told me that they could do something where they would open a new account for me and transfer the funds to the new account and then they would set up the new accounts and have all my money just transferred over so I have access to it so I can pay my bills And make rents and we are all taken care of on all your account set up, and when you came time to lifting the notices, I was told no and to make it worse. I called back again today question and find out when the date of my account closing annd the date for expected cashiers check and they have now told me that there is no timetable. They originally said it was gon na be XX/XX/XXXX and now they were telling me they is no set date or time table of closure for my account they dont have one set so I am going on 2 months without aability to get any funds, and I am currently in process and have been served papers to be evicted.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 77077
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Bank of America is at it again. I JUST filed a complaint on funds availability on this same account! I am a customer of theirs for over 33 years. I opened a new business account about a month ago. I understand new accounts are closely scrutinized - but not existing customers who have been a customer for a THIRD of a century!!! I made a {$7900.00} deposit about XXXXXXXX XXXX on Monday, XX/XX/XXXX. I realize this is considered a deposit on Tuesday, XX/XX/XXXX. All I ask is they follow XXXX XXXX. This means two things : 1. {$100.00} of the deposit should be available on Wednesday, XX/XX/XXXX at XXXXXXXX XXXX ( it may even be {$250.00} now. Not sure ) 2. The remainder of the deposit be available Thursday, XX/XX/XXXX. Yet, according to Bank of America, the funds will not be available until Saturday, XX/XX/XXXX due to a hold. Again, I have been a customer for 33 YEARS!!! I think I deserve to be treated as an existing customer! I have attached the following : XXXX and XXXX : A screenshot pf my account with today 's date and time, showing the hold. XXXX : A front and back copy of the check for {$7900.00} deposited on XX/XX/XXXX. This check is drawn from the exact same client 's account as my two initial deposits of {$1000.00} on XX/XX/XXXX and {$380.00} on XX/XX/XXXX. Please get them to release my funds based on XXXX XXXX. Again, I have been a customer for 33 years!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 019XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Confusing or missing disclosures
Subissue:
Consumer Complaint: ON XX/XX/2023, bank of America has closed my bank account. I still had XXXX $ remaining inside the bank account that has not been returned to me after they closed my account. They told me they were going to do investigation to decide whether my money was obtained through fraudulent activity. I complied with this investigation and send them documents of my money source, my XXXX transaction records, my currency exchange details with the third party who send me money. This investigation lasted for 3 months, until XX/XX/2023, today, Bank of America send me an email, said they found my money were obtained through fraudulent activity and they refused to return me my money. In this email, they did not said how did they reach this decision, and how are they going to deal with this XXXX $ if they are not going to return it back to me. And if they determined this is fraud, who was the person XXXX fraud? Who is the victim? I ask these question because I know it is not a fraud and I can provide them documentations to prove that, but I don't know whether they considered it or not. In fact, it was money send through wire transfer from my parents in XXXX, in XXXX currency. I was exchanging this currency with another student I knew from school. And each time I send him XXXX currency, he XXXX me dollars through online banking. We went on multiple transactions back and forth like that and the total amount is about approximately {$10000.00}. I don't know how can this activity be decided as fraudulent and I need that money from my parents to support my own life as an international student. They are looking like they just going to take money from my bank account using their authority.