Date Received: 2023-10-02
Issue: Fraud or scam
Subissue:
Consumer Complaint: This is a continuation of a complaint against Bank of America. The previous complaint was XXXX. Bank of America refused to assist in recovering the funds that were stolen. Reports have been filed with the FBI XXXX. I was the subject of a business e mail scam described in previous documents. Bank of America contributed to my loss of {$25000.00} in this scam. At my direction, XXXX wired {$25000.00} to a Bank of America account that was the recipient of the money. Bank of America is responsible for this loss and I am seeking reimbursement. Bank of America did not vet the customer and then would not provide information about it. To open the account at Bank of America, XXXX law requires documents to prove that the owner of the account can open such an account. Bank of American refused to share this information when the complaint was first filed, and said I would need a subpoena. This has resulted in undue delays and the probability of never recovering the funds. Bank of America needs to refund the {$25000.00} loss to me as they caused this loss by not vetting their customer who was obviously a criminal/scammer.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 080XX
Submitted Via: Web
Date Sent: 2023-10-02
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: My credit report is showing late payments to BANK OF AMERICA , N.A . XXXX. 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 BANK OF AMERICA 's customer service representative.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95746
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Incorrect information on your report
Subissue: Account information incorrect
Consumer Complaint: I had automatic payments set up on my credit card. Without notifying me, Bank of America canceled them. I didn't receive a notice until it was 30+ days overdue. At that point I paid the full balance. They claimed they didn't know why it happened but admitted fault by refunding the late fee. They refused to do anything about the report to the credit bureaus. This happened again about 5 months later. I had a balance of {$21.00} owed on the card, and again the auto payments were canceled and it became past due. This was again reported to the credit bureaus. These are the only two late payments in my entire 20+ year credit history. I've uploaded a XXXX copy of the chat I had with BofA support, which acknowledges that they did cancel the auto payments and refunded the late fee.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MO
Zip: 63118
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: Trouble during payment process
Subissue: Fees charged
Consumer Complaint: In XXXX, I was looking to refinance my house with XXXX XXXX. They told me I owed {$30000.00} more than I had told them I owed. Bank of America had added {$30000.00} in legal fees to my loan. I had been previously sued by an adjacent property owner because they wanted to use my driveway to access their property. They lost. My mortgage deed does state that the bank is allowed to charge " reasonable " attorney fees ( in a situation like this ) if it has the potential to seriously negatively affect the value of the property. The fees were not reasonable, and there was never a threat to the value of my property. I have an appraisal stating this fact. I retained an attorney once I learned all this, to sue the bank for the {$30000.00}. My attorneys fees ended up being {$30000.00}. The bank has agreed to remove {$30000.00} from my mortgage, and give me {$5000.00}, but they have done neither, and I don't have access to my mortgage account that I pay faithfully every month. So, I ended up paying the money I would have paid to the bank to an attorney instead, and still don't have the {$5000.00} ( that my attorney said the bank agreed to ), or access to my account. And I wouldn't have even known the {$30000.00} was added had I not applied to refinance my house.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 374XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: A credit card from several years ago for a company no longer in existence was charged off. Bank of America deducted {$2800.00} from my account today which leaves me unable to pay rent. When I called them they said they were sorry and there was nothing they could do about it. I asked if I can set up a payment arrangement and they said yes and that if I did, that would make it so they don't take all but {$100.00} from my account. I asked If I did that, would they reverse the charges and set up the payment arrangement they said no because the deduction is still " pending '' and there was no payment arrangement in place. I told the representative I was not told to set up a payment arrangement nor that if I did that it would stop the payments from taking all my money and leaving me with only {$100.00}. As far as I'm concerned, Bank of America committed fraud and has now put me in a position of becoming homeless as a result of their inability to communicate my ability to make payments and instead withdrew all the money in my account leaving me with {$100.00} and no rent money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92108
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
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: I opened up a checking and savings account with Bank of America online and deposited all my funds from my previous bank and my Direct deposit with my company to this account to open. I was mailed a letter stating the account was closed due to they could not verify my identity and I received no notification from them in attempts to try and verify my identity. They are now withholding over {$1000.00} of my hard earned money for investigation. I physically went into the bank opened up an account and it has been longer than XXXX business days and they are still withholding my funds and not providing any details as to why its not being released back to me even after verifying I was indeed the person who opened the account to include my direct deposit matched the account name and personal information provided on the account they closed. I have called and spoke to many representatives and am getting the run around stating they dont know when my funds will be released to me. I dont know what further action I can take with Bank of America to get my funds released back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32503
