Date Received: 2023-11-02
Issue: Incorrect information on your report
Subissue: Account status incorrect
Consumer Complaint: In accordance with the fair credit reporting act convergent Account close # XXXX, bank of america and XXXX bank delaware has violated my rights. XXXX5 U.S.C 1681 section A. States I Have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not whithout my written instructions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 338XX
Submitted Via: Web
Date Sent: 2023-11-08
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit planas late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy 15 USC 1681 section 6 o 4 A section 2 it also states consumer reporting agency can not furnish an account without my written instructions, under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 331XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Bank of America constantly markets their credits cards to me and my husband. We live in the XXXX XXXX XXXX XXXX. I finally decided to apply and was approved for a Bank of America ( BOA ) credit card. After receiving the card, I made XXXX purchases, one of which was to XXXX XXXX that was flagged for a fraud alert. I followed the procedure to call the fraud unit of BOA and answered several questions and the charge was allowed to go through. Three days ago, I tried to make another purchase from XXXX XXXX and it was flagged for a fraud alert. This time, after calling, I was advised that in order to allow me to use the credit card, I would have to physically go into a Bank of America location with two forms of ID. There are NO BOA locations in XXXX which is XXXX XXXX in the middle of the XXXX XXXX XXXX. The closest XXXX state is Hawaii which is over XXXX miles away and only accessible by plane or boat. I am being discriminated against to use this credit card because BOA does not have an alternative way to validate my identity. I have used other credit cards where I can send video and picture of my ID to validate my identity. BOA refuses to accept anything other than physically walking into a branch. I will sue them it they do not resolve this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GU
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: {$100.00} XXXX transfer to XXXX XXXX was scam XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX XX/XX/2023 {$500.00} XXXX transfer to XXXX XXXX scam on XX/XX/2023 {$450.00} XXXX to XXXX scam on XX/XX/2023
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07050
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-11-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: I used my debit card on a website roughly XX/XX/XXXX. It was a scam and on the XXXX or so they started charging my debit card for over {$4000.00} on things like XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX reoccurring payments, etc over XXXX charges in a matter of hours. I called and had the card cancelled immediately. The phone attendant cancelled the card but failed to close the case. I spent XXXX hours in-person at a local bank location and they basically just called the same number I could call from my cell phone. Bank of America did stop many of the purchases before they could process, but there is still significant amount of charges that the bank has been investigating for two weeks. I received a email message yesterday that the bank reached a conclusion. The outcome of the investigation was that they would not pay for the more than {$3000.00} in remaining charges that were fraudulent. I called and spent over an hour today asking them to please reopen the investigation and to call me if there are any issues or questions. They were supposed to call me tonight to report on the outcome but did not. I have zero faith they are going to err in my favor given the terrible customer service Ive received thus far.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 223XX
Submitted Via: Web
Date Sent: 2023-11-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: False information on my consumer report
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 604XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Unauthorized transactions or other transaction problem
Subissue:
Consumer Complaint: I transferred money for my family from overseas on XX/XX/2023 by XXXX. The phone number I sent was the previous phone of my family member and I am not informed about the change of new phone number. I contacted several times to the recipient XXXX XXXX XXXX but she kept asking my ID and not return my money back. The XXXX XXXX Police Department advised not to release my ID or other information. Please review the documentation attached to this complaint and help my children. My XXXX kids are going to school and they depend only on me for daily living.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 911XX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: Back in XX/XX/2023, I submitted an online completed application to XXXX XXXX XXXX. On XX/XX/2023, I had visited the property in person ; and XXXX gave me a mini tour of the apartment unit. Upon submitting the application, I had to pay {$300.00}. ( See images ) {$50.00} Application Fee ( non refundable ) {$250.00} Administration Fee ( Refundable if not approved ). And at the very end, a surprising {$5.00} was added. By the week of XX/XX/2023, I was informed I was not approved. So, I requested a receipt of my {$250.00} refund. By XX/XX/2023, I received a call from XXXX ( I might be spelling her name wrong ). She called to confirm mailing address and disclosed the check number was # XXXX for {$250.00}. XXXX ( the owners of Luminous ) are located in XXXX. I'm in XXXX. It's been over two full weeks. No check has been placed in my XXXX XXXX. XXXX at the Post Office alleged on Friday, XX/XX/2023, they place my mail in my box as it arrives. In conclusion, I'm starting to think XXXX never mailed anything or the XXXX Employees are holding my mail or they placed my mail in the wrong box. Either way I'm entitled to my refund before the 30th business day. Therefore, at this point, it's best {$250.00} gets credited back straight into my personal checking account ; and we can cut the chase today. Please have XXXX, XXXX XXXX XXXX, credit my account. I called them twice asking for the tracking number, and nobody has called me back. XXXX XXXX XXXX XXXX : ( XXXX ) XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-11-02
Issue: Opening an account
Subissue: Unable to open an account
Consumer Complaint: Mulitple attempts to open account online on the bank of America website. Also tried by phone and got denied with no explanation.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: HI
Zip: 96816
Submitted Via: Web
Date Sent: 2023-11-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A