Date Received: 2023-10-13
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Bank of America reported my credit card over 30 days late to the credit bureaus. I submitted a dispute with them, as I had never received a statement ( via email or in the mail ), and there were no notifications that the credit card was late or that a payment was due. The payment was 34 days late according to their system and my credit history has been otherwise perfect. They initially did request to the credit bureaus that the late payment be removed and my credit card XXXX scores went back up. But later, they re-reported the late payment which caused an immediate drop in my scores. They have made it very difficult to obtain information on the request, why they reversed themselves, why I didn't receive billing notification or statements, etc. They have sent letters to call them- with no specificity on who to contact. In general they have made this a difficult and painful experience. Representatives I have spoken to are frequently confused, have partial information or can not reference back to my original request.
Company Response:
State: OR
Zip: 97217
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: Closing an account
Subissue: Company closed your account
Consumer Complaint: BOA failed to investigate fraud complaints of XXXXXXXX XXXX Claims were XXXX and had not been investigated to this date. I had all BOA alerts and safeguards in place. I informed bank that I WITHDRAW my fraud claimed and please set a closure date for them to return to me my XXXX XXXX XXXX No one at BOA will talk to me and I have no idea of my funds since they also closed access to my accounts. I have a XXXX} BOA credit card due and since I have no access to my money or my account info, this bill can not be paid. I have visited bank and was escorted out by police. A quoteleave now because I do not care how old you are, I will take you to jail. Bad words for a bank holding ransom my money
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63129
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: Problems at the end of the loan or lease
Subissue: Unable to receive car title or other problem after the loan is paid off
Consumer Complaint: Auto Loan with Bank of America was paid off on XX/XX/2023. On XX/XX/XXXX, we contacted B of A representative XXXX per telephone at XXXX. We were told that BofA will release the lien within 8 days and we should receive our pink slip within 3 weeks. Nothing happened, so we contacted XXXX again the middle of XXXX- she said she would check on it. On XX/XX/XXXX, we received a letter from XXXX XXXX at Bof A that said they had contacted the CA DMV to confirm our title work and that we should receive our title within 60 DAYS. Her telephone number is XXXX. On XX/XX/XXXX, we contacted XXXX at XXXX and she stated that they still had not received the lien release/title from the CA DMV, and said they would submit another request to the DMV. On XX/XX/XXXX, we contacted XXXX XXXX again and she stated that they had not received the electronic title yet and that she would reach out to the CA DMV as well as the dealer we purchased the vehicle from and would call us back on XX/XX/XXXX. Today, XX/XX/XXXX, we received a call back from XXXX and she found out that the DMV had issued what BofA needed on XX/XX/XXXX! However, she had no explanation as to whether our title was lost in their system or what had happened to it. Her " solution '' was to request another lien release and send it to US and that we would go to the DMV and request ( and pay for ) a duplicate pink slip. Their loan has been paid off for 4 months now, and we still do not have clear title to our car.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92084
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: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: On or around XX/XX/, I opened a business credit card at Bank of America ( XXXX ). It came with a 0 % interest promotional offer for 9 billing cycles, including the statement that included XX/XX/XXXX. My XX/XX/XXXX XXXX had a due date of Sunday, XX/XX/XXXX. On Friday XX/XX/XXXX, I paid my balance off in cash at a local Bank of America branch. On XX/XX/XXXX, I was notified that I was assessed a finance charge. On XX/XX/XXXX, I called Bank of America to inquire as to why I incurred a finance charge when I paid off my card during the 0 % promotional period. The support representative informed me that Bank of America has a cutoff at XXXX Pacific Time for same day processing. As I paid after XXXX on a Friday, my payment did not post until Monday. The support representative attempted to reverse the charge, but it was denied by the system. I attempted to escalate the issue, and was transferred to the representative 's manager ( XXXX ). However, XXXX was not available, and the transfer failed. -- -- -- - There is no warning about the XXXX cutoff time anywhere in the statement. Furthermore, it makes a weekend due date a lie, as the actual due date is XXXX the Friday before the weekend. Lastly, Bank of America 's website makes it impossible to pay a business credit card with an external account, like is possible in most other institutions. -- -- -- - Attached are my XX/XX/XXXX and XX/XX/XXXX statements. The XX/XX/XXXX statement demonstrates that the balance was still in the 0 % period during that time. The XX/XX/XXXX statement demonstrates that the payment was transacted on XX/XX/XXXX ( 2 days before due date ), and posted on XX/XX/XXXX ( One day after due date ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 986XX
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: Written notification about debt
Subissue: Didn't receive enough information to verify debt
