Date Received: 2023-09-19
Issue: Getting a credit card
Subissue: Sent card you never applied for
Consumer Complaint: My US mail is currently being forwarded to my second home address in Montana. Yesterday in my forwarded mail I received a new credit card from Bank of America labelled as an Allegiant rewards card. Also in the mail were three identical notices that Bank of America sent stated that they " detected suspicious activity on your credit card and as a precaution, we've temporarily suspended your account. '' They also stated that they tried to call me but I have no record of those calls. They gave an 800 number to call them right away. These letters were dated XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I called the 800 number yesterday and Bank of America did locate my account with the number that was on the credit card and closed the account calling it fraudulant. They advised that I call the three credit bureaus and social security administration to put " watches '' on my profile. I recently flew with Allegiant Airlines and while using their website to check in for flights, I noticed that most links that I clicked on threw errors. I suspect that this card was opened due to their website being hacked. I can not contact Allegiant as they do not publish any phone numbers to contact them.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85298
Submitted Via: Web
Date Sent: 2023-10-06
Company Response to Consumer: Closed with non-monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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: I was forced to purchase tickets I could not use to go to XXXX XXXX. I complained to my credit card company about the charge. XXXX XXXX lied to Bank of America and said I used the ticket but they actually issued me another ticket to use in XXXX, instead of giving me a refund. They are holding onto my money. I would have to buy new plane tickets, and get a new hotel room, to be able to use these tickets. I want a refund not complimentary tickets to use in XXXX. Bank of America thinks its ok for me to not get a refund. Then they called me and said they will take care of my complaint and they gave me a number to call and a person to talk to. That person does not return phone calls or answer the phone. The number goes straight to voicemail. Her name is XXXX she works at Bank of America her number is XXXX ext XXXX. The transaction date is XX/XX/XXXX the posting date is XX/XX/XXXX the reference number is XXXX. The amount is for XXXX This is the new ticket they gave me after I flew back to XXXX from Florida in XX/XX/XXXX. Dates Valid XX/XX/XXXX thru XX/XX/XXXX Order Number Order Date XXXX XX/XX/XXXX XXXX Contact Person Guest Contact Details Guest XXXX XXXX Product Guest Name XXXX XXXX Ticket Guest XXXX XXXX XXXX Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX XXXX XXXX XXXX Dining Ticket Guest XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MA
Zip: 02072
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Funds not handled or disbursed as instructed
Consumer Complaint: I am a bank of America XXXX card holder. They were ordered to pay back claims by the cfpb as well as compensate for our losses. They have locked me out of my account. They are now trying to use a deposit made by the state of az for partial payments they owed me, and say they are part of my claim. They also have added claims to my account that are not even possible... ..in total my only claim filed was for XXXX XXXX and XXXX That does not include the XXXX $ that they rejected in unemployment funds because my account was frozen. I have been calling them for 1 month now XXXX and they just pass me around and hang up on me. Now they said that my claims have already been paid out? They are stealing money still.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: AZ
Zip: 85020
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: I made a purchase for a tune for my car through ssi the guy was a jerk he lied played games the entire Time he emailed me the tune I had to ask him where he sent 5 times when I got the tune and installed it the tune was trash car didnt run right it smoke stalled and the maker was trying to blame it on my car but my car runs fine with the factory tune the mod that I did was ad a after market turbo with a turbo you have to change the map sensor to a 2 0r 3 bar map sensor this guy From ssi should have told me to go out and get a new one because its only a 1 bar your car wont even no the turbo on it with a 1 bar that I didnt find out until I took it to someone else to tune and had to do it so I was suppose to get 2 tunes and only got one the was complete trash so Bank of America gave me credit 1/2 a credit the guy breech of contract I should have got full credit just for breech but the tune was garabage
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: SC
Zip: 293XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
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: I have attempted to resolve a dispute with Bank of America numerous times for a fraudulent transaction charged to my Visa card on XX/XX/2023. The transaction was a " Coerced debt '' charge initiated by XXXX in XXXX, XXXX in the amount of {$1400.00}. My son and his friend were enticed into a club by the promise of a {$30.00} cover charge that included their drinks. When attempting to leave, the staff indicated they owed {$1400.00} to which they vehemently disagreed. At that time, my son 's friend was assaulted and physically removed from the establishment. My son, XXXX was then threatened with a baseball bat, and told if he didn't produce a credit card, he would be assaulted as well. In fear for his life, my son gave them his credit card. The staff refused to give him a copy of a bill and he didn't sign the charge slip. My dispute was denied by Bank of America. They refused to request the detailed bill or the signed charge slip from the merchant. This was clearly a scam and this charge was coerced through the threat of violence.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: WA
