Date Received: 2023-12-03
Issue: Getting a loan or lease
Subissue: Credit denial
Consumer Complaint: I asked Bank of America XXXX XXXX XXXX XXXX XXXX XXXX of Regulatory Complaints to provide me with the Law that states they can deny me credit. 15 USC 1691 which states ; ( a ) Activities constituting discrimination It shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction Please provide me a Law that states I can be denied Credit ......
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other features, terms, or problems
Subissue: Problem with customer service
Consumer Complaint: The Bank of America XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, NC XXXX Dear sir, I have received an email from your company, Bank of America, which asked me to check the message in your company website. Therefore, I opened the claim number XXXX, which told the claim price {$50.00}. And an attached message/letter asked me to submit the additional information for this claim. As I mentioned in the previous letter, this claim must mean for the charge of XXXX XXXX XXXX in XXXX, NJ. However, on XX/XX/XXXX, the amount of {$58.00} was returned by the same office ; therefore, I would like to ask what this {$50.00} is meant and what kind of additional information you want. Sincerely,
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 076XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Problem caused by your funds being low
Subissue: Bounced checks or returned payments
Consumer Complaint: On XX/XX/XXXX I had a check made out to the GA Revenue for a last payment for local state taxes. There was enough money in my account to make this payment and according to Bank of America 's check payments, it should have been paid as there was {$20.00} left in that account and I was expecting a deposit in one of my accounts for over {$6000.00} which I received the next day and I would transfer more money into that personal account. There was a bank of america payment to a credit card I was paying additional funds on and nothing was due which was posted or listed after the check was presented. They chose to pay this payment ( their credit card ) over my check sent for taxes!. With this credit card I have {$14000.00} of credit line and {$2500.00} remaining and this was not due it was an additional {$100.00} payment. Bank of America returned the State tax check and paid themselves ( which posted after ) I am sending a screenshot and want a letter to send to the State of Ga so I don't get fees there. I send another payment to them and letter with screenshot to a manager at the State of Ga Dept of Revenue. The balance at that time was paid off.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Closing an account
Subissue: Can't close your account
Consumer Complaint: I went to branch of Bank of america 5 months ago to get mailed verifacation, for this account, from the bank and the manager called a special number, they said they would email me and mail proof that the debt is valid, nothing ever happened. i disputed with XXXX 4 times they said its valid by computor, bank of america cant send validation proof, which i have asked for 4 times, the last time was XXXX weeks ago and said they would mail to me, that has not happen. Bank of America needs to show me WRITTEN Proof this debt is factual. other wise delete from XXXX XXXX Report. I have addtional infomation disputing this debt
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 333XX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: BOA maliciously denied my online access to my mortgage account messages, statements and all other documents for my mortgage loan number XXXX with no explanation, all that occurred by design as BOA always on weekends, to intentionally induce XXXX and fear for no reason other then to intimidate customers. I have been denied modification and I am in the process of getting my XXXX XXXX XXXXXXXX XXXX approved to pay the balance due, XXXX XXXX XXXXXXXX program analyst called and spoke with BOA to let them know about the pending approval application. my Mortgage loan number is XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: On XX/XX/2023 I received an email that I signed up for Bank of America online banking. I dont bank with them and havent applied for anything through them. I called to try to get info but they wouldnt give me any information with account or card number that I dont have because I didnt open the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 40291
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I had a secure credit card from Bank of America. I requested, in XX/XX/XXXX, that it be closed after applying my deposit to pay it off and send the remaining deposit back to me. They confirmed that the account is closed, it even stopped appearing on the app. When I called to confirm that it was closed, in XX/XX/XXXX, they again confirmed its closed. In XXXX of XXXX, I got a call from a dept collector saying BoA had sent my account to collections, they facilitated the call with BoA where the BoA agent confessed that the account was somehow not properly closed- the deposit was not applied to it- and it kept accruing interest. Although they understood the problem, they just bounced me between departments and told me that no one has the authority resolve the issue. I was told that while they understand its unfair, I should just pay it off to get it over with.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75081
