Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: There was an inaccurate reporting on my credit report. I did not recognize the companies or organizations showing on my credit report. I already file a dispute on this last XX/XX/2023 and just waiting for the response from the bureaus. I would like to make sure that these companies or organizations will be remove in my credit report as they are affecting my credit as a whole. I also file a complaint with FTC about these companies and I am just waiting for the result as well.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33321
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: opened a Bank of America small business account before the coronavirus pandemic and everything was fine in my account but I lost a lot of income and I find that this bank is taking advantage of a small business that struggling they are holding my checks for longer periods and leadtimes causing me extreme overdraft fees and refused to help me or give me any of my money back they said I already got three fees back but that was due to unknown charges when I first opened my account it has nothing to do with the pandemic or my struggling to pay my bills. I called them multiple times and asked them to escalate my situation but they refused to help me and keep giving me the runaround. They have no compassion and even if the check is a Bank of America check they hold it for extra long times and they said its because of my balance and they can change the whole time anytime they want I have incurred so many fees due to the pandemic and they refused to help me either Im so upset and I dont know what to do I can not get ahead with all of the fees that they put in my account I deposited a {$8000.00} check that I needed to pay my rent and my bills for my business and theyve already taken money for fees while holding the check I need someone to help me and speak for me as a small struggling business. All I want is al the fees back but they will not be work with me at all even though I told them I am struggling from no fault of my own. My business credit score is ruined. I can not pay my SBA loan, and I have been rejected several times when I apply for business checking accounts for other banks, Bank of America refused to refund me even though it was their fault that they rejected my SBA disaster loan, and knew I had no income coming in as I am a small business owner. This is my second complaint date in fact, did not try to reach me. They closed my business checking accounts and it has been very hard for me since then.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07110
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: My Name is XXXX XXXX XXXX my Company is XXXX XXXX XXXX the Bank Im making a complaint against is Bank of America. I have been a Member since XXXX and recently started getting charges and no action or help in return remedy to take off the charge and stop these companies from having access to my bank account. Regardless of the proof I continually sent BofA they let XXXX XXXX XXXX, XXXX XXXX, and numerous others take over XXXX dollars out of my account and all the money I have deposited and no matter how many times I made them aware of these transactions and how fraudulent they were they still kept them processing my money and wouldnt let me have any Protection from illegal transactions. This is why no one Trusts any Banks or institutions anymore! They let the fraudulent transactions happen and then make the consumer pay for it and then treat us like a thief instead of a victim. Im done with this nonsense and I demand my Checking Account be reinstated immediately and reimbursed for over XXXX dollars of the fraudulent charges I have filed against but found no remedy only discrimination. Please CFPB I need your assistance in this matter. Thank you
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91106
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America reported XXXX late payments on my credit report. Account XXXX XXXXXXXX But it's not my fault, my account was set up on XXXX Payment with my XXXX account for the XXXX payments on this account. I recently had fraud done on my account. On XX/XX/2023 I closed down my XXXX account reports the fraud charges and opened a new account. XXXX reassured to me that everything that was set up on XXXX XXXX or XXXXXXXX XXXX XXXX XXXX from the old account, will be automatically sent from the new bank account opened. All payments were made up to date and I am asking to please remove these XXXX late fees. This is affecting my credit report very badly and not letting me get approved for nothing else. Thank You, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06511
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: On XX/XX/XXXX I made a XXXXXXXX XXXXt gift card available to a scammer over the phone who pretended to be from XXXX XXXX. Shortly thereafter I verified with XXXX and XXXX that the transaction was a fraud. I filed reports with XXXX, FTC, FBI & local sheriff. On XX/XX/XXXX I called Bank of America and told them that I had been scammed. I asked them to refuse the {XXXX}. transaction on my XXXX card used to buy the XXXXXXXX XXXXt card. They flatly refused any offer to help me. I cancelled my XXXX card with them ( XXXX ) immediately. Later XXXX told me they would reimburse me. XXXX XXXX XXXX offered no explanation as to their refusal at a time I had no idea of XXXX XXXX intentions. Copies of the reports available upon request.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 934XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I noticed an unusual transaction on my Bank of America personal and business checking accounts. XX/XX/XXXX Personal Checking # XXXX - Offset payment to acct XXXX - {$230.00} XX/XX/XXXX Bussines Checkig # XXXX - Offset payment to acct XXXX - {$480.00} After contacting the bank they informed me that they offset the amount to pay the credit card balance and referred me to discuss the matter with the offset department. I requested immediate reversal of the funds because Bank of America made such an action without informing me and most important without my consent. The person helping me was very rude and referred to a contract or read it before signing something. When I asked to provide a contract she told me that I have to get it from bankofamerica.com or go to the local branch. ( I have a recording of the entire conversation ). It turned out the signed contract is missing from the bankofamerica.com website. I also went to the local branch to request the contract and the person helping me said that they do not provide contracts in the bank. It turned out I needed to make an appointment with the branch to request the contract. The bottom line, the bank refuses to reverse offset charges and refuses to provide signed contract.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91344
Submitted Via: Web
Date Sent: 2023-10-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: Regarding alleged XXXX payments. Loan number XXXX I am XXXX XXXX XXXX birth name XXXX XXXX. The legal.owner of the property listed as XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am not sure how or why Bank of America could have issued a loan after a previous XXXX caused by my parents which caused me to purchase the home in XXXX I didn't sign a loan my XXXX had no legal ownership of any property at that time other than XXXX XXXX XXXX XXXX XXXX at the time of the loan. Bank of America has refused to show proof of legal the loan was granted legally. To properly owners.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 947XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Recieved a text message from Bank of America stating " congratulations on your business account, you have been approved. you will be sent our welcome package in the mail ''. i called bank of america to let them know this if fraudulant. XXXX accounts had ben opened, XXXX business accounts, XXXX credit cards.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CO
Zip: 806XX
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Other features, terms, or problems
Subissue: Problem with rewards from credit card
Consumer Complaint: 1-My business credit card was revoked for no reason and no one at Bank of America would give me a reason 2-the bank confiscated the {$600.00} XXXX XXXX bonus I earned and wouldn't release it even after multiple attempts
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: 2023-10-13
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
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: 33619
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A