Date Received: 2023-10-26
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 am waiting for my phone records to give specific dates, as BOA indicated that our conversations were recorded. I am doubtful if the conversations concerning my attempts to stop these charges, where we changed my credit card number numerous times ( the representative indicated that this would stop charges, but it was not true ), or the representative telling me that there was no way for BOA to stop the charges paid in advance for the upcoming year, or offering to put a lock on my limit would be available by request. I am not hopeful that this complaint will do much against financial powerhouses that targeted two states in the union and met with political officials to create a loophole to avoid usury laws being held accountable. The deck was already stacked in their favor, but unsavory business practices were underhanded and particularly heinous during a world shutdown. Firstly, I was in good standing before the pandemic. That is mostly due to my husband paying the bills and knowing how the system works. I had gainful employment. The tides were changing as my father was actively XXXX, but we could escape our issues. I made the mistake of paying credit cards early and was outside my billing cycle as my husband used to pay the bills but, around the pandemic, went too XXXX to pay the bills. I am not denying that I owe BOA money, but I am frustrated that the limit was breached due to continued reoccurring charges as I paid upfront by the year and had no power to stop these charges. The only way I could get the XXXX to stop was to halt all payments. Miraculously, BOA suddenly had the authority to stop paying these companies after I stopped making payments. I felt powerless to change the sequence of events as my credit card company seemed to be in a position that violated fiduciary of some kind. I do not hold companies liable as they did not represent me. During the pandemic, I tried to call Bank of America and have reoccurring fees stopped from charging my card in the future. The bank representative told me that I would have to get ahold of the companies and have the charges stopped and that there was no way for BOA to stop these charges. I tried to explain that I paid by the year, and these charges were for a year in advance services. I asked the representative at Bank of America why I could not have BOA stop the charges as the charges were going above and beyond my limit, and I was not able to work during the pandemic ; the bank wanted me to dispute the charges but the first year of pandemic I tried to explain that the companies that I worked with were good and I did not want to dispute the year before as this was unprecedented times and just wanted going forward for no other charges to be charged as I thought paying a year in advance would be enough to bypass whatever ridiculous rule they had that would render me powerless. In contrast, the companies and BOA profited, and I had no control over intercepting, yet I am liable for the payments. I tried further to plead my case with the representative at BOA, asking if BOA represented me or how this worked. I asked how a company can, during a pandemic, keep charging, and I do not have the power to stop, especially on upfront charges. The representative indicated that she could lock my limit, and I said, " XXXX, that is literally the definition of the word limit. When I asked for a manager, I was directed to another person, but when I found no solution, I asked for an escalation person, and the representative told me she was the last line of defense. I think I have been harmed as I should have been able to call and have these charges stopped, especially during a pandemic when most companies were short. Access was minimal, as indicated by the numerous recordings concerning the companies involved. I should have been able to call my bank and have the charges for my future use stopped.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: UT
Zip: 84790
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: YOUR COMPLAINT Since XXXX, I have been building back my life when Bank of America included many fees that ultimately affect my savings and checking and deleted my account before hand to hide the evidence I had over {$200000.00} put into Bank of America which I regret because of the decease of funds I lost my home, children and well-being. I opened an account with Bank of America in XXXX and in XXXX over the course of being with Bank of America my funds dropped due to fees. I tried to dispute the issue with Bank of America but they did nothing to find a resolution with the matter. XXXX years later, I tried again to talk to a represent and I was informed by Bank of America would handle it by getting this issue fixed with the CFPB which they did not do. I called CFPB on XX/XX/XXXX and was informed by the cfp. nothing was done by Bank of America. I even just found out I was supposed to have a gold XXXX XXXX card through legal zoom and a money card that I never received nor knew about because of this constant distraction that has ruined my life and sent me through a dark XXXX ......
