Date Received: 2023-10-12
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: XXXX XXXX sent me damaged goods, I showed the goods to another manufacture based in LA XXXX XXXX, who are the largest manufactures for this type of product in the US, and they confirmed the goods were not sewn properly and needed to be discarded. I sent the letter from XXXX XXXX XXXX bank of America, they denied the claim because the letter from XXXX XXXX wasn't on " Stationary '', as XXXX XXXX is a small business owned and employs minorities, he puts all his money back into his business and never saw the need to hire a graphic designer to make him stationary and yet Bank of America refused to accept this, and refused to listen to him because of this. In response to claim # XXXX that I previously filed with the CFPB about this, they responded by sending me an electronic message stating that they would be sending me a paper letter with an explanation as to why my claim was denied, and that if I want to find out earlier, I can call a number with an extension. I called the number, and extension, and left numerous messages, and never received a call back, neither did I ever receive a letter explaining the reason they denied my claim. I didn't follow through on this until now as this whole experience was just so upsetting and frustrating. Any help extended in this matter would be greatly appreciated. Thank you. 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: MD
Zip: 20876
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Problem getting a working replacement card
Consumer Complaint: Bank of America discontinued a credit card program and re-issued me a new card with their new program. I called to request a replacement card because I misplaced the one they sent. Instead of simply replacing the card, they closed the account for fraud in error. I never reported fraud. The account closure was an error on their end. Subsequently they stopped my online access, ceased sending emailed or mailed statements, kept accepting recurring charges and in all the hours I spent on the phone with them they never mentioned a balance on the account, and began reporting late payments. I have paid the balance and asked them to remove the late payment reports that appeared on my credit reports from the 3 major companies. They removed one, but to date have not removed the XX/XX/23 report. They refuse to remove the block from the account and instead insist that I reapply for a new credit card account at a much higher interest rate despite an excellent payment history and a 23 year history with the credit card.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Every month Bank of America charges me {$4.00} for a maintenance fee when I go under {$100.00} balance. I called customer service and asked why the date changed every month and why do they wait until I get closer to or under {$5.00} per month to assess this fee. I have never received an overdraft fee because I always cover my account, but I came close this time. The customer service rep told me the date is the same every month. Thats when I got upset over the phone. I said no, it varies and this time this fee put me in the negative. He said no it wasnt the service fee but my charges that out me under. I said no when I went to sleep the charger wasnt there but it is and it put me under. He said well thats what you signed up for XXXX. You knew exactly what the fee is for. I said well it sounds like youre reading your script and youre just trying to see if you can get me to pay overdraft fees. I told him he needs to work on his customer service skills because he had raised his voice at me. In my case, I am unfortunate, but if you look into it, I think you will find other customers who may be paying a lot of overdraft fees and Bank of America is targeting those of us who dont always have a cushion in our accounts..
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85210
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone applied for a XXXXXXXX XXXX in my name using my personal info. I froze my credit reports and notified XXXX. XXXX has said they are pulling the application. I believe this is from the BoA data breach which included names, SS # s, DL # s, birth dates, income, employment, addresses, etc.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29414
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: I need to re-document and refile this grumbling to BANK OF AMERICA.I kept in touch with them the errors of my credit report including dates of payment, dates opened, payment history, and status. They professed to have led an exhaustive examination, in spite of the way that it its more of 30 days. As I checked and audited my credit report appears nothing has changed and negative move has been initiated. My privileges have been disregarded various times. 15 U.S.C 1681 segment 602 A. States that I reserve the option to privacy.15 U.S.C 1681 segment 604 A Part 2. It moreover states a buyer detailing office can't outfit a record without my composed guidance. I filed an FTC report with the report number XXXX as my formal complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90501
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Fraud or scam
Subissue:
Consumer Complaint: To the Consumer Financial Protection Bureau ( CFPB ), From XXXX XXXX, XXXX Reference Information : XXXX Fraudulent company XXXX XXXX cryptocurrency company XXXX XXXX XXXX XXXX Bank of America My bank Dear Sir/ Madam XXXX I am writing to follow up on a recent matter concerning a fraud case that has caused me significant financial loss and emotional distress. I believe that your intervention and support are crucial in resolving this issue. To provide context, I have been a victim of a fraudulent scheme that involved the deceitful and fraudulently use of my Bank of America account for transactions related to cryptocurrency through the companies called XXXX and XXXX. The scheme was orchestrated by malicious fraudulent company who deceived me into believing that I was engaging in legitimate investment activities. Regrettably, I have only recently discovered the extent of the scam and its impact on my financial well-being. I initially reported this issue to Bank of America, hoping for assistance in investigating and resolving the fraudulent transactions. However, Bank of America has informed me that