Date Received: 2023-10-03
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: In accordance with the fair credit reporting act this creditor has violated my rights. Under 15 U.S.C. 1681 section 602 states I have the right to privacy. 15 U.S.C. 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S.C. 1666B a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90036
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fees or interest
Subissue: Charged too much interest
Consumer Complaint: In XX/XX/2023 a fraudulent charge was made on my credit card. I disputed the transaction. Ultimately, after several months, Bank of America notified me that, despite the charge being done without my authorization, that they could not do anything to help me. I then paid for the charge so that I would not accrue interest on it. In the subsequent billing cycle Bank of America, then removed the charge from the account again and placed it back on and begin accruing interest on the charge that I had paid off two months later. ( It is of note that I had an interest free loan on the account as well on which I was making all payments and for which I paid the fees in advance ). When I called to rectify the situation, I was told to default on the credit card or they would not address the fraudulent interest fees. When I pointed out that this would damage my credit, the supervisor with Bank of America hung up on me. I requested information on who opened the new fraud claim on my account in the XX/XX/2023 billing cycle and the representative would not respond. BofA opened that after I closed all of my other accounts and closed my credit card as a retributional act and are attempting to force me to damage my credit or pay them fraudulent charges. I recorded the final 90min phone call with them and have all billing statements that support this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92131
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: Today I received a call from my brother ( who has the same last name and the address on the check matches his id ) saying the bank was questioning whether the check he had was a fraud because ( per the teller ) the signature did not match. I had a carbon copy of the check the signature matched all prior signatures. The bank then called me and I spoke to someone named XXXX who said she was the XXXX of BOA 's XXXX XXXX, phone number ( XXXX ) XXXX. She wanted to verify I wrote the check. I said I did. She was quite rude and told me during the conversation she determines if a signature matches and implied I was lucky because she could of just told my brother to leave. This has happened more than a dozen times over the past few years with BOA. Every time the check is written to a XXXX person, usually a construction worker who is not dressed in professional white collar garments. Once the person was XXXX. Never XXXX. They always call and say the signature does not match. My signature is very basic and has been the same for 50 years. This reminds me of a police XXXX profiling XXXX people and pulling them over under false pretenses like " weaving within XXXX XXXX '' or " driving too slow ''. Please take a look at BOA practices. I suspect there are incentives for tellers to scrutinize signatures on checks tendered by people of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 913XX
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of American called me about suspicious transactions on my statement in XXXX. There were 6 or 7same day in a row from XXXX, {$58.00} at an atm, $ XXXXWhen I saw one 2 days ago for {$58.00} XXXX XXXX I had to close my Bank of America account XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 554XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: my name XXXX XXXX was scammed by an online company promising XXXX my money in a very short time, XXXX was the app that they used to collect my money, i invested {$14000.00} in this scam, the withdrawals were in XXXX XXXX XXXX all amounts are different {$500.00} {$1000.00} {$1500.00} i used my debit card and checking account for all of the withdrawals the person i delt with was XXXX XXXX the website was XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 334XX
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-04
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 convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that this account is corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92886
Submitted Via: Web
Date Sent: 2023-10-04
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Trouble using the card
Subissue: Trouble using the card to spend money in a store or online
Consumer Complaint: On the XXXX of XXXX I received my money from bank of America and everytime I made a purchase my account would be temporary locked it was impossible to do anything on the XXXX of XXXX I had to call them and have the card unlocked and then on the XXXX of XXXX I tried making another purchase online and it was locked again this time I called they said that on their end everything was good but on mine it wasn't so I end up losing my card and called them to order a new one and the representative kept putting me on hold saying that they were updating my account and it would be a few more minutes and how embarrassing this was only to tell me I have to go into a bank of America branch with XXXX forms of id I feel so discriminated against this was a very emotional experience I felt like I was walking around like a chicken without a head I'm going through a hardship and now my account is frozen I have no shelter and this what they do to me they have pulled the rug from under me I feel like they have played a game on me this is very hard to cope with
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93560
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Credit monitoring or identity theft protection services
Subissue: Problem canceling credit monitoring or identify theft protection service
Consumer Complaint: I was out of the country for 5 years prior to that I was also XXXX overseas XXXX / XXXX. upon my return I found my identity was stolen. I hope I can get my life back as soon as possible please Sincerely XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92021
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
Issue: Fraud or scam
Subissue:
Consumer Complaint: Please review the attached PDF file with all the details of my complaint.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19144
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-03
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: NV
Zip: 89110
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A