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21217
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with fraud alerts or security freezes
Subissue:
Consumer Complaint: On XX/XX/21 Bank of America froze my checking account with no answer they would just tell me it was under reviewed after a year later I was told it was closed due to me having a lot of incoming money and were was my money coming from and who ever send me money they were sending them the money ( they never did ) some money was from my husbands card to mine and they never gave it to him either and me and my husband went to Bank of America they would check my account and would always say its under investigation and gave me a phone number I would call and I would get answers like the will let me know and never did I called XXXX XXXX for about a XXXX or more. I asked about an account that was under my daughters name and mine and it was child support money that they said would give back and never did Bank of America kept all that and I would ask how is my account fraud? And they said it is and then even told me why my husband would use my card if he wasnt authorized I told them at that time we would put money in there he didnt have an account and we were married that if I was accepting his transaction why did it matter? They just said it wasnt under his name. So Im not sure how this account ever was fraud and why did it matter the incoming transactions I had if I told them it was for classic cars my husband had sold and were doing payments every month so it doesnt make sense how its fraud?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95351
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: While on unemployment, during 2020, I received a deposit only account from Bank of America, which was the only option to receive my money. During this time, most of the branch locations were closed because of the pandemic. Oftentimes the ATM machines were completely out of money. This caused me to use out of network ATM machines incurring finance charges, but it also had another effect. Everytime I withdrew money, my account was locked for XXXX business days pending a fraud investigation. I called the XXXX department approximately XXXX times, every time they assured me that it wouldn't happen again. At XXXX point my account was locked for over XXXX weeks. I set up another account with XXXX Bank, and had my money transferred to it automatically but encountered the same problem. This forced me to take cash advances from my card, costing as much as XXXX dollars per transaction, but I had no other way to access my funds. Upon contacting Bank of America, I received a response from XXXX XXXX, who according to my research was formerly fired from XXXX Bank for fraud. And she's my resolution XXXX??
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85705
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-27
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: This is a written request that you investigate specific items that I believe to be reported in error. I am the person making this complaint & I give CFPB authority to investigate this claim. These items are not correct and are causing me financial and emotional distress because of their derogative nature. The following items must be updated : XXXX XXXX XXXX XXXX .... - Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
Submitted Via: Web
Date Sent: 2023-10-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-26
Issue: Problem with a company's investigation into an existing problem
Subissue: Problem with personal statement of dispute
Consumer Complaint: XXXX has has changed my report every XXXX to XXXX on the same days on the same issues causing my credit score to drop over XXXX points every XXXX days. Bank of America originally reported to XXXX in the beginning of XX/XX/2023 that my credit cards were closed they should be able to go back into my account and see this.1 ) They are now reporting that my accounts were closed in XX/XX/2023. They need to go back to the Original Date thaXXXX Bank of America first Reported my accounts Closed in XX/XX/2023. XXXX ) XXXX has my complete payment history available for the whole world to see. This is an invasion of my privacy rights. They are able to keep thing confidential and this is something that should be confidential. They reveal very private info to defame my character in a particular way. BOA is providing Fraudulent information to the Credit Bureau about when my account was closed after I contacted the CFPB and XXXX is helping cover it up. I want All my Private Payments History Removed from XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, and XXXX. Every time I disputed what XXXX reported they dropped my credit score on the same thing that they had already dropped it