Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the XXXX over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America XXXX XXXX VA XXXX # XXXX now we are told that XXXX is once again proclaimed to XXXX party of the property. Yet we have received only XXXX more notices of assignment changes and they are for BOFA MERRILL LYNCH XXXX XXXX, XXXX ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX We have irrefutable evidence that in 2006 our loan was paid in full by XXXX XXXX and was a resale exchange.Irene XXXX XXXX XXXX Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the XXXX credit bureaus since XXXX file examined by FOIA. The XXXX XXXX Department has taken our case and have assigned a XXXX involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-10-24
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: FIRST OF ALL ON XX/XX/23 I FOUND A MISTERIOUS DEPOSIT IN TO MY SAVINGS ACCOUNT 0F {$2500.00} THEN THAT SAME DEPOSIT WAS TRANSFERED FROM MY SAVINGS ACCT IN TO MY CHECKING ACCT, WHILE IM TRYING TO FIGURE OUT WHAT HAPPENED WITH THIS TRANSACTION THAT I DID NOT RECOGNIZE TWO DAYS LATER ON XX/XX/23 I FOUND SOME MORE MISTERIOUS TRANSACTIONS THAT I DID NOT RECOGNIZE NOR I APPROVED I FOUND ONE OF {$1000.00} AND ANOTHER OF {$80.00}. THAT WERE TRANSFERED FROM MY SAVINGS ACCOUNT TO MY CHECKING ACCOUNT. THEN ON MY CHECKING ACCOUNT THE SAME DAY I NOTICED THAT A PAYMENT OF {$3500.00} WAS MADE TO A XXXX XXXX IN XXXX MICHIGAN AND AN ATM WITHDRAWAL OF {$130.00}. NON-OF THOSE TRANSACTIONS DID I RECOGNIZE NOR I APPROVED. SUPPOSEDLY THEY SAY THEY SENT ME 4 NOTIFICATIONS TO MY PHONE NUMBER AND THAT I REPLIED OK TO APPROVE THE CHARGES HOWEVER I DO NOT HAVE ANY MESSAGES FROM BANK OF AMERICA THAT DAY NEITHER I HAVE SUCH MESSAGES ON MY PHONE RECORDS FROM MY CARRIER. 2 DAYS LATER AFTER CALLING BANK OF AMERICA TO FIND OUT ABOUT THIS CLAIM I WAS INFORMED BY THE BANK 'S REP ABOUT 3 FRAUDALENT CHECKS WITH AMOUNTS OF {$4500.00} EACH TOTALING {$13000.00} WRITTEN FROM A LADY IN NEW YORK WITH A XXXX BANK ACCT TO A PERSON WITH THE SAME NAME AS MINE, XXXX XXXX STATING THAT THE MONEY CAME OUT OF MY BANK ACCOUNT AND THEREFORE I OWE THAT MONEY TO BANK OF AMERICA. THIS 3 CHECKS THING SOUNDS VERY CONFUSING TO ME AND HONESTLY, I FEEL LIKE SOMEONE IN THE BANK MADE A MISTAKE AND IS TRYING TO COVER IT OR FIX IT OR THERE IS INTERNAL FRAUD FROM WITHING BANK OF AMERICA. THE FRAUD CLAIM OF {$3500.00} WAS ALREADY CLOSED BY BANK OF AMERICA SAYING THAT THEY WILL NOT PAY IT AND THE 3 CHECKS OF {$4500.00} EACH IS TAKING TOO LONG TO RESOLVE AND EVERY TIME I CALL THE BANK, THEY DONT HAVE ANY NEW INFORMATION OR THEY SEND ME TO THE WRONG DEPARTMENT OR I HAVE TO WAIT ON THE PHONE LINE 30 TO 45 MINUTES TO GET DISCONNECTED. I DON'T KNOW WHAT'S GOING ON WITH THEIR OWN INVESTIGATION THEY HAVE NOT SENT ME ANY EMALIS NOR CALL ME TO GIVE ME AN UPDATE. I FILED A POLICE REPORT ( REPORT # XXXX ) FROM THE XXXX ARIZONA POLICE DEPARTMENT AND XXXX XXXX XXXX ADVISED ME TO CONTACT THE CFPB AND THE FBIA AS WELL SPECIALLY SINCE IS BELIEVED THAT THIS IS A FRAUD WITHIN BANK OF AMERICA OR AN INTERNAL MISTAKE THAT ARE TRYING TO COVER.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85629
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: Date : XX/XX/2016. Amount : {$2500.00} My checking and savings account was close by bank of america and I did call they not telling me why my account was close, I have remaining balance of {$2500.00} in my saving account, I call the bank of america several time to let me go inside branch to receive a cashier check inside the branch immediately but they want me to wait all 5 days to get approved I really need to get my money, my money is in my savings account I need to get access to my money I need access to go inside a branch to get a my money inside branch I have hardship I will be home with my XXXX if I don't have access of remaining balance I my saving I have ret due
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33614
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Bank of America XXXX XXXX. Cashiers Check Lost in Mail! Would like someone to call me and reach out. My purse was stolen. Shortly thereafter, I received a letter in late XX/XX/2023, stating my account had been closed due to suspicious activity. I understood. I had a little over {$4900.00} in the account. A check was to be mailed XXXX XXXX XXXX. It has yet to reach me. Im moving and need my money. I called Bank of America, spoke to XXXX in fraud, very helpful. I went to the bank, they researched the check had supposedly been sent XX/XX/2023. I have yet to receive it. That is all the money I had in the bank. I need it to be overnighted and I will remove this negative comment afterwards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48170
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fraud or scam
Subissue:
Consumer Complaint: I fell victim to a multi-layered scam operation run by an XXXX XXXX who wanted to learn more about American culture ( XXXX XXXX ) which involved me making deposits for a total amount of XXXX USD from my BOA account to fraudulent investment firm ( s ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75050
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I deposited a u s treasury department check into my bank of america ATM.on tuesday XXXX XXXX. Bank of America placed a 7 day. Hold on my US Treasury deposit and printed on the receipt that funds would be available by today. XXXX XXXX XXXX by XXXX. My money has not been released to me. And when I called, they told me. I had to wait another 24 to 48 hours and I should keep checking my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KS
Zip: 67216