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I declare under penalty of perjury ( under the laws of the united states, if executed outside of the united states ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 USC 1001. Additionally, these misstatements are punishable as perjury under 18 usc 1621. This collection found within my credit report are not related to any transaction that I made. I am alleging that a person or company -without my authorization- used my personal identifying information to apply for goods, services or money and was successful in creating some accounts. All is being investigated by the FTC
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48227
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: 2023-10-03
Issue: Closing on a mortgage
Subissue: Changes in loan terms during or after closing
Consumer Complaint: Dear CFPB, I am refiling this complaint I filed XX/XX/XXXX under number XXXX but was closed with the claim that it was the same complaint ( # XXXX ) filed in XX/XX/XXXX. The XX/XX/XXXX complaint was about the XXXX position - the new complaint ( see below ) is very different and is requesting the complete finances for the mortgage starting in XXXX and the associated mortgage paperwork for when Merrill Lynch assumed the loan and then when Bank of America re-assumed the mortgage on XX/XX/XXXX from Merrill Lynch. Please review and ask the Bank of America to provide the requested paperwork : I just received correspondence from the Bank of America regarding a mortgage ( Acct # XXXX ) for XXXX XXXX XXXX XXXX XXXX, Michigan which documented that XXXX XXXX ( Acct # XXXX ) refinanced the original XX/XX/XXXX Bank of America mortgage ( Acct # XXXX ) sometime during XXXX. Following, the Merrill Lynch mortgage was then transferred back to the Bank of America on XX/XX/XXXX ( documentation attached ). . According to the XXXX XXXX XXXX of Deeds, Bank of America did not file the mortgage discharge paperwork when Merrill Lynch refinanced the mortgage in XXXX and never filed an amendment when it took over the Merrill Lynch mortgage XXXX XX/XX/XXXX, XXXX instead the XXXX XXXX XXXX XXXX XXXX only records the original Bank of America XX/XX/XXXX mortgage and discharge of the same mortgage on XX/XX/XXXX ( XXXX XXXX XXXX of Deeds documentation attached ). . Please have the Bank of America send me a discharge of the of XXXX mortgage corresponding to when the XXXX Merrill Lynch XXXX XXXX as well as the modification when the Merrill Lynch mortgage XXXX transferred to the Bank of America XXXX XX/XX/XXXX as well as filing the required documents with the XXXX XXXX XXXX XXXX Deeds. Also, please have Bank of America send me a copy of all the financials associated with the original XXXX mortgage XXXX Bank of America only sent me XX/XX/XXXX- XX/XX/XXXX financials from the new transferred mortgage ). Thank you, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 20850
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-10-02
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: in accordance with the fair credit reporting act these creditors have violated my rights. XXXX ) XXXX XXXX account number : XXXX on XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Bank of America, closed account with no account number. XXXX XXXX & XXXX XXXX XXXX address : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XX/XX/XXXXXXXX XXXX XXXX XXXX ) XXXX ) XXXXXXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ) XXXX XXXX account number XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX, account number. XXXX XXXX XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX XXXX account number : XXXX. XX/XX/XXXX address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) XXXX/DEPT OF ED, account XXXX. address : XXXX XXXX XXXX XXXX, MO XXXX XXXX - XXXX of XXXX Under 15 USC 1681 section 602 states I have the rights to privacy. 15 USC 1681 section 604 section 2 it also states : a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681A definitions ; rules of construction - exclusions. -- - except as provided in a paragraph the term " consumer report '' does not include -- any report containing information sole as to transactions or experiences between the consumer and persons making the report. Under 15 USC 1666b : a creditor may not treat a payment on the account under an open-end consumer plan that's late for any purpose. XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 314XX
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with explanation
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: XX/XX/XXXX I got an alert for a hard inquiry on my credit report. I contacted my bank which gave me a phone # for Bank of America which is the bank that opened a XXXX credit card in my name. I called them on XX/XX/XXXX and they told me no activity was done on the card and they will close the account. Thinking the bank was doing what they said I didnt worry about it. Today in the mail I got a letter from Bank of America dated XX/XX/XXXX stating the balance transfer check for XXXX they issued on my behalf to XXXX XXXX in Fl was mailed out on XX/XX/XXXX has not been cashed yet. I called the bank again today to question the letter and was informed that the account wasnt closed till XX/XX/XXXX. Thats very ridiculous
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10462
Submitted Via: Web
Date Sent: 2023-10-02
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A