Date Received: 2023-12-12
Issue: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I filed an FTC report for the fraudulent activity on my credit report. Bank of America has flagged my credit report for late payments and charge offs. I have no knowledge of this account. The accounts are not mine.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89149
Submitted Via: Web
Date Sent: 2023-12-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Fraud or scam
Subissue:
Consumer Complaint: On XX/XX/XXXX I was contacted via email by a XXXX regarding a job opportunity via the rotary club working for an XXXX XXXX. The job opportunity involved working as a personal assistant purchasing items for foster homes and aiding XXXX XXXX in her humanitarian relief. I reached out to accept this opportunity and I was contacted by XXXX XXXX via email at XXXX. She established contact and gave me a list of supplies the homes needed. She then sent me a check for {$1000.00} to use for these purchase. After this she reached out and told me the foster homes were in need of cash and she needed me to send {$990.00} to one of the homes. She sent me another check to make up for this and I did not think anything of it. I sent the money via XXXX to a XXXX XXXX at XXXX. A few days later my account with Bank of America was closed due to fraudulent activity. I was cut off with no money as a college student away from home. I was confused and frustrated because I did not realize I was being scammed until this occurred. I contacted the bank and filed a fraud claim to get the account resolved and my money returned. The bank barley asked for any information and if they did ask for anything it was typically all vague. The never received any files on my end regarding the situation. They asked for names and that was it. Unfortunately the account closure was final and I could do nothing to change it. My account was closed and I was left stranded with no funds. As for the funds I lost being recovered the fraud and claim department could not offer me a solution after an investigation. My account was closed and I did not receive any money back after the fact. I feel as if it was grossly mishandled.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 750XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Identity theft protection or other monitoring services
Subissue: Problem with product or service terms changing
Consumer Complaint: In XXXX, I received a text message from an unknown individual who claimed to have mistaken me for a colleague. Initially, I informed the person that they had contacted the wrong person, but they kindly apologized for the confusion and mentioned that they were from XXXX XXXX. Since I live in XXXX, I assumed we were not acquainted. Over time, this person, who identified himself as XXXX, began sending me friendly messages and eventually extended a gesture of apology for the initial mistake, inviting me to meet him. Gradually, the conversations developed into a friendly courtship, with discussions about family, work, and everyday life. XXXX presented himself as knowledgeable about investments, particularly in cryptocurrencies, and offered to teach me about crypto trading. Intrigued by the prospect of earning additional income, I decided to take part in cryptocurrency investments with XXXX & # XXXX ; XXXX guidance. He introduced me to a platform called XXXX and instructed me on how to trade and invest. Initially, I invested a small amount of {$3000.00}, which yielded a modest profit. Encouraged by the results, XXXX advised me to invest more for better returns. As the trading activities progressed, XXXX gradually increased the investment amounts required to participate in the trades. Each time, he assured me of substantial profits. Eventually, I accumulated an investment amount of {$160000.00}, inclusive of profits generated. However, when XXXX insisted, I invest a further {$300000.00} to participate in the next trade, I expressed my inability to provide additional funds. In response, he suggested various measures, such as selling assets or seeking loans from banks and friends. It was during this time that he started discussing future plans together, including buying a house and going on vacations. Realizing I couldn & # XXXX ; t acquire the additional funds, XXXX proposed that I withdraw the money from my XXXX account. We initiated a transfer process, but the funds never appeared in my wallet on XXXX, as expected. Subsequently, I received emails requesting payment of taxes on the supposed profits and informing me of an ongoing review of the withdrawal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NV
Zip: 89102
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute certain information on my credit report related to the following accounts. The discrepancies have been acknowledged by the respective banks as internal errors, and they have committed to making the necessary corrections. I request that you update the information accordingly : BANK OF AMERICA , N.A . XXXX. I have attached supporting documentation, to substantiate these claims. These inaccuracies are causing financial and emotional distress, and I request a thorough investigation into these matters. I withhold my consent for electronic communication and explicitly request that all responses be conveyed in written form through the United States Postal Service ( XXXX ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91307
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-13
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I applied for a loan, in order to Purchase a Vehicle. The action, the company took, was to Deny me an Extension of my Consumer Credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 117XX
Submitted Via: Web
Date Sent: 2023-12-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-12
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Bank of America really takes advantage of me. 1- when I pay a vendor online for a service, Bank of America takes 2 weeks to process the payment. Now the problem is that Boa declined the charge after couple of days and then telling that vendor declined the payment. Worse what boa does is that Bank of America will never return the money. I am in a loss as follows : {$100.00} submitted on XX/XX/23 for XXXX XXXX XXXX {$320.00} submitted on XX/XX/23 for XXXX XXXX XXXX I never received the service from this vendor and Bank of America never returned the money. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93030
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: 2023-12-11
