Date Received: 2023-11-30
Issue: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: I am writing to dispute inaccurate information that has been reported by settled accounts on my credit report. Upon reviewing my credit report, I have noticed discrepancies that need to be addressed promptly. I am concerned that this inaccurate reporting is negatively impacting my credit score and financial standing. BK OF AMER XXXX - There is a possibility that this information may be inaccurate. This must be removed immediately. Despite settling this account, the information reported inaccurately suggests otherwise. It is my understanding that settled accounts should reflect their accurate status on my credit report, and any discrepancy is not only misleading but also damaging to my creditworthiness. The terms of our settlement agreement clearly outlined that the account would be considered satisfied upon completion of the agreed-upon settlement amount. Therefore, I am puzzled as to why this information is not accurately reflected on my credit report.
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: 2023-11-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: BANK OF AMERICA ACCOUNT FOR {$46000.00} has been showing up on y credit report as CLOSED or CHARGED OFF. I have tried multiple times to dispute this charge, which is NOT MINE and have reported it as fraudulent and have provided police reports and documents to verify my identity to prove that this account was fraudulently opened under my name and have failed each time. This is not my account and XXXX refuses to properly investigate this matter and it is ruining my credit. Please remove.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33178
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: Information belongs to someone else
Consumer Complaint: On multiple instances i requested that XXXX XXXX, XXXX and bank of america provide documentation of the ways they identified the identity of the person claiming to be me. They not once have provided it. I request they take it off my credit report since they have not provided proof that the debt is mine and they have not. Ruining my credit and my life. This is unjust and absurd.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11209
Submitted Via: Web
Date Sent: 2023-11-30
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I made my mortgage payments, on time, from my other bank 's bill pay service, as I had been doing for years. The bill pay service mails out physical checks. The 2 most recent payments, for whatever reason, did not get posted. I notified the bill pay service, and they eventually credited me for the missing payments. I made payments to Bank of America from a different method, but by the time I was able to do this, it was 30 days past the due date and Bank of America reported the late payment to the credit bureaus. I provided Bank of America with proof of my on-time payments, and Bank of America does not dispute that I actually paid on time, but they refuse to correct the report because the payments did not get posted. Bank of America seems to want me to explain what happened to the missing payments, but I can only guess that they may have gotten lost in the mail, or lost by the payment processing office. These are all things out of my control. I can only control making the payments. Bank of America should not blame me for not posting the payment that I sent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01886
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-30
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: XX/XX/XXXX Hard Inquiry, I don't recognize XX/XX/XXXX Hard Inquiry, I don't recognize
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28078
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: Returned product to XXXX XXXX XXXX on XX/XX/XXXX. Filed a dispute through Bank of America on XX/XX/XXXXXXXX after XXXX XXXX XXXX refused to give me my money back. They now have all product and my money. I have called B of A every other day since I filed the claim. I am told something different every time I call. I was told claim was denied that merchant is stating I never returned product. I refused to sign paper as they only wanted to credit me for 35 cases. B of A had told me 4 different times that they have requested refund from bank under a hardship clause and have expedited process and I would receive response and credit within 24-48 hours. They had me fax them my proof of purchase, XXXX payment to movers who loaded product on truck to return, sworn statement from mover confirming this was done, printed voicemail from XXXX on XX/XX/XXXX telling me to come back and pick up product that they had taken back, police report. B of A told me as soon as I faxed them these documents that was all they needed to process my credit if {$5400.00}. I faxed them every document they requested on XX/XX/XXXXXXXX and XX/XX/XXXXXXXX from B of A branch on XXXX and XXXX in city of XXXX CA at XXXX As of today XX/XX/XXXXXXXX I have not received any response or refund as promised. I have not been contacted by B of A since XX/XX/XXXX. When I call they tell me to check to online message center that has not been updated since XX/XX/XXXX. I have received no written response or have not been contacted by B of A since this all started on XX/XX/XXXX. Neither a hardship or expedited action had been taken and because they wont refund or issue any kind of credit I am facing eviction from my home on XX/XX/XXXX. I have explained this to them and what a desperate situation I am in and have begged and pleaded for their help with this situation and the only response I have gotten when I call is straight out lies from employees, wrong information and XXXX response from manager that is supposedly reviewing my case. The management dept, I am told, is not reachable by phone or email and agents are not allowed to contact them and that I just need to wait until I hear from them, but in the meantime I should keep checking my accounts for a refund that I now know is not coming. I have based life changing decisions off of what I have been told only to find out that I have been misinformed and flat out lied to. I am XXXX, this is all the money I have in the world and am facing losing everything. I have explained this every time I have called with XXXX response and now Im out of time. Im going to lose everything and end up homeless
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92867
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: Today, I received a call from Bank of America executives or whatever. The first one, XXXX at XXXX and XXXX. And other one was by XXXX at XXXX. I had the trouble with my phone voicemail and its function was changed. And I could see the 'virtual voicemail. ' And voicemail numbers were different above-mentioned numbers. Anyway, the first two were shown 'unknown ' at voicemail and called from XXXX XXXX or whoever, regarding the claim letter which did not have the claim number. She said her number XXXX. And the last one was called herself executive dispute something, XXXX XXXX ' I remember I had a call from XXXX before, but this XXXX was much younger than today 's XXXX XXXX from the voices. And XXXX XXXX kindly mentioned claim number XXXX, which was relating with XXXX XXXX XXXX XXXX and the issue price was {$0.00}. And this 'XXXX ' told her phone number XXXX. The voicemail indicated XXXX, which was same as caller ID. Since all phone number indicated did not match at all, I do not want to contact with them.