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
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: On XX/XX/XXXX I paid {$3400.00} to attend a jazz festival in XXXX, XXXX on XXXX XXXX. This was to include hotel accommodations and a weekend of jazz with Music Getaways. XXXX days before the concert I got a letter that the hotel was oversold and not to come to XXXX. XXXX days before the concert I got a letter to stop calling the hotel because it was not the hotels problem but theirs and they would get back with me and offer me to attend another concert in XXXX. I dont want to attend a concert of theirs in XXXX. They changed the lineup of the concert they cancelled on me and removed the headliner so I have no idea what they will deliver if anything in XXXX ( plus I paid for a concert in XXXX not XXXX ). I have no way of contacting them as you can only reach them by e-mail. I sent them several e-mails and they still have not reached out to me. XXXX XXXX is now in bankruptcy, they have several scam sites dedicated to them on FB and XXXX and they also have had newspaper and news reports on their lack of delivering the services promised because they have scammed so many people. Many people have gotten their money back from their credit cards including some with CC accounts at the Bank of America per a poll done on one of those Scam pages on FB. How does Bank of America decide to give some of their customers their money back and not all of them when we all had the same thing happen to us. It seems like it just depends on who reviews it. I want consistency and fairness. Can I repeat their response to me was I did not prove that I did not get what I paid for. I dont understand how the e-mail from Music Getaways received 3 days prior to the show that says DO NOT SHOW up in XXXX XXXX XXXX XXXX is not proof that I DID NOT GET WHAT I PAID FOR. As I today, I gave Music Getaways {$3400.00} of my money and I received absolutely nothing : NO HOTEL and NO JAZZ CONCERT I went through the dispute channel with Bank of America. I sent them the following : Letters cancelling my ability to attend the concert from Music Getaway Letter from the attorney general that they are in bankruptcy court Copies of XXXX XXXX from the Scam website News article on the scam of this concert promoter After all of this Bank of America denied my claim and did not offer me any option to appeal their decision. These people stole my money. I was unable to stay at the hotel or attend the concert, yet they charged me {$3400.00}. I am super angry with them for intentionally taking my money but how can a financial institution condone this and not consider it fraud, lack of receipt of services when I did not get what I paid for and I proved it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63303
Submitted Via: Web
Date Sent: 2023-12-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-03
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I received an email and letter on XX/XX/XXXXXXXX requesting that I activate my new card and to manage reoccurring subscriptions on the same card. Subscriptions that should have ended with the card around XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98102
Submitted Via: Web
Date Sent: 2023-12-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-12-04
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX To whom it may concern : I am also requesting a copy of my updated credit report.I have the right to contest any information on tha credit report that I believe is inaccurate. So, I am contesting any information on my credit report that I believe is not accurate. The data included in this document must be documented and validated before it can go onto the actual reports! The allegations of delinquency and derogatoriness are without evidence, so I refuse to accept them as true. Let me take a moment to inform you that the reportability of this allegation has been challenged. It doesn't meet federal or state requirements for reporting, so please make sure it's as accurate and thorough in its entirety before submitting anything! The law requires that you make sure all of your claims are accurate and reported in the correct format. This is a great way to ensure compliance with regulations, so we hope this reminder helps! All of our information must be reported accurately and accordance with XXXX XXXX regulations or else you could face fines! AGAIN! Please take this seriously. I am writing to remind you that all your claims need accurate reporting in order for them be reported correctly, which is required by law ( FCRA ) and XXXX XXXX Standards.For any account that is alleged to be delinquent or derogatory, I would like evidence showing why you and the company who provided the data to you considers the financial state as such. The law requires that I have proof of a permissible purpose for any inquiry within my report. Therefore, I'm requesting that you verify permissible purpose was provided for each account and inquiry. You have 30 days to investigate this matter and confirm that it is being reported correctly or remove any errors from the report. I am looking forward to receiving your proof of action and my updated credit report. These allegations appear to be false. Please provide evidence for each claim. If any of these claims are not true, please