Date Received: 2023-09-22
Issue: Getting a credit card
Subissue: Application denied
Consumer Complaint: I applied for a XXXX XXXX XXXX XXXX XXXX and was denied by Bank of America on XX/XX/2013. Bank of America stated that they denied me because " one or more of your accounts has been included in a bankruptcy. '' My bankruptcy was filed over 10 years ago and does not appear on my credit report any more. I filed bankruptcy XX/XX/2013 because I had XXXX XXXX XXXX XXXX and a lot of medical bills. I have rebuilt my credit and believe I'm being treated unfairly.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 321XX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Today is XX/XX/2023. My wife and I are on day 1 of a three week XXXX vacation. I used my Bank of America Travel rewards card to make multiple purchases. This afternoon, however ( approximately XXXX XXXX XXXX ) my Bank of America card was declined at a bakery. I have a credit limit of nearly XXXX XXXX dollars, carry a XXXX monthly balance, and havent even charged a XXXX dollars worth of purchases since arriving in XXXX less than XXXX hours ago. I assumed correctly that the card was flagged for fraud when I called the number on the back of the card and was transferred immediately to XXXX in the fraud department. He performed extensive identity verification and verifications that I indeed made those purchases and had physical custody of the card, and that it has never left my possession. I had added it to XXXX XXXX as well earlier in the day to streamline my purchasing here, and to minimize my exposure to becoming a victim of crime by only pulling out my phone. After approximately 10 minutes on hold, I was informed by XXXX that they received an alert that a company I had shopped at was hacked in the past. Mind you, the past being before I had made my purchase. He stated that because of this hacking, the hackers had a portal to view the future and get my credit card number despite the hack coming before the purchase. He stated that my card has been cancelled and reissued, and there was nothing else that could be done. I reiterated that I was out of the country, and asked if the card could be reissued when I returned and was told no. While telling me no, he gave me corpospeak XXXX about how this is to protect you and your account I immediately called him out on this, as its not to help me at all. Its 100 % to minimize risk for BOA because theyre on the hook for fraudulent purchases, not me. Theres no way that stranding me on a different continent with no Visa card and XXXX Euros to get through three weeks is somehow helping me. XXXX offered to expedite a card to where Im staying, but Im not able to get mail, and were not staying in the same place for the 3-5 business days he quoted for it to get to us.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: PA
Zip: 19130
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing your account
Subissue: Company closed your account
Consumer Complaint: Bank of America inappropriately closed my account and I am quite disappointed by it. I have had this account for 20 years with a perfect payment history. My utilization was always 10 % or less. I believe Bank of America made an incorrect decision to break up with a great customer like me and I would like to request they reconsider my account closure and re-open my account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93306
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Closing your account
Subissue: Can't close your account
Consumer Complaint: I opened a credit card with bank of america, and the card arrived. When I try to activate it, the agent can not send the text message to my phone number. Then he try to use personal question like my car model to verify me. It is ok that time, but he can not activate it. The next several agent all asked me to go to a branch while in my state there is no branch at all. And it is impossible for me to drive 100 mile in weekday for that. Then I call them again, this time I just asked them to close the account. They can not do that either, so weird.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WI
Zip: 53593
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Improper use of your report
Subissue: Reporting company used your report improperly
Consumer Complaint: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Mi XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX, or XXXX ) credit report, and I noticed some late payments posted on my credit report : Bank of America acc # XXXX. Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report. Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations. 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Best regards, Your Name XXXX XXXX XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 48154
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: on XXXX we found out on our bank/checking acct got fraudulent ACH transferred of XXXX Right afterward, we noticed it is fraudulent, we call the bank to freeze the account, and submit a claim. There were two others fraudulent attempts later on but thankfully the account is frozen. The next date XX/XX/XXXX the acct got charged XXXX dollars and XXXX it was attempting to charge XXXX. We got all the funds back from XXXX and XXXX. However the first fraudulent Ach of XXXX was still under investigation according to bank. I submitted everything they needed and police report. I am having no luck on bank of America replying back to me. XXXX is not a small amount of money and I need the fund for my business to operate. Please help thanks. I felt like this is inadequate for a big corporation especially a bank we all trusted. The only response I got back from Bank of America is that to go look for XXXX. I tried approach XXXX, XXXX indicated that they cant help me since it is initated through bank of america. My lawyer have emailed a letter to the bank of america indicating proof of point of contact and transfer, no response. My main concern is first why Bank of America never texted or call indicated alert of transfer. Second online it indicates that usually more than XXXX it will be block, the amount exceed XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95129
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: I submitted XXXX complaints that were not resolved by Bank of America ( BOA ) or Consumer Financial Protection Bureau ( CFPB ). Here is the complaint again : Someone has been committing fraud using my name and personal information to create bank accounts at Bank of America ( BOA ). This fraud was started in XX/XX/2021. In the past several months, I've received notices from BOA claiming an account was opened and has been closed. One of the most recent ones had a monetary value of {$2000.00}. I have contacted BOA several times on the XXXX, and the phone disconnected several times. I went to XXXX of their local branches to dispute the issue with XXXX XXXX and was dismissed. Even more recently, a check was sent to me with an existing account I'm not aware of. Of all the banks I have had in the past several years, this is the first bank that has carelessly mismanaged my information and exposed me to identity theft. It's a frightening and unsettling situation to be in when someone can continuously open an account with your name for months without the bank taking any action.
