Date Received: 2023-10-23
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33713
Submitted Via: Web
Date Sent: 2023-10-23
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Other transaction problem
Subissue:
Consumer Complaint: Identity theft or some other transfer problem and defamatory statements, blacklisted blocked persecuted ilegally retaliated Asked for investigations ... .many witnesses .... My paycheck is not coming in, fully paid, trusted funds .... And also my credit card ... no proper credit line and frauds not reimbursed...
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: Fraud services ... disputes not resolved since XX/XX/2023 Also, wrong credit limit... it is higher ... wrong APR ... rewards not given properly .... Reported to abuse email, bank of America XXXX at XXXX XXXX Texas branch, blacklisted blocked persecuted ilegally restricted victimized forgery Also car loan .... identity theft ... XXXXXXXX XXXX XXXX ... XXXXinvestigated..no solution Not able to attach police reports, XXXX and FTC report is XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I have been a victim of identity theft. someone have mv information and stealing money from my Bank of America account since XX/XX/XXXX and done the same thing again on XX/XX/XXXX I would like to press charges. This is harassment and I've been depressed they taken XXXX from my account Ive have the list of transaction plus claim number to help identify. XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX - XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX Claim number XXXX XXXX XX/XX/XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91710
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Struggling to pay your bill
Subissue: Credit card company won't work with you while you're going through financial hardship
Consumer Complaint: It's still the same issue with Bank of America. They never helped me solve the situation. I already opened a complaint about them because of the way I was mistreated by their customer service. XXXX XXXX called me to help me with the issue and gave me a number to call. I called the number and they said they could do anything about my situation. I've called back to number XXXX extension XXXX and left a message to XXXX XXXX XXXX times and she never got back to me! So, still no help or effort from Bank of America to help me with my Financial issue, even me making much efforts to fix my debts with them. they really don't care!
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: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Bank of America sent an escrow overpayment of {$3000.00} to XXXX XXXX on XX/XX/2019. The payment was not applied to my account with XXXX XXXX, instead it was applied to an incorrect account. I have contacted Bank of America multiple times since XX/XX/2019 to retrieve my money back from XXXX XXXX, but Bank of America has failed to do it. Bank of America claims XXXX XXXX is telling it no overpayment is due on this account, but when I go to XXXX XXXX, the city is telling me Bank of America 's money was applied to the wrong property 's account. XXXX XXXX refused to share information with me, advising me to go back to Bank of America and file a claim for overpayment to retrieve the money. However, Bank of America claims they have made many attempts and XXXX XXXX is telling them there is no overpayment. I am out of {$3000.00}. Bank of America keeps referring me to XXXX XXXX, and the city is referring me back to the bank, stating that it is not my account so it can not provide documentation to me since XX/XX/2019. There were no overdue bills with the XXXX XXXX XXXXXXXX that required Bank of America to send a payment on my escrow account. Please assist me in retrieving my money from the XXXX XXXX XXXXXXXX through Bank of America. The relevant mortgage account number is : XXXX The relevant property address is : XXXX XXXX XXXX, XXXX, MD, XXXX My XXXX XXXX customer account number is : 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: VA
Zip: 22042
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XXXX XXXX I made a deposit to my checking account from XXXXXXXX XXXX which is one of my incomes as a XXXX XXXX in Texas that amount was {$28.00}, then my Father sent me {$700.00} to be exact via XXXX through the Bank of America app and the purpose of him sending me that money was for school because I had a deadline for a specific course then I deposit another {$16.00} that was sent from my brother on XXXX. The VERY next few hours not even one day later {$660.00} was withdrawn from my account with no authorization from me the only account holder to my checking account and there was no message indicating my account was going to be charged I did not owe any money as I called the company 10 times today and they confirmed I didnt owe anything but now I got to wait until Monday to speak to the representative from that specific branch which was XXXX XXXX . There never should have been a withdrawal from my account because this was money sent over from a family and my income combined. I was going to wait until the next day to take my money and use it for my education but now Bank of America has made things very difficult for me to even access my money that they took with no authority
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75093
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Fraud or scam
Subissue:
Consumer Complaint: Contacted on XXXX by scammer on or about XX/XX/2022 ( XXXX XXXX ). Continued to have an ongoing online relationship for months. Scammer requested assistance paying for bills and needed money. Multiple transactions were processed by wire transfer and via XXXX totaling around {$100000.00} USD.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07753
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
Issue: Struggling to pay mortgage
Subissue: Trying to communicate with the company to fix an issue related to modification, forbe
Consumer Complaint: This complaint is a follow up to my earlier CFPB complaints number XXXX filed XX/XX/2023 and complaint number XXXX filed XX/XX/2023. The complaint is about BOA predatory action towards my request for a loan modification coupled with a flagrant abuse of discretion by the modification department and total disregard to their responsibilities to assist homeowners and facilitate the modification process. Please refer to what I wrote in my prior complaints to get the full picture of my struggle with BOA. This complaint is specifically about BOA continued predatory, intimidating and demeaning behavior to customers, I implore CFPB to assign legal council to review my situation, it is 100 % predatory and abuse of discretion. The last correspondence from BOA was yesterday before midnight as the always plan by design to email these notices on Friday 's. The context of the letter simply allude that have none of the information I submitted for the 120 days and consist of 55 separate submission via XXXX that I paid for, each submission had multiple documents, statements etc ..., BOA XXXX XXXX ( Home loan team ) letter simply states that unfortunately they are no longer able to review my application for help with this home loan due to the followings ; Unable to verify income, employment and ownership of the property. Those reasons are totally erroneous, I have spoken with XXXX XXXX over 50 times and I sent her everything she asked for to her full satisfaction! What happened Now? I am attaching to this complaint most of the submissions for your legal council to review and intervene. What BOA is doing is illegal, intentionally predatory, abuse of discretion and disrespectful to their customer must read and examine my claim, it gives a very clear picture of the wrongdoings by BOA.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: DC
Zip: 20008
Submitted Via: Web
Date Sent: 2023-10-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-21
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: Bank of America honors charges from scam website : The website XXXX XXXX XXXX is a scam. The only number provided ( XXXX ) XXXX only accepts messages. The locations ( addresses on the website ) where I attempted to get this XXXX test for work are invalid and do not honor this company 's registration. Therefore, this bank needs to investigate this matter before accepting the excuses and participating in their scam.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A