Date Received: 2023-09-18
Issue: Managing an account
Subissue: Cashing a check
Consumer Complaint: I contacted the XXXXXXXX XXXX and notified them that a check cleared my account that I did not issue. My records showed the check # was issued to another vendor a year earlier and for a much lessor amount and at that time all checks issued were computer generated. We did not hand write checks. We requested and received a copy of the check that was cashed and notified XXXXXXXX XXXX we did not issue this check and we believed we were victim to fraud. The check appeared to be doctured with white out and then hand written with a date of XXXX pay to the order of - XXXX XXXX XXXXXXXX XXXX, dollar {$14000.00} and then on the legal line XXXX XXXX XXXX XXXX XXXX XXXX then to the right the dots indicate this was once a computer issued check XXXX. The memo states its a settlement # XXXX. I have never had any dealings with this company and do not know who they are. I contacted XXXX XXXX and they told me there was nothing they could do. I questioned why they would cash a check that obviously was altered and they stated they don't review every check. They then told me to contact the Bank of American who cleared the check their client deposited and I was told there was nothing they could do my bank would need to proceed with filing a complaint. Both banks are clearly at fault as is the person or committed fraud. Neither bank offered a solution or help in any way with this matter. We have had a good working relationship with XXXXXXXX XXXX until this time. We also were not able to retain the Bank of America Acct # for their client who deposited the check.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CT
Zip: 06473
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 lender or other company charging your account
Subissue: Money was taken from your account on the wrong day or for the wrong amount
Consumer Complaint: XXXX Today, I received a call from a customer call center from Bank of America in regards to XXXX that was submitted the other day. We went over the complaint. The Customer service agent kept asking who I spoke to. Initially about trying to initiate the dispute over check # XXXX for {$95.00}. I told her that I didn't remember but the second one was XXXX who was very nasty. She went around in circles asking me names and dates. i got the feeling this was a stonewall. Then she brought up an issue that had nothing to do with the current one about the visa credit card services. I said that this had nothing to do with anything. The Bank of America customer calls centers are monitored. In addition they record the customer service agent, time and date. very frustrating experience, Then my phone got disconnected again. Bad customer service from Bank of America.
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: 2023-09-18
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
Issue: Managing an account
Subissue: Problem accessing account
Consumer Complaint: I am requesting a statement of account under Article 9 of the UCC for Bank of America EDD Debit Card for " XXXX XXXX '' account ending : XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90621
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-19
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 have carefully reviewed my credit report in the 3 credit bureaus. I have been turned down for a credit due to mis-reporting information, I have found inaccuracies that should be immediately investigated. I have complete knowledge of the Fair Credit Reporting Act and understand that these companies have a responsibility to notify me prior to or no later than 30 days of such negative activity reporting against me. BK OF AMER XXXX
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92201
Submitted Via: Web
Date Sent: 2023-09-19
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-18
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: I went into the XXXX XXXX Bank of America on XX/XX/23 at around XXXXXXXX XXXX to make a check deposit. It was a large amount- over {$190000.00} - from the sale of my home. I wasnt explained anything at the time of the deposit. I later received an email stating that there would be hold until XX/XX/23 at XXXX because there is check specific information indicates item may be returned. I understand that this is a large amount but why it is likely to be returned? I called Bank of America the next day and wasnt able to get the specific reason, which it seems is contrary to what law mandates. I also have not been given access to the {$5500.00} amount that should be released. The check is an XXXX and can be verified online. But I feel that I was discriminated against.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: MD
Zip: 208XX
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: Other transaction problem
Subissue:
Consumer Complaint: Due to error instructions on part of the bank money was never received by XXXX though money was deducted from my account. Transaction date XX/XX/XXXX. Now I am told to deal with XXXX bank in XXXX. I am on my own
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 11714
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 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: 33713
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 company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Those payments were made on time. I am requesting that the late payment markings be updated to reflect my accurate payment history. If there is any confusion, I suggest you contact myself or the customer service representative of the said accounts. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, and XXXX XXXX XXXX XXXX were reflected as late payments on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is 100 % true, accurate & correct.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: FL
Zip: 33065
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: Opening an account
Subissue: Account opened without my consent or knowledge
Consumer Complaint: fraudulent checking account opened in my name, date : XX/XX/XXXX account # XXXX I did not open this account.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 078XX
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: Advertising and marketing, including promotional offers
Subissue: Didn't receive advertised or promotional terms
Consumer Complaint: For XXXX XXXX XXXXXXXX, I booked a hotel ( XXXX XXXX ) in XXXX XXXX on XXXX through the Bank of America website and using the Bank of America credit card. The reason I did this is because there was a 20 % discount advertised on the BofA website. I fulfilled all the conditions listed and yet did not receive the discount. Billing details : Transaction date - XXXX. Transaction amount - {$340.00}. I submitted a claim with the credit card company ( BofA ). They initially said I didnt have to pay the disputed amount ( {$78.00} ). However, 6 weeks later, they charged me the disputed amount again. I have called them several times but they refuse to resolve the issue.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 07726
Submitted Via: Web
Date Sent: 2023-09-18
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A