Date Received: 2023-09-30
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: Did not give permission for Hard inquiry. Please remove now. BK OF AMER Inquired on XX/XX/2022 XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 982XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BANK OF AMERICA XXXX was reflected as a late payment on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90026
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: So {$230.00} was taken out of my account. And it says I used it on XXXX for three of the same comic books. XXXX XXXX XXXX XXXX was the name of the comic book. The company that was selling those books was a third party company and they deleted their business off the app. Once I tried contacted them after I knew it was unauthorized purchase. Nothing ever came to my house. And they used my card to buy an imaginary item!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92656
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: I opened a checking account with Bank of America and they offered a XXXX dollar bonus for depositing {$1000.00} of " qualifying payments '' within 90 days. I met the requirements and recieved the XXXX dollar bonus, which was deposited into my account. Bank of America has recently been found to have witheld their bonuses and making false claims. Bank of America contracts provide a provision that if an account is cancled for any reason other than voluntary owner request or inactivity, all reward points get forfeited. Luckily, I was able to utilize the reward bonus prior to my checking account being closed ( they did this with my credit card account, too ).
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 21157
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
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: 89102
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: On XX/XX/XXXX I was alerted by Bank of America for fraud activity on my account. Once I told them I wasnt the one who made those transactions my account was froze/closed. I told them my check was going to be deposited into my savings account XX/XX/XXXX. I was told by BOA that my check most likely would be rejected because the account was closed. That turned out to be a lie my check was allowed to go into my savings account. I was in constant contact with BOA fraud department trying to get my money. I was told the investigation end date was XX/XX/XXXX. While waiting for updates on the investigation I discovered someone hacked my XXXX XXXX account and was trying to take {$1500.00} from my bank account. I informed the bank but there wasnt much done with that information. Up until this point my savings account had {$1200.00} and my checking had about {$30.00} or {$40.00} dollars in it. Today when I talked to them ( XX/XX/XXXX ) They told me my checking account was negative {$1500.00}, which was the exact amount that the person tried to take from me via XXXX XXXX I told them over and over again the transactions were not made by me I have proof of it. They told me the money in my savings account was going towards the negative amount in my checking account. I argued with them about how it wasnt fair that I was being punished for fraud activity in my account. Im having to pay for transactions that wasnt made by me. A whole paycheck is gone because Bank of America wont refund it to me. I have been through this month long process in hopes that I would get my money back just to find out BOA is keeping it. Also how could someone take {$1500.00} from a account that never had that much to begin with?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 640XX
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-28
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: At XXXX on XX/XX/28 I received an email from BofA saying your credit card will be mailed to you in the next 7 to 10 days and a 2nd email saying " Welcome to Online and Mobile Banking ''. I never applied and don't have a relationship with BofA. I connected BofA via XXXX and got a direct number for the fraud department. Then closed the unapproved account. Then I asked for what info was used to apply for the account. They told me they will send me a form to get that. I also froze my credit report at all XXXX credit agencies and filed a police report. Now I have to wait to see what is next.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 15237
Submitted Via: Web
Date Sent: 2023-09-28
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: Subject : Report of Identity Theft and Fraudulent Account Openings by Bank of America and XXXX Dear CFPB I am writing to report a case of identity theft and fraudulent account openings perpetrated by Bank of America and subsequent reporting to XXXX. The events transpired in XXXX, where three accounts were opened by an individual using the name XXXX XXXX and my social security number, albeit with incorrect personal information. The fraudulent account openings occurred as follows : XX/XX/XXXX : First account opened XX/XX/XXXX : Second account opened XX/XX/XXXX : Third account opened All accounts were closed in XXXX. Bank of America accepted the applications and facilitated the account openings despite the provided incorrect personal information, including the discrepancy in the name not belonging to me. Furthermore, Bank of America reported these fraudulent accounts to XXXX, and XXXX consistently accepted and reported this false information every month. My attempts to gather information regarding the reporting party to XXXX were met with resistance from XXXX agents, who declined to provide any details or disclose the identity of the entity that reported these fraudulent accounts. This situation has had a significant impact on my financial wellbeing, credit standing, and overall peace of mind. I have taken steps to dispute and rectify these fraudulent entries, but the lack of cooperation and transparency from both Bank of America and XXXX is deeply concerning. I kindly request that the Federal Trade Commission investigate this matter thoroughly and take appropriate action to rectify the harm caused by this identity theft and fraudulent reporting. Your assistance in resolving this situation and ensuring such incidents do not recur in the future would be greatly appreciated. [ XXXX XXXX ] [ XXXX ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 774XX
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: No
Consumer Disputed: N/A
Date Received: 2023-09-30
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: Made 2 purchases for made to order merchandise from an online vendor with a bank of america credit card ending in XXXX XXXX XXXX, XXXX - XXXX XXXX XXXX {$390.00} USD XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX - {$290.00} USD The original timetline for delivery was 6 months. Merchant failed to deliver the order and deployed deplay tatics and I finally opened the chargeback dispute with BOA on XX/XX/XXXX. The associated claim number was XXXX and XXXX for the 2 dispute of the 2 transactions. I provided all the necessary documentation for the 2 disputes. On XX/XX/XXXX, BOA wrote me electronically that they will not resolve the dispute becuase it fell out of the timeframe. I followed up with BOA serveral time on re-opening the claim and re-iterate that I purchase something that I didn't receive. If BOA were to ask for the opposing merchant financial institution for proof of delivery tracking, they would've fail to provide one since it wasn't shipped out and credit back to me the full amount. But BOA refuse to even proceed with the claim.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 20171
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-30
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: I am following up on complaint XXXX ( when I log into the portal, I do not see a " closed complaint '' option and do not want to miss the XX/XX/XXXX deadline to respond. I never received the company 's response to my complaint. CFPB said that I would receive a letter, but I received no letter in the mail. I got an email from BoA suggesting there was a message in my portal, but the login I used to apply for the card no longer exists. When I tried to log in to see the letter, I got a message saying, " no account with that information exists. '' ( If it were simply a wrong username or password, I would have gotten a " change password '' screen or something, right? ) I do NOT want to drop this inquiry. Whether deliberately or unintentionally, this is another instance of Bank of America avoiding accountability for their unethical and predatory lending practices by putting up barriers for consumers to advocate for their rights. They open cards without your consent before disclosing all of the information that they're legally required to, and then they make it impossible for you to follow up on the complaint. I would like to hold them accountable for what their predatory business practices have done to my financial prospects. Please refer to complaint XXXX for additional details.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94044
Submitted Via: Web
Date Sent: 2023-09-30
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A