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 981XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I contacted the risk and closure department today XX/XX/2023 I was told I can go to a bank branch and receive funds from my checking account that was closed. Im thankful and happy about this however since my bills are way past due and I face eviction I need the funds from my savings accounts as well one savings had {$500.00} another had {$1000.00} again to reiterate this is a problem I face eviction from non-payment of rent I take care of my Aunt that is XXXX and on XXXX my Aunt can not stay in a shelter and we do not have family here in this state that we could stay with not to forget to mention it is holiday time and I literally have no money because BANK OF AMERICA HAS IT ALL. If Bank of America needs proof of where my money came from I can provide proof Ive received my money from employment, unemployment, student loans, and personal loans I'm willing to provide this information if it helps. A check for the two savings accounts being issued is unacceptable I need to retrieve all funds from all accounts by showing up in person with my ID and SS card to verify my identity. This is unacceptable please please please help get this resolved so I can retrieve all funds at one time.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 066XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Problem with a purchase or transfer
Subissue: Card company isn't resolving a dispute about a purchase or transfer
Consumer Complaint: I currently have a claim with Bank of America, totaling over {$9000.00}, and have yet to recieve a solution or answer regarding the return of funds back to my account. This claim was created all the way back in XXXX I filled a dispute with the CFPB originally back when I first submitted the claim, around XXXX XXXX the comlmaint id is : XXXX. A quick recap regarding the claim. I had a huge amount of fraduklent activity occur on my Bank of America EDD prepaid account. I had just endured XXXX along with almost a XXXX XXXX XXXX XXXX, and when I finally started feeling better- I realized my account had been seriously compromised. Over {$9000.00} had been stolen over a course of a few days. Being a single mother who relied on unemployment benefits, I became terrified and desperate for help. I submitted multiple claims to Bank of America. With these claims, I included several supporting documents. Police reports, reports from my other card companies that were compromised, online vendors, who accepted payments, and most importantly, a letter from my physician, stating the date I had XXXX, and remained on XXXX XXXX The transactions occurred on the date. I was under his care. My claim had progressed to a different department and was handled by a man by the name of XXXX XXXX. He he assured me that it may take some time, but my claim would be handled seriously and thoroughly. After 60 days, XXXX XXXX stopped responding to my phone calls and emails. I never received an answer from Bank of America and every time I call representative say they dont find my claim and then if they do they say theres still no solution. This is a huge amount of money that I lost, I had faced addiction because of this and had to move out of my home. This stuff cost me a huge part of my life! I tried to forget about the claim and move on with my life, excepting that I have been a victim of theft. But, furthermore, I also felt victim of Bank of Americas XXXX and unfit claims department. To my surprise XXXX of this year I received a letter that my claim had been processed and I was about to receive around {$200.00}. I had no idea what that this claim was it included two charges back in XX/XX/2021- this date was from with my original claim. When I called Bank of America, I was told that the new claim was processed for me by Bank of America when they noticed two transactions that were not included in my original claim. They determined these transactions to be the result of fraud so they did so they refunded me the money. If they determined two transactions during the time of my initial claim, where is the rest of my money? How come the rest of my claim hasnt been completed? Every time I come Im told theres still no decision. This is ridiculous. Its been over two years! In addition, Bank of America already admitted that fraud had occurred on my account from the two transactions occurring in my original claim! It is time for Bank of America to rectify all of the wrong in the situation. I have lost my home, countless nights asleep, and overall trust in banking security systems. I was always very frustrated that Bank of America never even phoned me when all of these purchases occurred on my account not even an email. I am desperate for help. Bank of America needs to acknowledge my claim once and for all, and Refund the funds back to my account. My Bank of America claim number is available opon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92868