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: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I withdrew XXXX from bank of america atm in XXXX ma. the atm only provided me with XXXX and ran out of my money. I called right away and was told it would be credited in two business days we are now on day ( 5 ) and still has not been credited to my account. each time i call always getting different answers with nothing being resolved and my money returned to account! please help me resolve this issue! sincerely, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 01906
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem when making payments
Subissue: Problem during payment process
Consumer Complaint: In XX/XX/2023, I cancelled a Visa Credit Card from Bank of America and obtained a new Visa card with better benefits. I have been a VISA card user with Bank of America for many years and with many credit cards. My credit card bill has always been autopaid from my Bank of America checking account - I am a Preferred Account Member. On XX/XX/2023, I paid my first bill on this new credit card. I went online because I had not seen a autopay charge on my checking account. This was my 1st payment and I was not sure when it was due, so I paid it early. I had not seen any provision for autopay on the website, so I was somewhat concerned. But all my credit card charges had always been charged to my checking account.On XX/XX/2023, I received a text message from the bank that my credit card charge was declined. When I looked at my credit card online, I saw that my DUE Date was XX/XX/2023, so I immediately ( XX/XX/2023 ) called and paid my statement charge {$1600.00}. The agent told me that I could setup autopay on the website. I scoured the website, but I could not find any AUTOPAY provision. None. I then received messages from the bank and the VISA company that I am charged a penalty of {$29.00}. Further, I received a notice from my credit monitoring service that my credit score had dropped XXXX points from XXXX to XXXX. The Bank of America then asked me to pay the current balance in full. I then called the VISA department at Bank of America and asked them to reverse these charges and credit reporting action. Their agent, 'XXXX XXXX took down my information and said she would make a dispute report. I asked for information about 1. Why did the Bank not use autopay as it did on my prior credit cards? 2. How could I select autopay when it is not an option on their website? The agent showed me how Bank of America expects a client to find the autopay option. I asked the agent to setup AUTOPAY for me- she replied that she could not do that. The agent began by directing me to a link on the Credit Card account page called " Pay & Transfer ''. Then, from the displayed account list, find the credit card that needs the autopay. Then DO NOT click on the card ID or the " Details '', but click on " Request eBills ''. From there, I must select " Pay Bills ''. Then select " Make a Payment ''. Then, from the displayed account list, find the credit card that needs the autopay. Now, I apparently MUST accept eBills for my credit card in order to proceed with the AUTOPAY option. I actually would prefer the mailed statement, but I can only proceed with this forced " option ''. After submitting the " eBill Request '', I am NOW asked to enter my last 4 numbers of SSN. Then I submit, and told I can now make payments. I am not sure what happened. My complaint is : The Bank of America deliberately obfuscates the method of autopay so that they can collect the Late Payment charge. They then use the missed payment to destroy the client 's credit rating and demand full payment of the current charge which would normally be due in about 1 month. The Bank 's method of setting up autopay, is misleading and deliberately confusing. How can a client know the tortuous route and inside lingo of these websites?
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 32080
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Trouble during payment process
Subissue: Lien release
Consumer Complaint: I originally submitted the below complaint on XX/XX/XXXX regarding the Bank of America. The CFPB responded last week and said the Bank of America would be in direct contact to me but I have not heard anything over a week later- I have been told this is quite odd. Please ask the Bank of America to forward me their response and please send me the response that the Bank of America said it was going to forward to you the XXXX. Thank you, XXXX XXXX " Dear XXXX, We want to know how the Bank of America allowed the Bank of XXXX XXXX to transact XXXX XXXX XXXX, XXXX XXXX Michigan in XX/XX/XXXX given that the Bank of America had first lien position on the property. According to the XXXX XXXX XXXX XXXX XXXX, the Bank of XXXX XXXX still has not released its lien position which contradicts the title work that I and my wife , XXXX XXXX XXXX were given at closing on XX/XX/XXXX. We had tried to address this issue with both banks but nobody has replied and details are outlined in the attached letter. Thank you, XXXX XXXX, 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: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A