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I rented a car using my checking account ( debit card ) for paying for actual rental fee + deposit of {$600.00}. They put a hold on my card but my checking account indicated the amount of balance left after the withdrawal, so I have been using my debit card after that without any problem. However, I got a notification this morning indicating that my BOA checking account is negative after another withdrawal from Budget. My bank balance changes way too quickly ( like the transaction history changes as well everyday. ) but this kind of thing happened multiple times ( like my bank account was fine but becomes negative within one day ) so I would like to get a through review on my checking account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37122
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: XXXX I had two credit cards and bank account with Bank of America. They charged me over and over again causing me to go in debt from the overdraft fees. I had to open payday loans to pay them to make them stop. I would say in total it was about {$5000.00}. I recently heard about he action law suit settlement. Well when I call them they act like they never heard of what I am saying.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75056
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Attempts to collect debt not owed
Subissue: Debt was paid
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX as Trustee who is recorded in court documents. Be advised that we dispute the validity of this debt and a great portion thereof. We are exercising our rights as we had asked to rescind loan under TILA VIOLATION as well as all assignments involved with our loan and we understand that this Law Firm is or has been designated as the Trustee over the property of XXXX XXXX XXXX XXXX Georgia XXXX your firm was given authority over this property then you should be well acquainted with all of the assignments listed in court documents such as we have stood on the premises of this proclamation yet there is no clarity revealed in the processes sent forward whereas 13 to 14 banks have been involved in this merry-go-round. In our files the loan numbers are as follows XXXX XXXX, XXXX XXXX, Bank of America NA-XXXXXXXX XXXX VA XXXX # XXXXAnd now we are told that XXXX is once again proclaimed to the party of the property. Yet we have received only 2 more notices of assignment changes and they are for BOFA MERRILL LYNCH ASSET HOLDINGS, INC ( NEW OWNERS ADDRESS XXXX XXXX XXXX XXXX XXXX, NY XXXX ) Now in relations to these assignments it is now a company documented by the Secretary of the State of Georgia first under XXXX XXXX and now XXXX XXXX as XXXX XXXX No. XXXX BOFA MERRILL LYNCH ASSET HOLDINGS , INC.XXXX XXXX XXXX XXXX ; XXXX XXXX, North Carolina XXXX XXXX We have irrefutable evidence that in XXXX our loan was paid in full by XXXX XXXX and was a resale exchange.XXXX XXXX Litigation Specialist Bank of America in a written statement That we had a purchase money transaction, and it is evident from their review that the proceeds From this loan was consummated in XX/XX/2006, any extended right to rescind, even applicable Has expired pursuant to TILA Furthermore There is no evidence of a Mortgage documented on any of the 3 credit bureaus since XXXX file examined by FOIA. The National Justice Department has taken our case and have assigned a auditor involving the life of our loan and the suspicions of fraudulent activities concerning over the life of this loan.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 302XX
Submitted Via: Web
Date Sent: 2023-10-20
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-17
Issue: Problem with a lender or other company charging your account
Subissue: Can't stop withdrawals from your account
Consumer Complaint: I cancelled my visa services through XXXX on XX/XX/2023 due to unsatisfactory customer service and requested a refund for all services including the Health Insurance. My visa was never submitted to the XXXX Government!!! This is my second time hiring XXXX for visa services and each time it is a hassle. My first visa was approved and I gave the same type of documentation for the second visa but was continuously asked for new requirements not " explained or mentioned '' before which continued to delay the process. I called Bank of America 's claim department on XX/XX/2023 to request a refund for the visa services and the travel voucher. The agent stated that they do not provide refunds on Health Insurance Travel Vouchers. As part of the visa process, I had to pre-purchase health insurance for XXXX year. Since I cancelled my visa services with XXXX, the health insurance voucher is void. The departure date on the travel voucher is XX/XX/2023. I submitted a cancellation request via email to XXXX for the Health Insurance Voucher on XX/XX/2023 which XXXX weeks before the " assumed '' departure date. XXXX explained that I had to submit a PQR on XX/XX/2023 and the XXXX team did not submit a response until XX/XX/2023 explaining that I had to contact XXXX Assist to request a travel voucher refund. XXXX XXXX team stated that they do not handle XXXX XXXX Refund request. Please see image attached. XXXX XXXX received two requests for a refund I verbally requested a refund on XX/XX/XXXX where they told me XXXX group handles the refunds and that is not true. The second request was via email on XX/XX/XXXX where they are telling me it is too late to request a refund although I already verbally requested one. Both companies ( XXXX and XXXX XXXX ) are both stating that they do not handle the Travel Voucher refund process which is why I am contacting the CFPB because I am getting the run around from both companies. Please see images attached.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30080
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A