Date Received: 2023-10-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I mistakenly initiated a payment for {$2000.00} instead of the intended {$200.00}, and I promptly requested a reversal. Interestingly, the reversal was processed twice on the same payment which means the bank charged me {$4000.00} and claiming they game me free {$2000.00}.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98118
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Fraud or scam
Subissue:
Consumer Complaint: In XX/XX/XXXX or around that date or week, i had {$500.00} stolen from my bank account in {$19.00} increments, the moment i woke up around XXXX or XXXX XXXX it happened and i immediately called my bank and they helped me, i got a new card and a temporary card to use. the person who took my was named XXXX XXXX and the description of the transaction said MOBILE PURCHASE XXXX FL, I am in California, i woke up to a message saying i need to change my address on ups, i believed it because i had bought something online that same week. but they got my info some how. so i called, and they told me they'd handle it, i got my money back and got a temporary card and changed cards to a new one, then on XX/XX/XXXX, I got a temporary credit reversal and the bank took back all {$500.00} back away from me, how is that fair? the proof is in front of them. im in California not Florida and why would i send away {$500.00} in {$20.00} increments. I called them again on the XXXX and 2 out of the 3 people hung up on me. then again on the XXXX because i had to wait for this department to open. and all they did was reopen the claim again and told me to wait up to 45 days, i do not wan na wait at all, i need my money back now, that is my rent money that i need. that is their fault for not protecting my money. not mine. any way you guys can help me. if i can't get my money back im going to change banks. i will be showing two pictures attached, one to show the transactions from the person and where its from, and my new card on the left that i asked for the morning of my money was stolen and my old card on the right.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91402
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: An Unauthorized Inquiry was reported to my Consumer Reports on XX/XX/XXXX. A Notice and Demand For Unauthorized Inquiry on my Consumer Report was sent to the creditor via USPS Certified Mail on XX/XX/XXXX. A copy of this letter and confirmation receipt is attached below. *USPS Certified Mail : XXXX - Delivered XX/XX/XXXX* This Creditor had no Permissible Purpose to obtain my consumer report information. This Creditor has not responded in return and it has been over 30 Days from the date of receipt of my Notice and Demand letter. Please Delete/ Remove this inquiry from my consumer reports as soon as possible. Thank You In Advance, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91775
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: On XX/XX/2023 I received 7 letters in the mail that my banking institution, Bank of America, would be closing my accounts ( 10 total : Personal, Student/Minor, Credit, Savings, and Business ). There was no reason given, only a XXXX # to call stating, " we're here if you have questions ''. After calling twice and selecting different prompts, there's only a recording stating they've made the decision to close my account and the decision can not be reversed. No live person took the call, no matter what prompt you select. I went into my local Branch and the Manager sat with me and could not believe they would close accounts without reason. He too called the XXXX # and got the same recording as I did. After calling a different number, he spoke with someone who told him she would look into it. After XXXX minutes, she told him the same thing the recording and letters said. With no reason given. As a longtime customer of BofA, with multiple accounts and all with good standing, I'm appalled at the lack of transparency. As a minority woman small business owner, I'm disheartened to be left in the dark. The emotional stress of trying to move my company assets, ensuring my guys and gals are paid in a timely manner, ensuring I'm able to receive money - this has been an emotional strain on not only myself, but my family as well. Although the letters state I have 21 days I logged in on XXXX to send my statements to my Accountant, and multiple accounts are no longer accessible. They're not even showing on my account. I've had to call and ask for them to mail me my statement. It's been 6 days and my accounts are already closing and disappearing?! I'm so far from understanding this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29906
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Trouble during payment process
Subissue: Escrow, taxes, or insurance
Consumer Complaint: Purchased a new house XXXX. House closed and the property taxes assigned to the impound account was more than double what it should be. The house was a new build and so there is no actual tax bill assigned yet. The bank estimated what they believed to be the future taxes using a criterion I have not been able to understand. I spoke to title people , county tax people, my realtor and everyone agrees something is wrong. I have spoken to my loan officer, customer service twice from the bank involved and still no one can properly explain why the high tax estimate. They just keep telling me the impound account will correct at the first hard tax bill. That bill may not be sent to me until XX/XX/2024. Meantime my monthly payment is higher than I ever anticipated. I paid {$290000.00} for the house. They are taxing me the near equivalent of a {$500000.00} house. ( Approximately ) The county tax person suggested I tell the bank to use their online tax estimator to get a better look. I told the last customer service person to try that, but they would not. I am frustrated and can not get any answers. So figured I would try your bureau.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85396
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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 accidentally booked a reservation for XXXX Nights starting in XXXX of XXXX. The amount was listed in XXXX Pounds and I wanted to compare the price of a general hotel to getting an apartment for my daughter if she possibly got an internship. ( which is a 5 % maybe I will look in XXXX type of thing ). I wanted a sum total and by accident I must have booked it. I promptly canceled with XXXX and called my credit card company to tell them what I did. The amount was {$9200.00}. I have called XXXX XXXX. the hotel, and the credit card company probably in grand total about XXXX times. I submitted all my paperwork, etc. Bank of America ( Visa ) had someone tell me to " Use my Brain ''. I am now being told that not only is my reservation NONREFUNDABLE, but it is also CANCELED and I can not have my reservation back. Visa is not willing to help me get my money back even though I contacted them within minutes of this happening. This is UNJUST ENRICHMENT that VISA Is backing. I am going to fight this charge still and cancel my card. I am NOT going to pay the {$9200.00} while this dispute is ongoing and I will notify them in writing.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 980XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Someone trying to make a {$120.00} charge
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 320XX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: I wanted to remove the joint cardholder off my account but was unable to
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11218
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-10
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 had a XXXX XXXX membership. I cancelled the membership within the time frame specified in the membership agreement and cancelled the membership in person which is also their policy, just to make certain it was cancelled. XXXX claims they received my letter late and charged my Bank of America card {$52.00}. I disputed the transaction. The investigation, if you can call it that, conducted by BOA was a disgrace and they denied my claim. I have had that card for XXXX years and pay my large bills in total every month. XXXX provided BOA with fraudulent documents, which were accepted by BOA. XXXX, employee ID # XXXX, a supposed supervisor, was a disgrace. She asked me to provide proof of when XXXX received my cancellation letter, knowing there is no way that type of document is available. Interestingly, they never asked XXXX for a copy of the letter and even more obvious, XXXX never provided it. Further, the cancellation form that XXXX provided to BOA is back dated, does not contain my signature in the member signature blank and notes that XXXX cancelled the membership for " insufficient usage '' -- no mention of receiving my cancellation late. BOA just accepted these documents without reviewing them or pursuing further investigation. BOA 's investigation was just as fraudulent as XXXX XXXX documents.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-10-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-11
Issue: Incorrect information on your report
Subissue: Information is incorrect
Consumer Complaint: I used to have a Bank of America account a few years back. There was fraud on my account and after reporting it, they decided to close my account. The terms ended with no payments needed from either side. I tried to open a XXXX Checking account after having a XXXX Credit Card and they sent me the XXXX XXXX It had false information and stated I owe money. I called Bank of America and asked if I can speak with someone over the phone to fix this. They refused to send me paperwork from their end so I do not have proof to clear the XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95765
Submitted Via: Web
Date Sent: 2023-10-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A