delete them immediately. I am also requesting a copy of my updated credit report. Below is a summary of the data in which I am challenging : Summary of Inquiries being challenged in list form XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX BK OF AMER ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX XXXX XXXX ( XXXX ) - ( XXXX ) XX/XX/XXXX Inquiries XXXX XX/XX/XXXX XXXX I am writing to formally request that the credit inquiries listed here be deleted from my credit report. I have not authorized any of the companies listed to view my credit history, and as such, the inquiries are in violation of the Fair Credit Reporting Act, Section 1681 ( c ). I would appreciate if you could remove them immediately. XXXX XX/XX/XXXX XXXX The request to remove these inquiries from my credit report has been made more than once, but I want them gone permanently. They are indeed violating the Fair Credit Reporting Act and should be deleted immediately! BK OF AMER XX/XX/XXXX XXXX I believe someone has requested my credit file without my knowledge and I would like this removed or proof provided that you have permission to pursue this course of action under the Fair Credit Reporting Act. I would appreciate if you could provide documentation showing compliance with FCRA guidelines. Please respond as soon as possible.Danielle D XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX SSN : XXXX DOB : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX The credit report I received from you showed a few companies that are not familiar to me. It looks like they put an inquiry on my file without me knowing, but this shouldn't be possible unless it's something approved by me first! U.S. Code, 15, U.S.C & 1681 es seq. Section 604 states that all users must haves permissible purpose under the Fair Credit Reporting Act to obtain a consumer report. Please have this inquiry removed from my credit file or forward me documentation ( physical proof ) that you have proven permissible purpose for this inquiry XXXX XXXX XX/XX/XXXX XXXX I didn't know that companies were looking for my information, but this one on my credit report is unfamiliar to me. It looks like they put an inquiry without getting permission first, which isn't possible unless they had a permissible purpose, which is outlined in section 604 of the U.S. Code. If they didn't have a permissible purpose, please remove this or send me documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XX/XX/XXXX XXXX I received a copy of my credit report today and discovered an alleged hard inquiry. I do not recall authorizing this inquiry and I would like to see the application of credit. I contest the reporting of the above noted inquiries and challenge the demonstration of the confirmed physically verifiable proof of validly acquired lawful permissible purpose, concerning an exactly identified consumer who is/was lactually identified as being me and only me. Please provide proof of permissible purpose by furnishing to me documentation of the credit application with proof of signature showing that I indeed applied for credit with this company, otherwise delete the alleged inquiries immediately. XXXX XXXX XX/XX/XXXX XXXX I received a credit report from you, and I noticed that there are some companies on it that I don't recognize. It looks like they put an inquiry on my file without my knowledge, but this shouldn't be possible unless it was something approved by me first. According to the U.S. Code of Federal Regulations, Title 15, Chapter 16, Section 604, all users of credit reports must have a permitted purpose in order to obtain them. So, can you please remove these inquiries from my report or provide me with documentation proving that they should be on there? XXXX XXXX XX/XX/XXXX XXXX Some companies are looking for my personal information, and one of them showed up on my credit report. I'm not familiar with this company, but it looks like they made an inquiry without getting my permission first. This isn't possible unless they had a permissible purpose according to U.S Code & 1681 es seq section 604, which states all users must have a permissible purpose when using consumer reports. Please remove this or send documentation proving how we can use these types of inquiries accordingly. XXXX XXXX XX/XX/XXXX XXXX I am writing to you because there is an unauthorized credit inquiry on my credit report. I dispute this inquiry and would like it removed from my credit report. I would also appreciate if you could update me on your findings within 30 days. This unapproved inquiry is harming my ability to obtain new credit. Sincerely As a consumer, I have listed the concerns about your reporting in this document. It is not complete and does not meet applicable standards because according to law you are required for both FCRAs as well as XXXX XXXX compliance which must be done truthfully with correct information being provided timely so that none of my rights are violated XXXX XXXX XXXX Please send your written response to my address of XXXX XXXX XXXX XXXX, XXXX, TX XXXX I am aware that you have been sending out form letters in response to many of the disputes and challenges that consumers have submitted, regardless of the specific information that they have provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 751XX
Submitted Via: Web
Date Sent: 2023-12-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A