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: 2023-09-27
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-22
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I am writing to convey my ongoing concern regarding erroneous late payment entries on my credit report. Despite multiple requests for resolution, this issue remains uncorrected. I want to stress that these late payment entries are inaccurately recorded, and I have provided substantial evidence confirming my consistent and timely payments to BK OF AMER XXXX. Despite my previous attempts to rectify this matter and the supporting documentation I have submitted, the incorrect late payment entries continue to appear on my credit report. I kindly request that you take the necessary steps to rectify and remove these inaccurate late payment entries from my credit report. Please ensure that these accounts are corrected.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11219
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: Problem with a company's investigation into an existing issue
Subissue: Their investigation did not fix an error on your report
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.
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: 2023-09-22
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-21
Issue: Problem caused by your funds being low
Subissue: Late or other fees
Consumer Complaint: I'll never understand why people in America 's corporate box spend tens of hundreds of thousands and four to eight years in college just to graduate get the highest paying jobs that requires ABSOLUTELY nothing but to lie lie lie every day, bank of America how ever they reached out to you lied, everything everyone I spoke to for two 1/2weeks said,,, We Absolutely CAN not access your account unless your current number is in our system, I'm taking about at least 30 bank of America employees told me that same exact lie, well I knew I would reach a boa employee that has a brain that's separated from liers up top and did his job by using my SSI number to DET INTO My ACCOUNT, can you believe that, now their saying it's still in progress, you know what than say 's to me, a criminal Is a criminal if they went to the most expensive colleges of a XXXX XXXX XXXX XXXX XXXX la
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90044
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: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: My identity was stolen and someone stole my wallet with credit card information and personal identification as well I made a police report with my information that was stolen also wrote a letter in my hand written stating these actions that where taken place where not made by me also signing my name multiple times for proof and still was denied my claims
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90011
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: NV
Zip: 89052
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: 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: Bank of America acted predatorily regarding {$25.00} in charges because they want to continue to charge illicit & illegal fees that violate FCBA, TILA & this bank along with XXXX XXXX continue to open illegal accounts without users consent in an attempt to obtain a judgement for a vehicle that has been paid for over 10 years ago in an attempt to raise Suspicious Activity Reports which is recorded on voicemail
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: VA
Zip: 23229
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: I have a Bank of America credit card with my company that has rewards of XXXX Bank of America said i closed this account before redeeming rewards so nothing they can do.. I never closed that account and can still long into it after fighting with them for a few years. it still shows the rewards i have but will not let me redeem. i have called again after ruling from CFPB for this fraudulent activity and bank says there is nothing they can do and even if there is a ruling it doesn't mean they will pay me back. I submitted complaint they sent me a email saying they are working on it and requested more time. When i went back to check on complaint they send message to bureau they contacted me and complaint is closed .. this is false information. after the initial email i received nothing. i actually had to call them numerous times with no response so my only choice is to reissue complaint in hopes i get someone that will resolve the issue, they kept the money and drawing interest off it so they cant say they don't have it.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 29063
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: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: I was looking over my credit report and i realized that my consumer report had unauthorized inquiries that I didnt know about. According to the FCRA ( Fair Credit Reporting ACT ), legally these unverified & unauthorized items MUST be DELETED! It has been a defamation of my character Company name : Bank of America Date : XX/XX/XXXX Credit berau : XXXX You are in violation of the Fair Credit Reporting Act ( FCRA ), [ 15 U.S.C 1681b ( a ) 3 ( f ) ( i )., for unlawfully obtaining my Experian consumer report on XX/XX/XXXX without my authorization or a permissible purpose under the 15 USC 1681 Fair Credit Reporting Act ( FCRA } and its guidelines for permissible purpose.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 28269
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: Im formally filing a complaint against Bank of America for FINANCIAL CRIMINAL THEFT!. This institution allowed scammers to open a fraudulent account in my name and my business name. The scammers in XXXX stole my check and deposited into a BOA account and withdrew {$43000.00} from a check that belonged to me in the amount of XXXX BOA, risk closure dept, suspected fraud and closed the said account 3 days after the scammers got $ XXXX out. On XX/XX/2023 my parent bank XXXX XXXX, requested the stolen funds be returned back to them. Instead, BOA sends the remaining $ XXXX to THE SCAMMERS ADDRESS IN A CASHIER CHECK ON XX/XX/XXXX, that they also cashed, grossly ignoring XXXX request of a return. I filed a ID FRAUD claim on XX/XX/2023 that BOA approved on XX/XX/2023 that I did not open that account and Im not responsible for the deposit or withdrawals from the account. Then in XXXX BOA, denied XXXX XXXX XXXX claim to return the funds, stating CHASE failed to properly identify the scammers whom they mailed the check to. As if BOA, themselves didnt properly identify the scammers when they allowed the account to be opened in XXXX and sent them $ XXXX after they closed the account and ignored XXXX request to return the funds. Theyre admitting it was my stolen money but its not THEYRE FAULT THEY GAVE IT TO THE SCAMMERS.. Mam/Sir, THIS IS THEFT.. They ASSISTED THE SCAMMERS, both directly and indirectly..Its inexcusable that the appointed analysts assigned to this claim has the audacity to defend BOA handling of my stolen money. BOA, admits to me that Im a victim of identity theft based upon their research and policies BUT, dont believe theyre responsible is pure hideous and outright theft. XXXX has sent over 3 separate requests for reconsiderations that the analysis refuses to respond too. My analysis needs to be properly retrained, charged with a crime and or reprimanded appropriately. BOA supervisor XXXX @ XXXX XX/XX/2023 during a recorded call admitted to me that his company BANK OF AMERICA IS IN FACT RESPONSIBLE, please review that call. Its just outrageous that Im fighting to get my money back for nine months while BOA, gave it away to scammers TWICE! Mam/Sir My Desired settlement : An immediate full refund of my money ( {$89000.00} ) and the necessary discipline for the aforementioned employees. PLEASE WILL YOU HELP ME GET MY MONEY BACK IM LITERALLY BEGGING YOU
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: GA
Zip: 30135
Submitted Via: Web
Date Sent: 2023-09-21
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A