Date Received: 2023-09-26
Issue: Incorrect information on your report
Subissue: Information is missing that should be on the report
Consumer Complaint: Subject : Request for Inclusion of Accurate Bank of America Account with a Credit Limit of {$45000.00} on Credit Report To Whom It May Concern, I hope this message finds you well. I am writing to address a critical issue regarding the accurate reporting of my credit information, specifically concerning an active Bank of America account with the account number " XXXX XXXX XXXX XXXX, '' which was opened on " XX/XX/2019 ( 4 yrs, 5 mos ). '' This account, which carries a substantial credit limit of {$45000.00}, has not been appearing on my XXXX credit report, despite it being the only legitimate Bank of America account that should be reflected therein. It is imperative to clarify that this particular account should not be mistaken for any other Bank of America account that I may have disputed in the past. The account details provided are accurate and pertain to a valid and active financial arrangement that deserves proper representation on my credit report. I kindly request that XXXX take the necessary steps to ensure the inclusion of this accurate Bank of America account on my credit report. This omission not only affects the completeness and accuracy of my credit history but also has potential implications for my financial standing and future credit opportunities. I appreciate your immediate attention to this matter and request prompt action to rectify the absence of this account from my XXXX credit report. Please confirm once the necessary updates have been made to accurately reflect this account with its associated credit limit of {$45000.00}. Thank you for your cooperation and timely resolution of this issue. Sincerely, [ XXXX XXXX XXXX XXXX ] [ XXXX XXXX XXXX # XXXX ] [ XXXX, NY, XXXX ] [ XXXX ] [ XXXX ]
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10469
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: On XX/XX/XXXX, I received my ordered credit card ending XXXX. Though I have been with Bank of America for 20 years they said I had to verify my identity in a banking office. I explained that I was traveling for work and if I could verify myself in an affiliate office, to which the agent said they were not sure. He directed me to some offices in XXXX and they said they could not verify me. I said I will make a stop in XXXX on XX/XX/XXXX and they said that would be fine. In the meantime, a week before my flight, I received a letter saying the account was closed. I called the bank and they said they had closed it for fraud speaking with the fraud department I verified I indeed applied for the card and have it in my possession and already purchased the airline ticket to come to the XXXX, which they said as long as I went to the bank to verify myself I had 60 days and they will open the account again. This has not happened and several agents and managers have given me false information. I demand to be compensated for the flight, car rental, and hotel costs because I would have not gone to LA in the first place to verify myself if I'd been told the correct information. It also has caused mental and emotional stress from being told different things. I have recently spoken to XXXX who told me the fraud would be lifted and the card reactivated but XXXX XXXX in underwriting says they won't be able to do so until the fraud department lifts the flag, so yet another manager has lied to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98115
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: Bank of America 's website as is does not allow me to pay my XXXX XXXX Bank of America Credit card from my external bank
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: IL
Zip: 60532
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Managing an account
Subissue: Problem using a debit or ATM card
Consumer Complaint: Bank of America has blocked access to an XXXX XXXX Account by claiming the have issue with computer systems regarding debit cards. But they want me to pay out of pocket and request reimbursement, but that not acceptable. This money was for my health purposes and should be available to me the consumer who invested in their services and now I cant access the funds I deposited. They provided no time as to when the issue would be resolved. Also, all of my information was updated but they have information on my account that I did not provide such as old drivers license from another state. Something fraudulent is happening with my accounts.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AR
Zip: 729XX
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fraud or scam
Subissue:
Consumer Complaint: I am a Bank of America customer and received a call from someone pretending to be a Bank of America representative in the fraud department. Within the previous week I had two instances of fraud affecting other accounts in the same bank. This person noticed me that there was suspicious activity on my XXXX account. He told me the name of the person who had taken {$3500.00} from my account and then proceeded to walk me through the steps of transferring this money back to my XXXX account. He told me not to log into my account for 24 hrs and that he would contact me the next day to handle any next steps in reversing the fraudulent payments. So many red flags present! Had it not been for the fact that he called me while I was at work and the fact that I just had two other instances of fraud in the previous week I think I may have hung up! Bank of America has taken my report but warns me that they are unlikely to retrieve the money because it was essentially me who authorized the transfer. The crook had me send the money back to myself by creating a new contact in my XXXX that was my own information but arranged differently. It was the last 4 letters of my first name and my last name spelled backwards. Its completely ridiculous that I fell for this given I have XXXX XXXX degrees and am tech savvy. Now when I look in my XXXX history I see that the crook connected this new contact to his phone number. I never entered this number. He received {$2900.00} and I likely wont have this refunded, per my bank, unless the crooks bank it willing to return it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 94954
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-26
Issue: Fees or interest
Subissue: Problem with fees