Zip: 98012
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a purchase shown on your statement
Subissue: Card was charged for something you did not purchase with the card
Consumer Complaint: Online BOA credit card said something was wrong with my credit card account and to call them. I did XX/XX/2023 and because I dont have a cell phone and can not receive text verifying I had to go into XXXXXXXX XXXX XXXXXXXX to be verified on XXXX XXXX I went in was verified and the banker called the XXXX XXXX and I told her my account had been taken over and these criminals at XXXX XXXX XXXX XXXX XXXX XXXX XXXX had changed my address to theirs and my email and phone number to theirs. It's then that i verified my charges all to XXXX and XXXX which came to XXXX which I paid off in full XX/XX/2023. The fraudulent charges were all in their homestate XXXX. She said she would close my account and send me a new card but I never received it. It was sent to the crooks in XXXX. This is after I went through my correct address phone number and email. I thought it was all settled after I gave them this information and told them this was account take over fraud. I was frozen out of my account and the past XXXX XXXX I have not been able to get back on check their messages etc. I called XXXX XXXX again XX/XX/XXXX when I received an email statement Of XXXX aprox which were the fraudulent charges from my original account and the one that was sent to the criminals. Today XX/XX/XXXX I got an email statement of XXXX I called fraud got a new claim started with my information
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: OH
Zip: 44484
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Unexpected or other fees
Subissue:
Consumer Complaint: I tried to wire money to Bank of America several times between XX/XX/XXXX and XX/XX/XXXX They rejected the wires. Before sending the money back to my bank, they deducted {$45.00} each time. They have no commercial relationship with me. In theory they never took possession of the money since they rejected the wire. They in effect stole {$45.00} from me each time. Because I have no commercial relationship with the bank, I am being told there is no way I can recoup these fees from the bank. If a bank rejects a payment, they should not be able to steal money before sending it back to me.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 068XX
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: They ( BofA ) sent me the information of where they sent my monies BUT couldnt explain why!! Ive been receiving these XXXX checks for over 2 years now having them transferred to my personal bank bi/weekly and never had any problems, BUT now this individual hacked my account for over {$2500.00} and its been over ten days without any monies being received, or returned back to my account!!
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93308
Submitted Via: Web
Date Sent: 2023-10-03
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: I had received a letter in the mail from a company named XXXX XXXX, who posed as partners of my main loan servicer, XXXX. Their ( scholastic solutions ) phone number being XXXX. The letter stated I qualified for a student loan repayment plan, I called them thinking they were legit, I paid {$790.00} to start my repayment plan, in XXXX of 2022. Since then, I have been paying {$39.00} a month to these people, who stated after XXXX payments, my student loan debt of {$32000.00} would be completely forgiven. I wanted to check on my payment progress, and when I signed into my servicer account through XXXX, there was no payment history on my account, which I had found weird since I have been having {$39.00} taken out of my account every month. They informed me that XXXX XXXX like to pose as third party servicers, and steal money from people. So the money they have been taking from me had in fact not been going towards my student loans. I have paid these people a total of {$1400.00}. On my bank statements they were first listed under XXXX XXXX and they now have changed their name to XXXX. When I called my bank ( bank of america ), I spoke to the fraud department and they helped me set up a payment block against this company, but they stated they would not be able to confirm that they would get my money back. They stated this was not considered fraud since I gave my information willingly to the XXXX XXXX XXXX. When in fact the definition of fraud is a wrongful or criminal deception intended to result in financial or personal gain a person or thing intended to deceive others, typically by unjustifiably claiming or being credited with accomplishments or qualities. I was deceived by this company into thinking they were a servicer for student loan debt relief. They stole money from me for their own personal gain, and I was not aware of the fact that they were not a legit company. So to me this should absolutely be considered fraud. I was very disappointed to learn that my bank is not able to do anything for me, and these people have been getting away with stealing from people like me who have student loans to pay. I feel like my bank should have helped me further, they should have been able to somehow reverse the payments that were taken from my account by these people. Im not sure what to do next. Thats {$1400.00} down the drain that I could have used towards supplies for my XXXX XXXX XXXX son.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06109
