Date Received: 2023-11-28
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to formally dispute the inaccurate reporting of late payments on my credit report, which is adversely affecting my creditworthiness. After a thorough review of my credit report from, I have identified discrepancies related to late payments that are not reflective of my actual payment history. BK OF AMER XXXX - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. I am deeply concerned about the impact of these inaccuracies on my credit score and overall financial credibility. The reported late payments are not consistent with my payment history, and I believe they are tarnishing my credit report unjustly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90069
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
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: In XXXX, I filed a credit card chargeback to BoA against my stay at a certain hotel back in XXXX, and my claim was denied. I called BoA on XX/XX/XXXX to clarify the situation. The fact is that the hotel may have been illegally evading taxes, and their practice would be refusing to release the folio, which outlines the costs I have incurred of my entire hotel stay. I had to file a chargeback, because the hotel had charged me what I felt was an unreasonably high amount, and I had no information regarding my costs in an itemized statement. In my phone call, I explained to BoA that the document I received was something that I had not seen before. It was mailed to me in the letter saying my claim was denied. I told the representative that I disagreed with some of the charges, to which he said he could do nothing for me. I also told the representative that the document had a date of XX/XX/XXXX, which meant that it was fabricated after my hotel stay. I suggested to him that isn't it fraud to make unauthorized charges? That was how I felt because I didn't agree to the charges. I also suggested how fraudsters can take advantage by making arbitrary fees that I didn't agree with. The representative would not help me because he wanted proof that the charges were invalid. This alarmed, stunned, and made me furious. The burden of proof should lie with the merchant, because I am the one making the claim. The representative refused to help me. Although I can not determine definitively whether he was lazy or incompetent, I am making this complaint because I did not like the way I was treated by BoA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/2023, I placed a small online grocery order with XXXX XXXX with a final total of {$49.00}. When the XXXX driver, XXXX, arrived with my 6 items in a single bag, she alerted me to the fact that the cashier also charged me for another customer 's order by mistake. I didn't know the amount of the transaction at that time ( {$180.00} ) since the receipt I was sent via email only showed the {$49.00}, but I was optimistic that it would be resolved. Unfortunately, that was not the case. After a few days, the charge was still there. So, on XX/XX/XXXX, I called XXXX XXXX and opened case # XXXX. I explained the situation and they said it would be resolved in approximately 7 business days. When that time passed, I saw it was still not resolved so I disputed the transaction with my bank ( Bank of America ). I provided a copy of the email receipt showing the {$49.00}, and I awaited their decision. When I checked the status via the B of A mobile app message center, it said the case was resolved. Then, on the evening of XX/XX/XXXX, I opened a letter including a copy of a receipt for {$180.00} and case notes stating that XXXX XXXX disputed my dispute, and that I authorized the transaction -- which was false. Next, I called XXXX at XXXX on XX/XX/2023 at XXXX PST to confirm what their records reflect, as they are the company that delivered my items. They confirmed that I did not receive or order items other than the {$49.00} worth of items I actually ordered. After my call to XXXX, it occurred to me that the entire discussion with the delivery driver on XX/XX/XXXX was captured by my XXXX camera doorbell! So, after locating the footage, I sent a link including my ring camera footage to B of A 's XXXX ( XXXX ) Help page last night -- along with a full explanation of what occurred and that XXXX XXXX is incorrect. In that message, I also implored them to please review the XXXX camera footage and/or reach out to XXXX, as my account with them confirms that I am not responsible for the charges XXXX XXXX is attempting to hold me accountable for. I further added that XXXX XXXX uses XXXX to fulfill and deliver their groceries. Therefore, XXXX can also assist with tracking down the person who owes the {$180.00}, and who did receive 43 items on XX/XX/XXXX, which is the day when I only ordered and received 6 items. XXXX, the driver on my ring camera footage, was the same driver who delivered my order to my home, and the large order to the other customer 's home. In my private XXXX message to B of A, I added that I would follow up via phone, to confirm my correspondence had been received, as I am concerned that this will impact the available funds in my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98270
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: XXXX XXXX We are in receipt of your attached letter that was forwarded to us from Bank of America. The partnership with Bank of America was dissolved and XXXX was assigned your merchant processing account in XXXX. Bank of America would have communicated in the spring of XXXX the changes and reassignment of your account. Please contact Bank of America to request a copy of the letter. I have attached copies of your XXXX and XX/XX/XXXX merchant statements at which time you can see the transition took place as your monthly statements changed from Bank of America to XXXX. I can not address the bank policies regarding large debits however I can explain the debits we made to your account. Please review your XXXX and XX/XX/XXXX statements, also attached. In XX/XX/XXXX your account received a chargeback stating the transaction of {$10000.00} was fraud/unauthorized. Please see the chargeback documentation attached. Per your account set up, chargebacks are emailed. There is no recourse through the card brands. If you believe this is a valid charge you would need to contact your customer/cardholder to resolve. I see no further chargebacks during this time frame. If you received additional chargebacks, please specify date, amount, and chargeback number if available.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60629