previously about. As you can multiple disputes for XXXX, BOA, XXXX XXXX and XXXX. XXXX would go back into the same problem and lower my score for the same thing multiple times but never correcting their Errors made. XXXX ) I want All of my Personal payment history to be Removed and kept Confidential on All Accounts. XXXX ) I want XXXX to Correct the Original Date BOA Reported my account closed or I will seek an Attorney for Legal Assistance. XXXX ) I want my credit score to be Adjusted back to my previous score of XXXX in the Beginning of XXXX. XXXX ) I want ALL Negative Reports Removed from From XXXX for Bank of America, XXXX, XXXX, XXXX XXXX, XXXX and All that was effected by the chain reaction of this event. BOA caused my credit score to drop and my other credit card companys dropped my credit line balance because my score dropped suddenly over XXXX points. This is my Life at State Here. XXXX ) I want a Letter of Apology sent to me for the multiple errors and the man handling of my accounts. Bank of America dropped my credit line down to my balance owed after I pulled money out of my account to pay for my hospital bills, out of pocket charges for my medical insurance and copayments. I have been dealing with a medical condition for the past XXXX yrs while still keeping Good standing with All of my card carriers untiXXXX XXXX jumped the Gun. I havent received any information from BOA I found out that they closed my accounts through my credit monitoring service and I contacted them and they confirmed my accounts closed in XXXX. XXXX ) I want a Letter of Apology for the Errors made against me and Fraudulent accusations that I stopped making payments in XXXX when I couldnt because BOA Closed Both of my Credit cards. I want BOA to have All Their records restricted from XXXX starting from XX/XX/2023 to the present date. XXXX ) I want Bank of America XXXX XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX XXXX back to XXXX at the end of XX/XX/2023. This was BOA XXXX and XXXX. XXXX ) I was a loyal customer to Bank of America for 14 years and this is how they handled me in my time of Hardship. Bank of America needs to Correct this problem ASAP. If XXXX never received information from Bank of America about my credit line was lowed or revoked and the my accounts were Closed by BOA until this month of XX/XX/2023. Explain what caused XXXX to drop my XXXX XXXX over XXXX points in XXXX weeks by their XXXX XXXX procedures. I want documentation of their credit score procedures dealing with accounts reported as revoked and closed vs accounts reported as delinquent. I am sure there is a scoring difference between the two. And as Evidence how my score plummeted in XXXX from BOA. I stopped making payments in XXXX because BOA had Closed my credit cards and and sent my account to collections to negotiate a payoff. Only After Bank of America made their horrific mistake I looked for assistance. From XX/XX/XXXX to XX/XX/2023 my credit score went from XXXX to XXXX which disqualified me for Loan consolidations services. BOA also reported me as filing Bankruptcy. When I never told them I filed that. I filed a National Debt Relief Plan XXXX XXXX XXXXXXXX Put in place by President XXXX as a type of loan relief for credit card interest sky rocketing. I have filed Multiple Disputes with XXXX about the Fair Credit Reporting in which BOA and XXXX are violating my rights. A ) Inaccuracies must be corrected or removed If you have found inaccuracies and disputed them to the consumer reporting agency, they must either correct the inaccuracy or remove it within 30 days XXXX did not remove the inaccurate information they in return take my score down because of the multiple people touching my account. Bank of America is Fraudulently Reporting the Close Date as of XX/XX/2023. They originally reported it as XX/XX/2023 and this needs to be corrected. XXXX has the supporting documentation of the closed date as XX/XX/2023. You XXXX seek damages you have the right to sue a consumer reporting agency and, in some cases, the person that used the consumer reporting agency that violates the FCRA. If this can not be resolved this time I will seek legal advice and assistance to take actions. XXXX and Bank of America are reporting Fraudulently and providing changing information. I was never behind on my payments until Bank of America Closed my credit cards and sent my accounts to collections to for a payoff thats why BOA didnt get a payment in XXXX. BOA has missed up my life and my livelihood to provide for my family. XXXX and BOA are washing each others back while causing a single mother defamation and slander of my character. This is evidence in how many times they reposted my payment history attempting to paint a picture of me which is Bias and I may be racially motivated by the different