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: Before I start, I am an engineer by background. I have a XXXX in XXXX XXXX from XXXX and currently work for a software startup. I have laughed and shown scorn when I've come across articles or heard stories of people falling for elaborate scams. My story is no different, but I hope you'll read it anyway to understand how the misinformation from a BoA associate worsened the already painful scam that I was a victim of. Yesterday, XX/XX/XXXX, I received a phone call from XXXX and someone claiming to be a BoA fraud specialist. He enquired whether I had authorized a {$2000.00} XXXX transaction from XXXX, NY at XXXX XXXX to a XXXX XXXX XXXX. When I said no, he gave me the case number XXXX and transferred me to an associate who could help me cancel this transaction and secure my account. The second agent identified herself as XXXX XXXX with ID number XXXX and said that since XXXX was a third party service the only way to cancel that transaction was to send reset codes to a dummy account. She walked me through setting up a dummy recipent ( email : XXXX and last name : CUTO was short for Cancel Unauthorized Transaction Override ) and send the " reset code '' as the transaction amount ( {$1500.00} ) and include my case number in the message. She said it didn't register and proceeded to walk me through two more dummy reset transactions- totaling {$2800.00}. Throughout the exchange, I kept asking her how I could trust that she was from BoA and she assured me that the number on my caller ID XXXX was reserved for BoA and can not be spoofed. She said that I could reach her at XXXX or dialing XXXX and ext XXXX any time I had any questions. Before we hung up at the end of the 43 min call, she said that she and her colleagues would reach me tomorrow to confirm that my account was secure and none of those transactions would clear. After I hung up with her, I suspected a scam, and called BoA at XXXX XXXX at XXXX. I was connected to an associate named XXXX from the claims team who told me that it was indeed a scam, but I had called just in time for BoA to cancel those transactions. She promised that the transactions would not clear, proceeded to take meticulous notes of the scam I mentioned above and said it would be investigated. After this conversation, when I checked my BoA app, the three XXXX transactions that were initially showing as " processing '' disappeared from my Checking account activity. My account balance rebounded back to {$3200.00}. I was advised I didn't need to file a claim at this point because XXXX was able to cancel the transactions. I woke up this morning to find that these three fraud transactions cleared and my account balance is {$330.00}. I immediately called BoA and spoke to an associate named XXXX who filed a fraud claim on my behalf. She assured me investigations into BoA impersonators are taken seriously but she could provide any clarifications about why I was misinformed by XXXX yesterday. Unhappy with the lack of clarity, I called back to BoA 's claims team to connect with XXXX from Maryland and spoke to his manager XXXX XXXX who I went through all these details with. He expressed his sympathies and said the claim process - XXXX - was the best way to proceed and had no explanation for the gross miscommunication from XXXX. The scammer, " XXXX XXXX, '' called me back on XX/XX/XXXX at XXXX XXXX offering to walk me through sending more " reset codes '' in an obvious continuation for the scam. Bank of America said that they would need 45 calendar days to give me a resolution on the fraud claim. I escalated this entire experience to XXXX XXXX, president of Bank of America 's retail services on XX/XX/XXXX. I was then assigned a resolution partner named XXXX who said she would answer any questions I have but would not participate in the actual fraud claim resolution. I think there is gross negligence on Bank of America 's part in this scam and the least they can do is restore my funds to me. Attached are : 1. screenshot of bank activity showing the three fraud claims 2. Call log showing the two incoming calls from the scammer- all the outgoing calls are me trying to reach Bank of America after the fraud 3. Screenshot of one of the " reset '' transactions the scammer walked me through
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30319