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Fees or interest
Subissue: Unexpected increase in interest rate
Consumer Complaint: I recently made a purchase on a credit card I have had for many years and maintain for credit purposes. I made the purchase so Bank of America would not close one of my oldest credit cards due to non-use ( it's been a couple of years since I used it ). When I went to pay the balance online I was unable to discern my interest rate from the online account. I believe this alone is a problem. It should not be a maze for a consumer to identify the interest rate for their credit card. I wanted to make sure it was still a low interest rate ( around 9 % ) before I started utilizing the card more regularly. I looked at old notices in the documents section of my online account, and it appeared that it had not increased based on that list of documents. Since I had not utilized the card for a while until recently, I was not yet able to generate an account statement. I called the customer service number to validate my interest rate remained around 9 %. After waiting on hold for 90 minutes, I spoke with a representative that said my interest rate had in fact been increased to around 15 %. I asked whether the company had notified me in writing. She said the bank is allowed to adjust my interest rate. I asked whether the bank had sent me a notice of the change. She said interest rates may be viewed by generating an online statement. I noted that I was not yet able to generate a statement ( my recent purchase was too recent for a statement to have been generated ). She said it would show up in a statement forthcoming. I asked if she agreed then that I had not been notified in advance of this change and she agreed. I asked her to note the content of our conversation in my account notes. I believe that I should have received 45 day advance notification of this interest rate change. Am I correct? If not, could you please explain.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48105
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I was notified through my email that I was signed up for online banking through bank of america. I do not have an account with Bank of America and called their Fraud line. The account was An Application for a checking account using my maiden name. The application was flagged for their review. And I placed a freeze through the check 's system.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 17602
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Trouble using the card
Subissue: Problem using the card to withdraw money from an ATM
Consumer Complaint: On XX/XX/XXXX I visited Bank of America on XXXX XXXX XXXX, XXXX, NJ to withdraw {$2700.00}. I was helped by a teller named XXXX who consulted with his superior, XXXX. After speaking with XXXX, XXXX told me I needed to go to an ATM to withdraw my money. I informed him of the ATM limit of {$1000.00} and I asked to speak with XXXX. I informed XXXX of the ATM limit and that I needed to withdraw the money because my employer will no longer be banking with Bank of America. XXXX said I can withdraw a maximum of {$1500.00} because I do not have an account with Bank of America. I withdrew {$1400.00} so I can withdraw my remaining balance from an ATM. My complaint is : I believe Bank of America withheld my money arbitrarily and against the customer agreement by trying to turn me away to an ATM and then imposing a maximum I can withdraw from my money that is deposited in their bank. Regulation E is inconsistent with banks arbitrarily withholding and arbitrarily conditioning people 's deposits.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 08817
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: If I already paid, they should delete it from my history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21213
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: On XX/XX/XXXX, I've made an agreement with Bank of American to pay off my debt in XXXX installments of {$68000.00} to be paid in XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, however Bank of America listed me as delinquent because my payment was 30 days late and my last payment was on XX/XX/XXXX of {$100.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11358
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: An incident occurred on XX/XX/XXXX, my Bank Of America debit card was lost/stolen and wrongfully used, and multiple fraudulent transactions were charged to my bank account using the debit card without my knowledge totaling {$2700.00}. I contacted the bank on XX/XX/XXXX to file unauthorized transactions. Throughout the process, I contacted the bank. XXXX to ask for an update regarding my investigation. They advised me that the claim was closed and denied without reason given to me. They explain to me that they don't have any information for me. I am a victim of fraud, and this is the type of treatment I get from this bank and this is how they treat their customers. I asked the bank that I wish to appeal that decision. They told me that I have to fax in a letter with my own words giving them a good reason as to why I feel their decision was wrong, and also attach a Police Report and CFPB report. So that way they can reopen their investigation, and look into my case. Further, I have never had to deal with this type of incompetence and lack of care for its customers like BOA when it comes to banking. Thank you to those who took the time to read this and contact the bank on my behalf it really means a lot I don't know how these companies go overboard without any repercussion or discipline and do not care for the people through these trying times.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91766
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A