Date Received: 2023-09-21
Issue: Repossession
Subissue: Damage caused or loss of personal items in vehicle during the actual repossession
Consumer Complaint: During the repossession of the car the dealer kept the car, then I got a ticket from XXXX because the someone from the dealer drove my car there, and was going at a very high speed in a 25mph max speed, also I got tickets from the tolls, and 3 parking tickets, when the bank called me to ask me for the car I told them it was a repo and to go and get the car at the dealership and they told me that they cant go to the dealership and pick up the car there because its a 3rd party or something like that, so I went back to the dealership after that to go and get the car, but the car wasnt there anymore, so the angent that took my keys was there and I asked him, he told me the bank took the car and if it wasnt the case maybe the city took the car, so he told me to call the city and check for the car, I did and the city didnt have the car, neither the police or sanitation, and then he told me that I had to call the police and make a report saying that it was stolen, witch I did and then when the police arrived they told me that the dealer is responsible for making the report and since XX/XX/2023 that was the day they kept my car, they havent make a report I have been there several times, because no one knows where is the car, and I had explained to them that if someone stole the car and do something wrong im going to be the person responsible for that, but they have been very sketchy about this topic, and I really dont know what to do at this point, I got in contact with a consumer lawyer but its tacking time, the dealer is XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX NY , XXXX agents involved in this transaction are XXXX and XXXX, they are the ones that XXXX telling me that they dont want to get involved when they are the responsible for tacking my car and keeping plus driving it without my authorization, I tried several times to get help, but they just refuse to it they have been very irresponsible and unprofessional about all this, they are the 100 % best sellers but the worst when we talk about cleaning their own mess, because they know how everything works the rules and the laws of the process and still took advantage of me knowing that im a beginner of this.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10463
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: Attempts to collect debt not owed
Subissue: Debt was result of identity theft
Consumer Complaint: I am XXXX and received a garnishment from Bank of America on XX/XX/XXXX for an alleged debt owed XXXX. I have never taken any out for a car from Bank of America neither I apply for a loan with Bank of America. I have never defaulted on a loan from Bank of America and the information that is on the garnishment is not correct and its not me.
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: 2023-09-21
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: Be advised this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g stating your claim is disputed and validation is requested. This is NOT a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. At this time, I will also inform you that if your offices have reported invalidated information to any of the 3 major credit bureaus ( XXXX, XXXX or XXXX ) this action may constitute fraud under both Federal and State Laws. Due to this fact, if any negative mark is found on any of my credit reports by your company or the company that you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Credit Reporting Act, Violation of the Fair Debt Collection Practices Act, and Defamation of Character. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 days to investigate this information, during which time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with my legal counsel for suit. This includes any listing of any information to a credit reporting repository that could be inaccurate or invalidated. If your office fails to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately. Account number XXXX, account number XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11204
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: Problem making or receiving payments
Consumer Complaint: On XX/XX/XXXX I deposited a retirement check from XXXX XXXX XXXX XXXX ( XXXX ). It was a corporate check and should have cleared immediately. Instead, after I made the deposit, Bank of America informed me they would release some the next day, 1/3 in two days and the rest on the following Monday. They gave me a receipt to this effect. Instead they are holding all funds until next Tuesday and didn't release any of it. This is unconscionable.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MI
Zip: 480XX
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: Managing an account
Subissue: Fee problem
Consumer Complaint: Bank of America has charged me a {$12.00} monthly maintenance fee several times incorrectly. I have called in the past and have been able to rescind the fee. However, in XXXX of 2023 it happened again. I called XX/XX/2023 ( spoke with XXXX in Florida and XXXX in North Carolina, 2 bank of America employees ) and explained the fee was charged even though I maintained the daily minimum balance required by the bank to have the fee waived. This is evident in my bank statements. There was no follow-up action or call to my request and query. The fee has been charged once again this month ( XX/XX/2023 ) and I again am awaiting a call back from Bank of America to explain once again why the fee is being charged even though it is clear the conditions for a free checking account are being met.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 95610