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Closing on a mortgage
Subissue: Trying to communicate with the company to fix an issue with the loan closing
Consumer Complaint: To Whom It May Concern : I am XXXX XXXX, and I have been attempting to obtain the Lien Release Statement and/or the Grant Deed in Perpetuity for my home, XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX # XXXX, from Bank of America XXXX and only after a very long and arduous process of first having to determine ( and then overcome ) the true facts and chain of events regarding the true ownership of the property in question, due ultimately to a very severe and fairly sophisticated case of Identity Theft, unfortunately involving myself, my identity, and said property, among many other issues, fraudulent actions, and scenarios. My ex-partner, XXXX XXXX, now deceased, in cooperation with the I.D . Thieves themselves, deliberately attempted to obscure the true chain of events surrounding this property, including the fraudulent taking my 50 % ownership interest in the property from me, XXXX XXXX, with XXXX himself actually being recruited to join the I.D . Thieves cause, directly attendant upon our joint purchase of the property in question in XXXX, and which XXXX did whole-heartedly and enthusiastically, if not with much innate natural proficiency, luckily for me! The perpetration of this I.D . Theft involved several individuals actually, who fraudulently took my home from me in XXXX, under what was purportedly a foreclosure of the property for our failure to consistently pay our Bank of America Mortgage. The mortgage was in actuality moved by these persons at this time from the mortgager I was familiar with, XXXX XXXXXXXX XXXX to Bank of America ( at the time XXXX XXXX XXXX ) without my knowledge or consent, where it remained for only a very short time until it was eventually paid off quite early. And even this early payoff would be effectuated with monies also stolen from me and intended as compensation for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I suffered for my XXXX XXXX, and as the result of a medical malpractice class action lawsuit against XXXX XXXX XXXX, in which I was entered as an unwitting participant. I was totally unaware of said lawsuit, the information of which was very effectively kept from me, again by my loving partner at the time, XXXX XXXX. ( I tell you, I wish I had XXXX more, just like him! ) This early payoff was essentially done in efforts to resolve the probable beginnings of a threatened foreclosure of the property, perhaps indeed initiated by XXXX deliberate failure to pay the mortgage while I was forcibly away from the property for a Court-ordered XXXX Evaluation XXXX XXXX XXXX XXXX XXXX which lasted for 78 days ), before I was eventually successfully able to return home, although it was a very close call as to whether I would be able to return from this Evaluation ( and XXXX ) at all! Interestingly, it was clearly obvious by the perpetrators reactions to my triumphant return home that I was never actually expected to have been able to have done so! Thank Goodness this was the case, too, as I was supposedly facing over a two-year prison sentence, a fact which I was totally unaware of at the time, having actually been arrested for actions my I.D . Thieves had themselves perpetrated, albeit under my name and identity! In fact, to date I have now been arrested a total of fifty-one times, which totally destroyed my existing employment at the time, which was working for a local government public employer, as well as my ability to probably ever utilize my XXXX XXXX in XXXX XXXX XXXX for any future employment possibilities as well. Although, as I am very fond of telling anyone who will listen : If XXXX out on the streets after fifty-one arrests, theres something wrong with me, something wrong with the XXXX, or something else is going on here! The I.D . Thieves were also able to steal my entire accumulated XXXX XXXX XXXX XXXX, too, with which they then successfully retired early as me, XXXX XXXX, an income they were receiving for about XXXX years before I was able to comprehensively explain the nature of the fraud to XXXX, which ended said income to these people, although I have not yet been able to address and rectify the situation with XXXX, ultimately to begin receiving my rightful income from said public service career, of about 15 years, all told. ( And I remember thinking at the time that the XXXX Pandemic could not have come at a worse time than it had for anyone as it had for me, shutting down all public departments, agencies, and entities as it did, for a further XXXX years or so! ) But, back to the property in question, XXXX XXXX XXXX XXXX The first, or original, mortgage loan number for this property, as assigned to it under B of A when the loan was first taken over by Countrywide XXXX XXXX, and which was, in actuality, a simple refinance of a pre-existing mortgage from a prior lender, XXXX XXXX XXXX, is lost to history, and apparently as a result of the mandatory keeping of records for such loans being only XXXX to 10 years. This is an understandable, if regrettable, aspect of this particular case. That primary, or first, mortgage was definitely paid off early, however, resolving the budding, and purposeful, foreclosure proceedings on the property, once and for all. That loan was, however, as I have said, paid off in full, but not before another, though apparently intended as only a temporary, loan number was also