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: I opened a business checking account with Bank of America that had a promotional bonus of {$1000.00} for maintaining a {$30000.00} bonus for 60 days. I completed the requirements for the bonus and Bank of America will not pay it, claiming I should have used an offer code. No offer code was required when I opened the account, nor is one required in the terms and conditions found in the attached screen shots of the application page.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17202
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: To Whom It May Concern, I am writing to file a complaint with the Consumer Financial Protection Bureau ( CFPB ) regarding an ongoing issue with Bank of America. My name is XXXX XXXX, and on XX/XX/XXXX, I contacted Bank of America at XXXX to address concerns related to a government check deposit of {$65000.00} made on XX/XX/XXXX. Summary of the Issue : On XX/XX/XXXX, I deposited a government check for {$65000.00} at Bank of America. The teller informed me that {$220.00} would be available within 24 hours, an additional {$1700.00} on XX/XX/XXXX, and the remaining balance on XX/XX/XXXX which are referenced on the deposit receipt. However, upon calling on XX/XX/XXXX, I was told that the entire amount of {$65000.00} would be available on XX/XX/XXXX. Key Points : Duration of Call : 32 minutes at XXXX XXXX XXXX refused to accept a court order as proof during the deposit. The Office of the Comptroller of the Currency stated that {$5500.00} should be made available on the deposit day. Federal clearinghouse causing the delay, with a hold period from 2 to 10 business days. Inability to override the hold by any bank personnel, including managers. At 54-minutes speak with a manager named XXXX. Mention of the check amount over {$5000.00} and increased chances of holding, citing Regulation CC. No release of deposit holds policy for an account held for eight years. Lack of a complaints department. Unanswered questions regarding the specific reasons for the hold and discrepancy in availability dates. Reference to the deposit agreement and the suggestion of an electronic deposit to avoid holds. No notification about changes to the deposit agreement received by mail, only online. Total Duration of Call : 84 minutes, with questions still unanswered. Contact with a manager named XXXX at the 84th minute. he put a request for his manager to call back at ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 983XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: A CHECK FOR AMOUNT OF XXXX WAS MADE OUT TO ME FROM XXXX BANK OUT OF MY ESCROW ACCOUNT THAT WAS MY INSURANCE MONEY TO PAY MY CONTRACTORS WHO REBUILT MY HOUSE AFTER A HOUSE FIRE! THE CHECK NEVER MADE IT TO ME, I MADE MANY POLICE REPORTS. DID ALL THE PAPERWORK XXXX BANK REQUESTED FROM ME. INVESTAGATION IS AT XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, WAS GOING TO QUESTION THE XXXX PEOPLE WHO ILLEGALLY FORGED MY NAME ON IT AND CASHED IT AT A BANK OF AMERICA XXXX XXXX NEW YORK XXXX THEN THEY WAS CHARGING THEM WITH MANY CHARGES! NOW THAT INVESTAGATION IS DONE BANK OF AMERICA STILL WILL NOT GIVE ME MY MONEY. NOTE THAT THE CHECK HAD XXXX NAMES IT WAS MADE PAYABLE TOO. NOTE XXXX ONLY FORGED MY NAME ON THE BACK. SO BANK OF AMERICA DID NOT EVEN HAVE IT ENDORSED CORRECTLY. THEY SHOULD HAVE RED FLAGS JUMP OUT AT THEM IN THE PROFESSION THEY ARE IN AND THEY FAILED TO FOLLOW PROCEDURES AND LAWS/ RULES- ALL BROKEN!! I NEED MY XXXX XXXX BACK NOW!!! I HAVE CONTACTED THE XXXX XXXX WHO HANDLES BANK OF AMERICAS COMPLAINTS, BUT HE WILL NOT EVEN RETURN MY CALL. IT TOOK HIM 5 DAYS TO EMAIL ME THAT HE NEEDED THE AFFIDAVENT COPY I FILLED OUT FOR XXXX BANK TO OPEN THE FRAUD CASE. I SENT THAT TO HIM NEXT XXXX. IT HAS BEEN FEW DAYS NOW AND NO WORD FROM HIM,. I EVEN CALLED HIM TWICE AND NO CALL HAS BEEN RETURNED TO ME. THE XXXX NEW YORK BANK OF AMERICA I CALLED AND SPOKE TO A XXXX ABOUT THIS SAID THAT IT IS NOT RIGHT THAT THIS EVEN HAPPENED BUT IN ORDER TO TELL ME IF THE XXXX OPENED AN ACCOUNT WITH MY NAME TO CASH THE CHECK- OR IF THEY SHOULD AN ID WITH MY NAME ON TO CASH THE CHECK, I WOULD HAVE TO BRING MY ID INTO THE BRANCH .... I THINK IT SHOULD BE A LAW THAT THEY SHOULD TELL ME IF ACCOUNT WAS OPEN OR IF CRIMINALS HAVE AN ID WITH MY INFO ON IN ORDER TO PROTECT MYSELF AND MY CREDIT AND MY LIFE FOR THAT MATTER. I DONT SEE HOW ANYONE CAN KEEP INFORMATION LIKE THAT AWAY FROM THE VICTIM??!! I WANT MY MONEY BACK AND IT HAS BEEN SINCE XX/XX/2023 THAT IT CASHED AND THE CASE OPENED