people touching my account. BOA Customer Service Representative XXXX ID # XXXX confirmed Today XX/XX/2023 @ XXXX XXXX That Both of my credit cards were Closed on XX/XX/2023 my Birthday! All calls are recorded and documented. He transferred me to a Credit Analyst Representative XXXX ID # XXXX confirmed both card was Closed by BOA on XX/XX/2023 XXXX XXXXXXXX and XXXX XXXX. She has sent a copy of the original closed date letter to me from BOA Records. But Now Bank of America and XXXX have changed backlogs and Falsified information. If Bank of America Regulations cant Resolve this Fully by what is Requested. I will resubmit again once my Letters are received. Please be advised that today is XX/XX/2023 XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30012
Submitted Via: Web
Date Sent: 2023-10-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: YOUR COMPLAINT I wrote a check ( via XXXX XXXX account personal check ) and put it in the XXXX XXXX to be sent to XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX in the amount of {$5000.00}. The check reportedly never arrived at the XXXX and was never cashed by the XXXX. However, the check was cashed on XX/XX/XXXX at the Bank of America. I filed a report with XXXX XXXXXXXX XXXX XXXX XXXX which is when I found out that my XXXX had not received the money. I have a claim number with XXXX XXXX which I filed on XXXX XXXX XXXX. I have made multiple calls and inquiries as to where my money is to no avail. I tried to call Bank of America as well and they will not give me any information. They hung up on me on XX/XX/XXXX. I called XXXX XXXX again on XX/XX/XXXX and they asked me to get a declaration form started. I also contacted the PA department of banking, office of the Comptroller of the currency, and consumer financial protection bureau on that date.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15101
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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 noticed monthly XXXX charges hitting my Merrill Lynch credit card in the amount of {$59.00} after 4 months of getting hit wit these charges. I tried to phone XXXX to track why I was getting charged as I couldnt see an open membership account with them although I had done business with this merchant before. The rep offered no information or assistance so I went to Merrill Lynch and asked for help in disputing the charges. The rep took all of my info, said it would be submitted. A while later, I receive a letter from Merrill asking me to author a letter to them detailing how I was a victim of identity theft. I phoned Merrill and said it was not id theft but a simple billing dispute. The rep said no problem, took all the info again via phone. 1-2 weeks later, I receive ANOTHER letter from Merrill asking me to essentially author another letter to them detailing all the info they already had received from me ( twice ). I tried to phone the number on the letter. The department said they were not the ones handling it, they kept sending me to another and another department, each time on hold for 2-30 minutes in the queue until they hung up on me eventually. I tried phoning over the course of 3 days, approx. 30 times and this occurred each time. My husband is experiencing EXACTLY the same with Merrill Lynch credit card dispute - letter, oh, wrong department, we don't handle, wait in queue, get hung up on. I just closed my account, I have lost {$240.00} in charges that they charged back to me that I had to pay to close out with them. There is something evil going on here.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94903
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: On XX/XX/2023 a total of {$1100.00} plus {$120.00} fee was held due to a legal order from XXXX On XX/XX/XXXX I received a Notice of Legal Order via email stating the funds were being held until the XXXX unless told otherwise at which point they would be sent to the XXXX. I dealt with the XXXX there was an error on their end I had to fax them some info in the meantime they released partial funds On XX/XX/XXXX partial funds in the amount of {$650.00} was returned back to my account. Everything was received and approved by the XXXX on Monday XX/XX/XXXX at which point the faxed to the bank to release the hold and return funds to me. I called the bank on this day to verify the received the fax the person I spoke to said yes they reversed the fee of {$120.00} and said it would take XXXX to return back to my account the remaining {$500.00} I called today XX/XX/XXXX to ask about the status of the credit back to my account at which point I was informed that the money ( {$500.00} ) was sent to the XXXX on XX/XX/XXXX. I have called them ( Bank of America ) 5 times today have been hung up on XXXX of those 5 times. I have been requesting