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 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: FL
Zip: 33177
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: Problem making or receiving payments
Consumer Complaint: On XXXX XX/XX/2023, I received XXXX Bank of America ( BOA ) alerts ( You've added XXXX XXXX XXXXYour email address was updated ). On XXXX XX/XX/2023, because of the BOA Alerts, my wife used her computer to check our BOA transaction history and noticed XXXX fraud transactions ( XXXX XX/XX/2023 XXXX XXXX - XXXX XXXX XXXX BILL Payment XXXX XXXXprocessing XXXX XXXX XXXX XXXX XXXXXXXX BILL PAYMENT Debit {$3800.00} ). On XXXX XX/XX/2023, I called BOA to submit a fraud claim for the XXXX XXXX XXXX transactions ( BOA Fraud case # XXXX XXXX ). On XXXX XX/XX/2023, my wife and I went to the BOA branch bank in XXXX, Texas on XXXX XXXX to inform them of our fraud claim. The XXXX XXXX helped us open a new BOA checking account, gave us a copy of our old checking account transaction history, with highlighted our XXXX disputed transactions. On XXXX or XXXX XX/XX/2023, I received a BOA Research Complete letter stating that they are unable to honor my claim for the following reasons : Our investigation found that the transaction in question was completed using a device that is consistent with previous valid account activity. They now consider this claim closed. On XXXX XX/XX/2023, BOA appointment with the Relationship Manager. He called the BOA Fraud Division on my behalf and asked them to reopen my fraud case so that I could provide supporting documents to support my claim. I was told that my case was reopened from XXXX XX/XX/2023 to XXXX XX/XX/2023. Between XXXX XXXX XXXX XX/XX/2023, I asked the BOA Relationship Manage to fax the following documents for me to the BOA Fraud Division : XXXX Police Department Call for Service Sheet. XXXX XXXX XXXX ( my wife ) XXXX information. My ( XXXX XXXX XXXX ) XXXX ( computer ) I.P. address. BOA history on my wife 's computer from XXXX XX/XX/2023 to XXXX XX/XX/2023. My XXXX XXXX XXXX XXXX Usage details from XXXX XX/XX/2023 to XXXX XX/XX/2023. On XXXX XX/XX/2023, the BOA Relationship Manage faxed the following documents for me to the BOA Fraud Division : Screenshot copy of BOA Alert " You've added XXXX XXXX XXXX. Screenshot copy of BOA Alert " Your email address was updated ''. Screenshot copy of my XXXXXXXX XXXX BOA Apps " My Contact Info ''. This showed that someone had changed my primary email address without my permission. On XXXX XX/XX/2023, my wife went on her computer to pay some of our monthly bills through BOA 's Pay Bill, using our new BOA checking account. She had to turn on the Pay Bill for our new account. After she activated our Pay Bill she found that in our new Default Group " XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX '' was present. She told me that this XXXX XXXX XXXX XXXX XXXX XXXX wasn't in our old account Default Group last month, on XXXX XX/XX/2023, when she last paid our monthly bills. My wife deleted it from our Pay Bill 's Default Group. On XXXX XX/XX/2023, I received by mail a BOA Research Complete Letter stating that BOA can't approve my claim and that this claim is now closed. On XXXX XX/XX/2023, the BOA Relationship Manage to fax my screenshot copy of our New Pay Bill Default Group and statement to the BOA Fraud Division. On XXXX XX/XX/2023, I called BOA Fraud Division at XXXX to check on my fraud case # XXXX and was told they had received my faxed documents but have not been able to continue my case investigation because of their backlog. On XXXX XX/XX/2023, I called BOA Fraud Division at XXXX about my case status. After answering a few questions this lady told me that my case XXXX claim was only for {$4000.00} and not the {$7800.00} as I claimed. She submitted a XXXX fraud claim for my other debated transaction of {$3800.00}. My XXXX case # is XXXX. This lady told me she could not find anything showing my case was reopened. I was told that my new investigation could take up to XXXX working days. On XXXX XX/XX/2023, I received a secured email from BOA stating that my claim # XXXX research was complete and they can't honor my claim, and they now consider this claim closed.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: 76542
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Other features, terms, or problems
Subissue: Other problem
Consumer Complaint: After being a model customer for more than 10 years - never missed a payment, they are shutting off my card due to a internal policy that they will not produce any documentation to prove exists. I had to change the name of my company, but there was no other change to the entity at all. The ownership, EIN, address, etc. all remained the exact same. They mailed a notice to the WRONG address to ask for account information updates. By the time I received the communication, I only had 4 business days left to get the name changed in their system before they were shutting down the card for this technicality. So I began the process to have the name changed, which after being given bad and conflicting advice from 2 different Bank of America departments, I was still willing to go through their process to change the name. Only to be told a day later by another department that it doesn't matter, there is no way to change the name on the account and keep it open, it will be closed. SO they would be closing the 10+ year account, that has NO problems on it, in 2 business days. Which is putting a hardship on my company. I requested documentation on this policy and was told by XXXX of Bank of America that they do not provide anything in writing, they only provide verbal communication. I believe they have lender liability issues in the manner they conducted themselves with this manner for he following reasons : 1. they will not produce documentation proving a policy exists for closing this account for this reason. 2. they did not give proper notice or provide ample time to remedy the issue. They mailed their notice to the WRONG address. XXXX they gave the borrower wrong and conflicting advice through the interaction I took good notes and was informed all the phone conversations I had were recorded, so there should be ample evidence to prove my statements above.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44646