UP XXXX XXXX AND ONLY BECAUSE THE XXXX BANKS NEGLIGENCE GOT MY CHECK STOLEN BY THEIR POLICY IN WRITTING A CHECK AND THEN THEY HAVE XXXX TO XXXX BUSINESS DAYS TO ACTUALLY GET IT IN ENVELOPE AND SEND IT OUT, THEY DONT SEND IT WITH A TRACKING NUMBER OR ANYTHING., NOT CERTIFIED- NOTHING THEY JUST SEND IT CARELESSLY TO PEOPLE WHO HAVE HAD A CATASTROPHIC EVENT HAPPEN TO THEM TO BEGIN WITH. AND IT WAS BANK OF AMERICA WHO NEGLIGENCE OF NOT PROPERLY TRAINING THEIR EMPLOYEES THAT ALLOWED A XXXX PERSON PAYABLE TO CHECK BE CASHED WITH A HANDWRITTEN ONLY XXXX NAME FOR THE ENDORSEMENT, AND WITH ME NOT HAVING AN ACCOUNT THERE OR SHOWING ID .... ALSO NOTE I HAVE NEVER EVER IN MY LIFE HAD A BANK OF AMERICA ACCOUNT,. AND I LIVE IN XXXX AND WE DONT EVEN HAVE A BANK OF AMERICA AROUND WHERE I LIVE!!! SO, I NEED SOMEONE TO MAKE THEM DO WHAT I THOUGHT WAS A LAW- FEDERAL LAW AT THAT, AND MAKE THEM GIVE ME MY MONEY BACK. WHY AM I WAITING AND BEING XXXX BECAUSE I CANT PAY MY CONTRACTORS FOR THEIR WORK ON BUILDING ME A HOUSE AND I CANT LIVE IN IT ..... I STILL PAY XXXX BANK MY XXXX. MORTGAGE PAYMENT ON TIME EVERY MONTH AND THAT WILL STOP HERE REALLY SOON. IT IS ALMOST XXXX DEGREES AT XXXX AND XXXX HAS NOT EVEN BEGUN. SO I WILL GET MY XXXX KIDS AND I A HOTEL TO LIVE IN REALLY SOON. I DONT WANT TO FREEZE TO DEATH OR DIE BECAUSE I HAVE THE CAR ON ALL XXXX TO STAY SOMEWHAT WARM- ALL BECAUSE THESE XXXX BANKS NEGLIGENCE ALLOWED THE FRAUD/THEFT/FORGERY TO HAPPEN. IS THERE NOT A 'VICTIM LAW ' SO THE VICTIM CAN STOP SUFFERING??????? OR DO I JUST KEEP BEING THE VICTIM AND LETTING THE USA AND THE BANKING SYSTEMS AND FEDERAL EVERYTHING KEEP XXXX ME AROUND AND MAKING ME WAIT. WHEN IS ENOUGH ENOUGH????????? YOU WILL SEND THIS OUT TO THE SAME PEOPLE I HAVE TO DEAL WITH AND NOTHING EVER GETS TAKEN CARE OF. THEY HAD THEIR WHATEVER AMOUNT OF DAYS THEY NEEDED TO XXXX, NOW PAY UP!!!!!!!!!! SO SENDING THIS TO XXXX XXXX AT XXXX OFFICE, OR XXXX XXXX BANK OF AMERICAS OFFICE WILL NOT HELP ME AT ALL.- XXXX KNOWS XXXX -WELL, XXXX XXXX SAY XXXX IS THE PROBLEM- SHE KNOWS JUST PLAYS LIKE SHE IS A XXXX XXXX- WHICH I AM SURE TO BE IN THAT POSITION SHE IS NOT AND IS VERY WELL PLAYED ACTOR IN HR ROLE- AND THE XXXX AT BANK OF AMERICA- WELL HE JUST DOESNT EVER CALL ME BACK OR EMAIL FOR THAT MATTER. NOT EVEN A REPLY LETTING ME KNOW HE DID GET THE INFO I SENT OVER TO HIM THAT HE REQUESTED- NOT A WORD, SO MAYBE SOMEBODY HIGHER UP THEN THESE BANKS NEEDS TO STEP IN... AND I ANY CASH OVER XXXX HAS TO BE REPORTED TO THE IRS- SO HOW DID THAT REPORT GO- BETTER NOT HAVE BEEN IN MY NAME- OR DID BANK OF AMERICA NOT EVEN DO WHAT THE FEDERAL GOVERNMENT/ IRS REQUIRES THEM TO DO !! I DONT SEE HOW THEY CAN GET AWAY WITH MESSING WITH THE IRS XXXX BUT I DID NOT GET THAT MONEY SO NO REPORT SHOULD BE IN MY NAME AND IF IT WAS THEN THEY LIED TO THE IRS ON TOP OF ALL OF THIS- I BET IRS WOULD GET THEIR MONEY BACK!!!!!!!! PLEASE HELP ME. I AM TIRED OF DOING THESE COMPLAINTS AND TIRED OF DEALING WITH BIG CORPORATES WHO JUST WALK ALL OVER THE LITTLE PEOPLE IN LIFE.. SYSTEM IS XXXX. I DONT CARE WHAT THEY HAVE TO DO, JUST PAY UP,. TAKE IT FROM WHERE EVER THEY MUST- NOT MY PROBLEM. XXXX SHOULD BACK THEM UP ON THIS ALSO SO I REALLY DONT UNDERSTAND WHY I AM STILL WAITING.. SORRY FOR TYPOS. I ONLY HAVE SO LONG BEFORE BATTERY DIES SO I AM JUST TYPING. THANK YOU AGAIN I GUESS.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IN
Zip: 465XX
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I believe my personal information was stolen last year, and an unauthorized individual used my credit card information to make fraudulent charges. I want to emphasize that I did not make these charges, and I am determined to prove my innocence. I would like to request an investigation into the IP address and location from which these fraudulent charges originated. By identifying the source, we can gain valuable information that may help resolve this matter. It's important to note that I have always been responsible with my credit cards and have never failed to make payments in the past. I kindly request that the Bank of America thoroughly review this case and reconsider its decision to hold me responsible for these charges. I ask for the removal of the fraudulent charges from my credit card statement and the removal of any negative impact on my credit history associated with these charges. I am committed to working with you to resolve this issue promptly and fairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91214
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A