they would close my fraud case and advised me to directly contact XXXX. They have also stated that my case has exceeded their specific timeframe for resolution. I want to emphasize that I only became aware of the fraudulent nature of this scheme after the fact. Had I known from the beginning that I was being scammed, I would have promptly reported it to Bank of America, despite any other commitments or responsibilities I may have had at the time. It is essential to understand that I was a victim who was deceived by individuals who portrayed themselves as legitimate entities. I find it deeply concerning that Bank of America has indicated that they are not liable in this matter because I participated in the activity. I believe this response is unjustifiable, as it fails to acknowledge the gravity of my situation. I trusted my financial institution to safeguard my accounts and protect me from fraudulent activities. The fact that my account was used in a fraudulent activity by the sophisticated and expert fraudulent company underscores a lapse in security that is beyond my control. I am reaching out to the Consumer Financial Protection Bureau, as well as designating Bank of America 's Ombudsman, to request your assistance and intervention in this matter. I kindly request that you review the details of my case, taking into consideration the circumstances surrounding my involvement, and advocate on my behalf to ensure a fair resolution. My primary goal is to recover the substantial amount of money I have lost due to this fraudulent activity and to hold those responsible accountable for their actions. Your expertise and advocacy in matters of consumer protection are invaluable, and I trust that you will help me navigate this challenging situation. I am available at your convenience for any additional information or documentation you may require. Thank you for your attention to this matter, and I look forward to your assistance in resolving this distressing situation. Sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/2023, I had made a sizeable cash deposit to my account, several hours later that day, I received a notification through email that my account balances had dropped below {$100.00} on all XXXX deposit accounts in my name. There were multiple transactions including, phone transfer, ATM withdrawal, and counter debit. These attempts were tried on all accounts, about {$17000.00} in withdrawals and fraudulent transactions were successful. At that moment I called the Bank and informed them that these transactions in question were not me. I filed a fraud claim immediately and got claim numbers. I was told to open a new account the next day, so I could have any refunded funds moved to the new account, I was also told a hold on transactions would be placed on the old accounts. Since then, I received a letter saying that my claim was denied, I rushed to the bank and later that day I received a refund of {$960.00}, but the larger amounts or {$8000.00} and {$8700.00} are still pending.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30075
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: This my 3rd complaint and matter is still not resolved. The bank keeps thanking me for being a preferred client but treats me like a cockroach whose time is worthless. For the XXXX time my card was blocked. And fraud department DEMANDS. I go to a branch with 2 forms of ID Even though I already went to the bank with 2 forms of ID twice, but they didnt bother notating it properly and I dont see how it is my problem thar their own team cant do the job
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90019
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Trouble using your card
Subissue: Credit card company won't increase or decrease your credit limit
Consumer Complaint: On XX/XX/2023 I had realized my credit limit had be unilaterally reduced from {$6000.00} to {$900.00}. Which is a substantial injury to me by interrupting commerce and causing a harm to my livelihood as I am the original creditor to this agreement as my consumer credit was utilized and extended to open this account. In accordance with the FDIC Laws and Regulations, I assert there has been a Violation of TILA, FCRA, ECOA, CCPA. - Violation 15 USC 1637 ( I ) ( 2 ) In the case of any credit card account under an open end consumer credit plan, a creditor shall provide a written notice of any significant change, as determined by rule of the Bureau, between the creditor and the obligor, not later than 45 days prior to the effective date of the change. - Violation 1031 ( a ) and 1036 ( a ) ( 1 ) ( B ) of the CFPA An act or practice is unfair when it causes or likely to cause substantial injury to a consumer which can not be reasonably avoided - 15 USC 1681 ( D ) ( 6 ) a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested, shall be disclosed to consumers Within thirty days prior to making changes. In accordance with the CFPA, I request the acknowledgment of violations on behalf of Bank of America, A resolution to rectify this matter in good faith, And the recession of the security interest and any associated liens on the account
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 64133
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-12
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: Bank of America took money out of our checking account because they paid XXXX, which was a closed account that was my sons account. He had called them to tell them to stop the automatic, reoccurring payments. They did not listen and took the money out of our account because he had already taken his money out and opened up a new account. My son and I do not have the same account I signed for him when he was XXXX or XXXX XXXX XXXX so he can open up an account. I have nothing to do with his bank account, nor do I have anything to do with XXXX or anything else having to do with any of his financial situation. Thats illegal. They can not take money out of our account when they are XXXX separate accounts. And they did not notify my husband or myself before they took the money out of our account. The letter was sent to us yesterday which wouldve been XX/XX/XXXX. The transaction took place on XX/XX/XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92882
Submitted Via: Web
Date Sent: 2023-10-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A