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: I booked a vacation Package through XXXX on XX/XX/2023 itinerary # XXXX The total was {$3700.00} I was charged {$3500.00} the {$120.00} ( Hotel Fee ) was to be collected at the time of stay by the XXXX XXXX XXXX XXXX. The package included XXXX XXXX for 3, a rental car, and hotel room. I paid for the package using my XXXX XXXX, not the Bank of America card I am disputing. Upon Checking out of the resort I was presented a bill for {$410.00} I explained I should only be charged the {$120.00}, they said that XXXX often misleads people and the {$30.00} a day for parking was not included in the fee. I had no choice so I signed the receipt and left to catch our flight. Please see the attached terms from XXXX. It says I am charged for the TOTAL package at the time of purchase. It does not mention other fees. I arrived home I checked my Bank account on XX/XX/XXXX and was shocked to learn XXXX XXXX charged me an additional {$1100.00} XXXX immediately called XXXX and was told that I was charged for the room. I explained I bought a package from XXXX and I had already paid for the room. The front desk said they would have to transfers me to management. I left XXXX message 's over the course of the next week, and sent an e-mail. Management never responded. I reached out to XXXX, there is NO number to call, I went through a chat bot and was transferred to an agent who said I he would have to have a manager call me. The manager finally called me, but could not get a hold of XXXX resort. Frustrated I filed a dispute with my credit card at Bank of America. After Bank of America rejected my dispute a second time I decided to take it back up with XXXX and XXXX. I called XXXX on XX/XX/2023 I asked the front desk for a copy of the receipt for the charge of {$1100.00}. The women responded that they could NOT provide me a receipt because they NEVER charged my card that amount. She only had record of the {$410.00}. I asked her to please send me something in writing stating they did not charge the card. That way I would be able to go back to Bank of America and get the money refunded to me. She placed me on hold and then transferred me the voicemail for XXXX XXXX the General Manager. XXXX XXXX called me back promptly and explained that during my stay they were in the process of merging their systems. Somehow my credit card and not the Virtual credit card XXXX sent was applied to my stay. He apologized and said he would give me a refund. His Front desk manager sent an e-mail asking for a credit card number to issue a refund to. I responded XX/XX/2023 and wanted to know who would be covering the interest I had been charged for the last 90 days. If I did not go through the dispute process Bank of America would not credit the interest back. I still have not received a response. I reached out to Bank of America. I explained the dispute should NEVER have been in favor of XXXX. I wanted them to re-examine the dispute and LACK of evidence. I was told that because they looked into the dispute 2x already that there wasn't anything they could do to help me. I don't understand how MY bank would side with a company that never showed them any concreate evidence I allowed this charge to occur. Each time they rejected the dispute, they said it was because XXXX deserved to get paid for services rendered. Again they were paid it was their system failure that made it possible to FRAUDULENTLY charge my Bank of America Card. Bank of America should be protecting it's consumer. What " evidence '' did they use? How can a statement be proof enough for MY BANK to side with a Corporation that admits they made a mistake. Why do I have to pay interests on a card that should have NEVER been charged in the 1st place? This entire dispute has cost me hours of my time. I own a small business and am the founder of a small non profit dedicated to helping seniors who have been financially exploited. This has taken time away from clients who desperately need my help. All because Bank of America didn't do their job to protect me. I have attached : XXXX XXXX statement, showing the original charge. Bank of America CC statement showing the fraudulent charges XXXX Receipt XXXX Terms E-mail from XXXX wanting to refund the {$1100.00} E-mail my response asking about interest and the additional funds I was charged.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 853XX
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: I have a BoA Alaska XXXX CC that I have had for several years. This year, our balance was high due to a late XXXX family trip and the holidays. In late XXXX, we were unable to use our cards due to reaching the balance limit so I made a payment of {$2000.00} ( which more than covered my minimum balance in XXXX of {$80.00} ). In early XXXX, due to holiday shopping and life, I made another payment of {$15000.00} in order to make sure we had additional purchasing space for the rest of the month. For some reason, BoA 's system didn't remove my minimum balance as being paid for XXXX ( even though the system showed me as having no payment for XXXX when I made the {$15000.00} payment on XXXX? ) and on XXXX, my payment due date, BoA withdrew over {$8000.00} from my account since I am signed up for autopay. When I called them and asked why the autopay was taken out when I had already paid my bill they could not provide me with an answer. The manager I spoke with said this money can not be credited back to my account for 1-3 business days on their end and then an unknown amount of time for it to land back in my bank account ( a week or more likely ). This happening in the first place is criminal. Them not being able to remedy the issue, especially it being the holidays and all, is just unacceptable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OR
Zip: 97321
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Any Per FCRA as a federally protected consumer, I am now opting out of any and all authorization, I the consumer may have given you written, unwritten, verbal and non verbal per 15 USC 6802. I was never given the opportunity to opt-out before anything was reported, which is a violation of my rights.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29673
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-11
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Someone I lived with in XXXX tried to deposit a check into my Bank of America checking account without my consent and the fraudulent check was rejected because it wasnt me. Bank of America closed the checking account and ever since I havent been able to open any checking accounts with any major banks.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92562
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A