Consumer Complaint: My husband was texted by a company yesterday saying they were going to serve me ( his wife ) with papers for a lawsuit if I didn't immediately respond. When I called they gave me a reduced settlement option or a lawsuit. They threatened to serve me at work, and told me the debt was in the statute of limitations. Their phone number on the letterhead does not work, and I saw that a company with a similar, but not exact, name is on a fraud site. They call themselves XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Today I gave them my debit card number and paid the XXXXXXXX XXXX because I thought they might be legitimate. They pressured this resolution. They gave someone else ( my husband, but still not me ) the information initially. I want to know if they are legitimate.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 852XX
Submitted Via: Web
Date Sent: 2023-10-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to complain about actions taken on my account that resulted in my credit score decreasing by XXXX points on XXXX.I have also initiated a dispute with XXXX concerning this matter. The problem started in XX/XX/XXXX. Two payments were sent from XXXX XXXX in the amount of {$52000.00}, dated XX/XX/XXXX and XX/XX/XXXX. When I discovered these duplicate payments I contacted XXXX XXXX to notify them of the error. The XXXX credit card statement shows balance total - {$77.00} balance total and {$.00} minimum payment due XX/XX/XXXX. My credit card was declined on XX/XX/XXXX at XXXX. Later that same day, I called BOA and spoke to a service representative. I explained the problem with the duplicate payment and that my credit card statement stated XXXX minimum payment was due as of XX/XX/XXXX, He stated that on XX/XX/XXXX XXXX BOA did a payment adjustment in the amount of {$520.00} on XX/XX/XXXX for the payment dated XX/XX/XXXX which caused a credit payment to be overdue. He told me that he would waive the late charges and interest if I paid the payment at that time. He advised me to make the payment on the BOA application which I did while I was talking to him. After he was able to verify the online payment he reactivated my credit card and removed all late charges and interest. I asked if my payment would be reported as late to the credit bureau and he said that it would not as it was not over 30 days late. Although the electronic payment was made on XX/XX/XXXX and posted on XX/XX/XXXX in the amount of {$520.00} pursuant to my phone call the previous day to BOA, another payment in the amount of {$520.00} was returned unpaid by BOA on XX/XX/XXXX for the payment dated XX/XX/XXXX. Bank of America had already done a credit adjustment for the duplicate payment of XX/XX/XXXX on XX/XX/XXXX which was shown on the XX/XX/XXXX statement. This was clearly a BOA error. I am being unjustly penalized due to their actions. See attachments. I made payments to BOA for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Thank you for your consideration of this matter.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OK
Zip: 73012
Submitted Via: Web
Date Sent: 2023-10-14
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-14
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: Here is the details, 1. My Credit card statement amount {$5700.00}, due date is XX/XX/23 2. I paid {$5300.00} by BOA internal transfer on XX/XX/23, short paid {$430.00} 3. XX/XX/23 I found short paid and paid balance {$430.00} by BOA internal transfer 4. I was charged interest {$210.00} for 4 days late payment amount of {$430.00} 5. I called BOA credit card company on XX/XX/23, asked them how interest calculated as {$210.00} for only 4 days late payment amount of {$430.00}, they said interest is calculated by {$15000.00} of annual interest rate 17.49 % not late payment amount of {$430.00}, they refused to reimburse incorrect interest {$210.00}
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91803
Submitted Via: Web
Date Sent: 2023-10-17
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-13
Issue: Managing an account
Subissue: Banking errors
Consumer Complaint: Bank of America investigation resulted in accounts that i did not access ending in XXXX and i have not been insured! They closed my account without telling me why and i was a member for 6 years. Under a dba XXXX XXXX business account and a personal account was denied several personal loans and i did not receive my 3rd EIP ( Stimilus Check ) Im under Identity Theft and this information is tied to my Ex who's shifted my name all around and using my ssn in the for of a EIN number. I cant open an account anywhere
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 752XX
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: 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 purchased a pair of shoes through an online vendor for {$220.00} on XX/XX/2023 using my Bank of America XXXX. The vendor shipped me the wrong size and refused to correct their error, despite their posted XXXX XXXX on their site, which states they would correct errors made on their part. Despite several attempts to resolve the dispute with the vendor directly, including submitting a Buyer Promise Support Request ( per their process ), I opened a case with the Federal Trade Commission against this online vendor because I believe they acted in bad faith. I also escalated the matter to Bank of America. I submitted documentation of communications between myself and the vendor, pictures of my invoice, the shoes they sent in the wrong sizes plus additional documentation from the shoe manufacturer ( separate entity/not the vendor ), which supported my claim. Despite this evidence, Bank of America denied the claim something they have did previously until I disputed their denial. I need for Bank of America to take the review of these claims more seriously, especially when evidence is provided.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60605
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 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: 33029
Submitted Via: Web
Date Sent: 2023-10-13
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A