Consumer Complaint: Tuesday, XX/XX/XXXX To Whom It May Concern : I made a phone call inquiring if I used my Customized Cash Rewards Visa Signature card about making a future purchase with a previous balance transfer. This employee told me as long as I make a payment before the next billing cycle there would be no interest. The payments are first applied to the purchased with interest then the balance transfer. I keep track of my bills and pay my credit card bi-weekly every 2 weeks. Yesterday I noticed my account was {$42.00} higher that It should have been. I called and spoke with a Bank of America employee well before XX/XX/XXXX which is the transaction date and posted date was for Purchase in amount of {$5400.00} ; posting date was XX/XX/XXXX. I never would have used this card if I knew what was going to happen. After learning of this interest charge I made phone calls yesterday XX/XX/XXXX I never would have used this card for a purchase. I complained last night and ended up getting a supervisor who advised me that they would review this and in less than 12 hours I get an email stating the request was declined. I called today and spoke with XXXX more agents. There first could only help me in getting the information to file a complaint and the second guy XXXX who works with card cancellations tried to help but it had already been through a review. He did make the remark that I could use the rewards from my credit card to pay for the accrued interest, that came off as DISRESPECTFUL. I can use my reward balance to pay for the interest. I told him the fact is I was LIED TO by one of your employees. I told the representative last night pulled the recorded telephone call since as a customer we are told all phone calls and monitored and recorded which will tell what I was told. I dont know why Bank of America Credit Card Services wont honor that your company made an error and instead of resolving the issue of issuing a refund you basically XXXX over the customer me and in the meantime either follow through with the structural counseling or have that persons supervisor advise that employee that you told a long time Bank of America customer a lie. No if I blatantly made the charge and found out interest accrued, now that would be on me the customer ; but that is not the case. I only made the charge because I called before I made the purchase and was given specific instructions that as long as I paid the amount before the next billing cycle there would be no interest. XX/XX/XXXX XX/XX/XXXX I made a total of {$5400.00} and Payments and Credits were - {$7100.00}. As you see clearly more than the amount charges. Even paying the minimum payment of {$94.00} still left {$7100.00}. This has been a waist of time having to call BOA, write this letter out, being lied to which makes your company untruthful. Ive been a Bank of America Customer for a long time. I hope you can resolve this issue as I can not trust this bank and dont feel like giving you the credit card company any more of my business and then I will eventually shut down my accounts with the bank. I could have used any other card and I did not. I am requesting the recorded phone call since there is suppose to be documentation of all phone calls. Its {$42.00} over clearly a misunderstanding that an associate of Bank of America told me incorrect information and me as the customer feels like I was screwed over. The most important thing is not being honest and telling me by email oh we denied your claim and I have no idea what was done.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76020
Submitted Via: Web
Date Sent: 2023-09-26
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: i am XXXX XXXX telephone XXXX i am permanent XXXX XXXX XXXX i started a small business LLC from my home office in 2018 and was doing my finances with bank of America without any issue/problem. all of a sudden said bank froze my balance of XXXX i have contacted bank so many times since then but they are not giving me any good reason and feels like after 3 months effort that they are not going to return my money. I am living on social security and this LLC money was helping me to buy my bread but now i am in a fix. Can you help me please? to get my money refunded and i have all the documentary proofs and tax return to proof that it is very much legal money and no one on gods earth can be a co owner. XXXX XXXX Email : XXXX. cell : XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95838
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Closing an account
Subissue: Company closed your account
Consumer Complaint: THIS STATEMENT IS FACTUALLY INCORRECT. Bank of Americas response to my recent complaint. On XX/XX/XXXX, you contacted our Estate Servicing Operations department to inform us of the passing of XXXX XXXX XXXX. Please accept our condolences for your loss. On XX/XX/XXXX, we received a copy of the XXXX XXXX for XXXX XXXX XXXX. On XX/XX/XXXX, you contacted our Customer Service department and requested the closure of account ending in XXXX that you shared with XXXX XXXX XXXX. On the same day, the referenced account was placed in a closing status. On XX/XX/XXXX, we completed the closure of account ending in XXXX. On the same day, a check for the funds in the account of {$20000.00} was issued to you and sent to the address on file via XXXX tracking number XXXX. We can confirm the check was delivered on XX/XX/XXXX. Please be assured that your concerns have been shared with our senior management team as an opportunity to improve the service we provide to all clients. We hope that you will allow us the opportunity to restore your confidence in us in the future. Thank you for sharing the details of your experience with us. We sincerely regret the inconvenience and frustration this matter may have caused. Our goal is to provide professional, courteous and responsive service at all times. We apologize that, in this instance, we did not meet your expectations. MONETARY RELIEF AMOUNT {$20000.00} THE CORRECT INFORMATION : I reported the passing of my mother, XXXX XXXX, on XX/XX/XXXX. Bank of America withheld funds from my mothers estate for months, despite submitting the required notarized forms and death certificate, often multiple times. Only until the CPFB intercede did they finally release the funds. A request for the remaining funds of {$20000.00} was initiated on XX/XX/XXXX. Until the CPFB again intervened was the matter closed on XX/XX/XXXX. There must be recourse to their practice of denying funds for as long as possible. This pattern of of withholding funds and the repeated requests for documents already sent to the bank is unacceptable. Merely returning funds in fear of CPFB response does not follow standard bank practices and, in my opinion, illegal.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95126
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Fraud or scam
Subissue:
Consumer Complaint: Commencing on or about XXXX XXXX XXXX XXXX XXXX XXXX, I fell victim to two multi-layered scam operations run by clones of ''Internal Revenue Service '' and XXXX XXXX XXXX XXXX which involved me making deposits for a total amount of XXXX, XXXX USD from my Bank of America account to fraudulent investment firm ( s ) through " XXXX XXXX XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07052
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-27
Issue: Improper use of your report
Subissue: Credit inquiries on your report that you don't recognize
Consumer Complaint: This account and inquiry are not mine they was made without my permission, consent. Inquiry and account. Bank Of America Inquiry : XX/XX/XXXX, XXXX is and are fraudulent and according to The Court FCRA this account violated my rights in many ways this account is pass the statutory limit what the law required under statute 15 USC 1681 B, 15 USC 1681 u 1681 section 602 Alpha which states I have a right to privacy, 15 USC 1681 604 Alpha Section 2 which states a consumer reporting agency can not furnish my account without my written instruction or consent, 15 USC 1666 Bravo which states a creditor may not treat a payment on a consumer credit plan as a late payment for any reason the inquieres must be removed immediately thank you.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MN
Zip: 560XX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A