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Managing an account
Subissue: Fee problem
Consumer Complaint: My legal name is XXXX XXXX and I am in the process of moving. The bank will my previous address XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX. Please see attached spreadsheet for details related to the refund requested. I will be pasting an email which summarizes my claim that I emailed yesterday XX/XX/XXXX to Bank of America executives that has not been responded to : _____________________________________________________________________ My name is XXXX " XXXX XXXX XXXX and I have been a long time Bank of America customer for over XXXX years since XXXX. I have been a loyal customer and recently maintained a checking, savings and credit card accounts with your institution. Most importantly, I have for many years used BofA 's bill pay capabilities. Recently I closed and reopened a savings account that incurred many account maintenance fees that I would like to be reimbursed. I may close this account again to avoid the {$8.00} account maintenance fee. Between XXXX and XXXX I underwent significant health challenges and was in and out of the hospital with various illnesses and XXXX. During this trying time, I experienced a loss of income, significant hospital expenses and was unable to submit my tax returns on time, incurring significant fees. The savings account was a free account when initially opened and was not subject to account maintenance fees. I am asking for a credit of XXXX months of account maintenance fees totaling {$130.00}. For checking account, I am requesting a refund of XXXX overdraft fees totaling {$70.00}. I am also asking for an additional {$24.00} in overdraft protection and maintenance fees. Lastly, I am asking for a refund of {$2.00}, a XXXX XXXX fee. In sum, I am asking for a credit of {$230.00} a fraction of the Bank 's net income of $ XXXX from XXXX. I would also like to highlight per XX/XX/XXXX, the Consumer Financial Protection Bureau 's action against Bank of America for illegally charging junk fees, withholding credit card rewards and opening fake accounts, resulting in payment of XXXX XXXXXXXX to harmed customers and another XXXX XXXX in penalties to the CFPB and the Comptroller of the Currency. I have been a BofA customer for decades and despite feeling that I am a victim of really poor customer service and the practices stated above, I remain loyal to the institution, as it has my entire relationship, checking account, savings account, credit card, multiple bill pay accounts. I am in the process of selling my townhome and starting my XXXX XXXX XXXX and I would like to continue and expand my relationship with the bank. I am requesting {$230.00} in refund of various fees, which is minimal to the bank, but conversely significant for me. I understand Customer Service 's position that the bank fees are legitimate and irreversible if the fault lies with the customer. I am asking for the bank to consider my long-standing relationship with them, the significant health challenges and resulting expenses over the last few years and the potential of a larger relationship ( business banking, investment management ). Additionally, the fees are not repetitive, rare and in the significant past and have not occurred since. I really hope for a quick and satisfactory resolution to this matter, and it would be a great deal to me financially and emotionally if Bank of America is willing to assist me. I have attached a spreadsheet that provides more detail of the refund being requested. I am to discuss this matter in more detail over the phone. Thank you for your understanding and please see attached for your reference.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-22
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Closing on a mortgage
Subissue: Fees or costs after closing
Consumer Complaint: REQUEST FOR ACCOUNTING! U.C.C. 9 210 and other applicable laws. Reference accounts # XXXX Dear Bank of America CFO This communication is with reference to the alleged contractual relationship, I have a right to an authenticated record of accounting. I am not requesting a statement of account, for an authenticated record of the accounting. I am hereby disputing the non-performance of fiduciary duty under Federal Reserve Act section 16, and to require that you provide the requested securitization audit information within the time allotted by law, which is 14 calendar-days. I do wish to thank you for your time in providing this information, which is readily available to you as the custodian of records, and/or the collective entity. Please note that each day beyond the 14th calendar-day of receipt of this communication I will BE assessing a {$33.00} per day penalty for your failure to comply and/or {$1000.00} per month, whichever is greatest. I have the right to this information as indicated by the Uniform Commercial Code : U.C.C. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL OF ACCOUNT. 9-210. REQUEST FOR ACCOUNTING ; REQUEST REGARDING LIST OF COLLATERAL.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A