the Notice of Legal Order to send that money to the XXXX BEFORE the XX/XX/XXXX deadline on their notice to me. They refuse to provide it saying they dont have to provide it for me the money has been sent to the XXXX and there is nothing they can do to credit my account that money. Im looking for some kind of accountability on why they did something without informing me and that goes against the notice I was given. I was rushing to get everything the XXXX was requesting within the time frame of XX/XX/XXXX based on the notice I received from the bank so why did they break their notice without informing me. Im just looking for a Legal Notice to send my money to the XXXX before the date on the Notice because the XXXX said they DID NOT provide that to them so who authorized the early transfer and why?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 79924
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-25
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: My complaint is with Bank of America, NA for its attempt to bully/force me to pay a merchant for incomplete dental work that left me permanently damaged. The merchant charged my Bank of America MasterCard. I was unable to resolve the issue with the merchant. I disputed the merchant 's charge twice with Bank of America. This is not my charge, as I did not approve it. Please see timeline below : XX/XX/XXXX - I opened a dispute with Bank of America for a credit card charge of {$2500.00} paid to The XXXX XXXX XXXX XXXXXXXX Business Office at XXXX XXXX ( XXXX ), for incomplete dental work that left me permanently damaged. Transaction Date : XX/XX/XXXX ; Post Date : XX/XX/XXXX ; Claim # XXXX XX/XX/XXXX - I received a letter from Bank of America requesting additional information to continue investigating the {$2500.00} disputed charge. I was also asked to sign and submit a form letter from Bank of America confirming that I was disputing the charge. The deadline to submit was XX/XX/XXXX. Case # XXXX XX/XX/XXXX - I sent a written response to Bank of America for requested additional information, via the internal customer portal, thus meeting the XX/XX/XXXX deadline. XX/XX/XXXX - I submitted another response to Bank of America regarding a statement from XXXX, dated XX/XX/XXXX, for a {$750.00} charge. XX/XX/XXXX - I received a letter from Bank of America stating that the investigation was complete and that they were unable to pursue my dispute further. XX/XX/XXXX - I called XXXX, XXXX XXXX XXXX XXXX XXXX ) and spoke with XXXX. I told him that I was damaged by the work performed at XXXX. He apologized and said the school would clear my account. XXXX told me he would have XXXX XXXX, Head of Business Office and Billing, contact me. XX/XX/XXXX - XXXX XXXX called. I told him that my dental work was incomplete and that I was damaged by services at XXXX XXXX l also informed him that XXXX said my account would be cleared. XXXX XXXX said he would reach out to XXXX. XX/XX/XXXX - I spoke again with XXXX in XXXX. I told him my account was not yet cleared and that I still had a balance of {$2500.00}. I also informed him that I was being treated locally for incomplete work done and damages performed at the XXXX clinic. He said he would reach out to XXXX XXXX. XX/XX/XXXX - I called XXXX XXXX. He claimed XXXX did not receive my {$2500.00}. At this point, it appeared I was getting the runaround. No attempts were made by XXXX XXXX XXXX XXXX XXXX XXXX to ever clear my account. XX/XX/XXXX - I reopened my dispute at Bank of America with XXXX Business office for charges of {$2500.00}. XX/XX/XXXX - Bank of America responded to my reopened dispute stating that they completed a re-evaluation of my credit card dispute and that their decision to decline my claim had not changed. From XX/XX/XXXX through XX/XX/XXXX, I called Bank of America several times pleading my case. I asked them to remove themselves from the case, as I felt that I would have a better chance of getting a resolution by XXXX. My efforts were to no avail. Again, this is not my charge, as I did not approve it. I believe that Bank of America acted on its own by paying XXXX Business Office on my behalf for incomplete dental work that left me permanently damaged. XX/XX/XXXX - Bank of America charged off my account. Prior to and since, I received several phone calls and letters in an attempt to collect. I recently discovered that Bank of America has filed a law suit against me for the amount of {$2900.00} I had an excellent, long-standing relationship with Bank of America prior to this incident. My credit score was in the XXXX, and I always paid off my credit card balance each month. I was a great customer!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30078
Submitted Via: Web
Date Sent: 2023-10-25
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A