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: 2023-11-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-28
Issue: Credit monitoring or identity theft protection services
Subissue: Didn't receive services that were advertised
Consumer Complaint: Someone stole my information and open a bank of American credit card. I wasnt never notified from Bank of America about that credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10467
Submitted Via: Web
Date Sent: 2023-11-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I was paid in a check from " XXXX XXXX '' on XX/XX/23. I cashed the check IN PERSON at a Bank of America Branch in XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/23. The check total was {$500.00}. On XX/XX/23 there was a debit reversal for the full check amount of {$500.00} stating there was a duplicate deposit. That is impossible, as the check was cashed, not deposited. BoA stated that the check was cashed on XX/XX/23 and then renegotiated at XXXX XXXX XXXX XXXX on XX/XX/23. I do not have an account with XXXX XXXX XXXX XXXX, nor was I given the check back after it was cashed. BoA has now refused to continue their fraud claim as they insist that I ( the customer ) have to reach out to the company that paid me back in XXXX to reissue a new check. BoA has stolen {$500.00} from me, closed all cases, and refuses to help get my money back.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 061XX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-29
Issue: Fraud or scam
Subissue:
Consumer Complaint: Nature of the dispute -- -- -- -- -- -- -- -- -- -- - I had 2 accounts in Bank of America - Checking Account and Savings Account. As I have been staying outside USA for more than 5 years now, I called up the Bank of America from XXXX and requested to close these accounts ( attached is the email confirming closure of these accounts from Bank Of America ). On call, they had stated that, they will mail me the cashier cheques to the address they have on their file ( Address in XXXX ). However, even after multiple follow ups and more than 8 months, I still did not receive the cashier cheques. Date of the Transaction -- -- -- -- -- -- -- -- -- -- -- - Date on which account was closed - XX/XX/2023 ( as per the email I received ) Amount of money I deposited in my accounts and Bank of America promised to send me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- Amount which was in my Checking account - ( when being closed )- {$1500.00} Amount which was in my Savings account - ( when being closed )- {$500.00} What the Business committed to provide me -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- - Cashier cheques worth the money noted above for both the accounts. Whether or not business has tried to resolve the problem -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I had contacted the Bank multiple times to follow up on the issual of cashier cheques- XX/XX/2023 ( raised service request tkt # - XXXX ), XX/XX/2023 ( Raised CASE ID XXXX ), XX/XX/2023, XX/XX/2023, XX/XX/2023, XX/XX/2023. Each time the call is made, even though it appears that they are trying to resolve the issue, the cachier cheques never reached me. Each time I made the follow up call, they told me they are cancelling my already issued cheques and re-issuing again. It will reach me after XXXX business days since its foreign address ( address in XXXX ). This number of days ( XXXX ) or ( XXXX ) changes depending on the person I get to speak with. As of the latest calls made on XX/XX/XXXX and XX/XX/XXXX, bank has not been responding after listening to my details over call. I have been kept on hold for abuot XXXX minutes without any acknowledgement or response from the other end post which I had to drop the call myself. Account\Order\Tracking Number -- -- -- -- -- -- -- -- -- -- -- -- -- -- - They never shared any tracking number with me as they told cheques would be sent via XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State:
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-29
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A