Date Received: 2023-09-28
Issue: Attempts to collect debt not owed
Subissue: Debt is not yours
Consumer Complaint: XX/XX/2023 Bank of America sent a letter stating i owe a debt that has not been verified correctly and has not issued a judgement on me and still hasnt verified that debt that is owed to them in the amount of XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76179
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: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: On XX/XX/XXXX I visited XXXX XXXX for a week long vacation. I arrived to the hotel around XXXX XXXX on the XXXX and headed out the door at XXXX XXXX XXXXo a XXXX XXXX XXXX concert, I later found out the date of the concert was XX/XX/18. ( My mistake ) I walked across the road to a bar that I later found to be called the XXXX XXXX at approx. XXXX. I believe I had my debit card and phone at that time. At XXXX XXXX. while I was walking back to my hotel " the lucky in '' I noticed my phone and debit card were missing. On XX/XX/XXXX starting at XXXX XXXX. I tried to retrace my steps to find the missing items and had no luck locating either my debit card or phone. On the XXXX I went to the public library to track my phone using the " find my XXXX '' website when I found that my XXXX ID and password on my phone had changed. At this point I knew there was something wrong, so immediately I walked to XXXX to use there land line phone. I used XXXX 's landline phone to put a hold on my card, and the representative told me there was fraudulent activity on my card, this was a shock to me because i thought this account was protected by my PIN that only I know. At this time me and the BOA representative went through all the fraudulent charges 1 by 1. The fraudulent charges added up to over XXXX dollars. I have XXXX dollars in open claims that are being researched. Another XXXX was denied and I was told by the claims department that it was closed and they denied payment because it was unlikely that the thief would have been able to guess my PIN in one try! Shouldn't that be a BoA security problem!?. I again have never gave my PIN to anyone. I would assume that Bank of America would only have to look at camera footage at the ATM 's to see it was not me making these transactions. Also there was purchases from major stores such as XXXX, XXXX, XXXX etc. Based on the transactions on my account the scammers knew exactly what they were doing. I have tried to resolve this problem multiple time with Bank of Americas fraud department and have escalated this issue to supervisors. I have faxed a police reports yesterday that was filed with XXXX XXXX Police department. I have been told a lot of misinformation along the way. One person told me that the FAX could only be seen during certain hours of the day, but today XXXX from Texas told me the FAX 's are available to the fraud department minutes after sent. I am fed up with the disorganization and am really upset with humanity at this point. I'm a career XXXX that's job is based on my integrity, and it seems like that being questioned by bank of America. I have contacted my lawyer and am willing to take this as far as needed to get this resolved. I'm concerned because I was left with almost no money after the theft and now I don't have money to bay my beginning of the month bills. Let me know of any further information needed. Note : ALL TRANSACTIONS MARTKED WITH A *X* ARE FRAUD
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: RI
Zip: 028XX
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: 2023-10-02
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: Made a large check deposit and a hold was placed on check. Check cleared and bank closed account. Asked for a review and provided all documentation of money source and was denied a review after receiving all proof and documents. Spoke with numbers agents who gave different wrong amounts to me as the balance. Said the check was altered from the Department of Treasury, lied and said they were returning the funds to IRS then lied and said waiting for IRS to request funds back and different versions to what was the delay. I asked to have check returned and was denied even after submitted IRS documentation. The IRS says checked cleared and the money is there but bank refuses to give funds to me and closed account without valid reason and did not return ending balance in account. Now Im in danger of losing my business after 3 months of going back and forth and being provided wrong info from each bank representative
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90047
Submitted Via: Web
Date Sent: 2023-10-05
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: On XX/XX/XXXX, my partner went to deposit cash into my account at a Bank of America ATM because I needed to pay my mortgage. The ATM machine did not return my card and presented a message saying that I had to go to a Bank of America office in person to request a new card. The next day, XX/XX/XXXX I see that two transactions, one of {$800.00} and another one of {$950.00} were charged to my card at a XXXX grocery store near the ATM machine that did not return my card. I immediately go to the bank and they tell me to file a dispute and block my card. I do this and Im told to wait about 10 days for a decision. Then I see my Bank of America mortgage account has late fees applied because it wasnt paid. I did not have the money since the money had been stolen therefore I went in person once again to Bank of America to have the late fees removed and after a full day at the office they were able to remove them and I managed to make the payment. The employees told me that based of the evidence of the ATM machine not returning my card I should have the money returned because I needed it to pay for my mortgage. On XX/XX/XXXX I receive a letter stating that my dispute was denied. I have a photo of the ATM message stating that my card could not be returned to me therefore it was not in my possession because the ATM machine did not return it, therefore I did not have the card to make those two transactions at a XXXX grocery store. I have also filed a police report to further investigate and prove that I did not authorize these two transactions.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33415
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
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 XXXX canceled charge {$150.00} refunded money. Credit card company Sent me letter resolved in my favor. But they will not credit my account called 27 times all said it was being fixed. 2 statements no credit.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 109XX
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Unable to make payment online. When I try to make a payment, it shows : " Not eligible for XXXX XXXX. You dont have an account for use with XXXX XXXX XXXX Youll need to open a Bank of America XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX of credit. Open an account ''. This is the first time that I have a credit card company forcing customer to open a banking accouint with them, in order to be able to make a payment. I have called and have XXXX add XXXX accounts, XXXX claim it is added, but it never appear on the online account. When I call back, they also do not see the account that was allegedly added before by their own XXXX Instead of addressing the issue, XXXX have anger issues.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: KY
Zip: 42001
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-01
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: Beginning in XX/XX/XXXX I reported to Bank of America multiple recurring fraudulent charges to my checking account dated back to XX/XX/XXXX. I've made over 20 phone calls to BoA. I opened multiple claims, provided all requested info over the phone, and faxed in 41 pages of evidence to prove I am the victim of fraud. This includes a police report, complaints with multiple other federal agencies, and another CFPB complaint ( XXXX ). After placing the cited CFPB complaint, the 2 claims cited there were permanently refunded ( with no explanation and no contact ). BoA still owes me {$30.00} and refuses to help me neither on the phone or at a local branch. BoA claim XXXX for {$29.00} is still outstanding. It was not included in the original CFPB complaint because I was not yet notified that it was denied. For this claim, I am only requesting {$29.00} of the {$61.00} denied. I fully explain this in my attached letter, which was sent to BoA through a bank center on XXXX XX/XX/XXXX. Please help me close this out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07047
Submitted Via: Web
Date Sent: 2023-10-01
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Getting a credit card
Subissue: Card opened without my consent or knowledge
Consumer Complaint: Reached out to Bank of America about a credit card being opened under my name that I did not apply for or had knowledge about. Bank of America struggled to find the account even with information provided as well as proof of it existing ( already showing on credit report and emails about card activation ). Asked to be removed from my account and closed which they stated they would look into but that they do not send correspondence out regarding it. Do not know if they actually proceeded with the process or not.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 305XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem caused by your funds being low
Subissue: Non-sufficient funds and associated fees
Consumer Complaint: i have unnecessary charges ( fees on my account ) that make no sense also your phone lines are compromised i just heard an entire customers entire conversation with you remove my fees!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 75074
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
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 Act 15 U.S.C. 1681 Section 602 states " I have the right to privacy ''. 15 U.S.C. 1681 Section 604a Section 2 also states " 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: NY
Zip: 11553
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A