assigned to the property, this as a result of the XXXX XXXX XXXX XXXX, under which we qualified for mortgage loan modification measures and directly as a result of said XXXX. XXXX and I were each given a substantial reduction to the existing outstanding mortgage balance we owed to Countrywide at the time as a result, which no doubt greatly facilitated XXXX in the early payoff of the home as well! The proof of this mortgage debt reduction can be seen in the form of XXXX IRS XXXX XXXX, XXXX for XXXX and XXXX respectively, denoting said XXXX of XXXX. That temporary loan number is XXXX, and is XXXX of XXXX loan numbers still active in regard to this particular property, if only erroneously, as I will now attempt to further explain. In fact, it was paperwork regarding the XXXX XXXX XXXX Crisis which came to me at my newly acquired apartment after having left the house, XXXX, and our relationship, which first apprised me that Bank of America was somehow involved at all, as the enclosed paperwork stated we, had had a loan serviced by Bank of America, a company I truly despise! ( And this is no doubt the reason the I.D . Thieves and XXXX chose B of A to take out the fraudulent refinancing of the existing mortgage. ) After clandestinely moving the existing mortgage from XXXX XXXX to Bank of America, XXXX then immediately complicated the issue further, and deliberately so in my opinion, by causing yet an additional and third loan number to be created against the same property while this temporary and second loan number was in place for the XXXXXXXX XXXX XXXX Crisis. XXXX, by some mysterious manner unknown to me, was able to take out a {$15000.00} H.E.L.O.C. Loan against the property, without my knowledge and certainly without my consent, under that temporary loan number, XXXX # XXXX. ( Interestingly, this action was also accomplished at the same local XXXX, CA XXXX of B of A which had also entertained XXXX and my I.D . Thieves on other occasions, such as the original fraudulent refinancing of the property. This third loan number, generated for purposes of this {$15000.00} XXXX Loan alone, is Loan # XXXX, and is represented by Document # XXXX, dated XX/XX/XXXX, and recorded on XX/XX/XXXX, by the XXXX XXXX XXXX XXXX. It is interesting to note, however, that this document is no longer to be found, nor have I ever been able to find it, currently or otherwise, in said XXXX XXXX XXXX XXXX XXXX, despite the ostentatiously obvious Recorders Stamp to be seen on the document and done again, as I suspect, in obvious collusionary efforts at obscuring the true ownership records for the property, and most especially from me, XXXX XXXX. Interestingly, although my name does apparently appear on the Trust Deed documentation for said additional H.E.L.O.C., Loan # XXXX, I am just as definitely not a co-signer on the associated Promissory Note for the same loan, and I was definitely not present at the creation of this additional H.E.L.O.C. against the property. Additionally, these Promissory Note documents are not typically recorded along with other loan documentation for financial vehicles such as represented by this fraudulent H.E.L.O.C., thus making it very difficult to locate and obtain any of the loan documentation for this property and its associated loans, as B of A will not release any loan information to persons not also listed on any associated loans Promissory Note, regardless of the names which XXXX, or XXXX not, appear on the other loan documentation or ownership documents for that same loan or other associated mortgages, as is the deliberate case here, and specifically in regard to me, XXXX XXXX. ( Nevertheless, I include said documentation, sans the Promissory Note, for the loan in question, saying only that a business or company is only as good as that representative one gets in person or over the phone, and that some B of A Employees are more assiduous in observing their companys protocols than others. ) The last and final document which I feel is relevant to the resolution of this situation, and also received only as a result of those most recent of my ongoing phone calls to B of A, is Document # XXXX, dated XX/XX/XXXX, and recorded on XX/XX/XXXX, and which is, of course, a Substitution of Trustee and Full Reconveyance which would seem to pay off the erroneously remaining XXXX. Loan encumbrance on the property, and thereby will hopefully enable the issuance of the long-awaited and anticipated XXXX XXXX XXXX which is itself apparently currently impeded by an erroneous foreclosure hold code preventing that specific action, and which I hope assistance from the XXXX will help address and overcome. Thank you for your attention to this, admittedly bizarre, matter. I append with this Cover Letter to the XXXX those documents and correspondence I think relevant to the situation and its hoped-for resolution, which I have found and/or previously composed and sent to B of A in my personal efforts to resolve this issue, having failed for some reason or technicality to XXXX the assistance of the Office of the Comptroller of the Currency to whom I recently applied for assistance with this matter, which subsequently declined to take my issue and case, but nonetheless did refer me via written response to your agency as perhaps the best such entity to help me resolve this absurd and altogether far too lengthy an issue with Bank of America. Let us hope this is the case, as I am about at my wits end in dealing with Bank of America and its sprawling network of possibly-involved Units, XXXX, and Persons! Sincerely, I am, XXXX XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 91786
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A