Date Received: 2023-09-11
Issue: Managing an account
Subissue: Deposits and withdrawals
Consumer Complaint: XX/XX/23 - I made a {$920.00} ATM deposit of 2 XXXX XXXX sequentially ordered money orders : XXXX for {$500.00} & XXXX for {$420.00}, ( purchased and mailed to me by my long-time tenant ) at a BOA ATM at XXXX XXXX XXXX , XXXX XX/XX/23 - They were immediately reversed XX/XX/23- I received a letter dated XX/XX/23 that the 2 items couldn't be deposited XX/XX/23 - I received a second letter dated XX/XX/23 that was supposed to include the above rejected items so that I could try to re-deposit them. However, when I received the letter, only the {$420.00} money order was attached, not the {$500.00} XX/XX/23 - I immediately went to the branch at XXXX XXXX XXXX XXXX and spoke to the lady manager. She informed me that there was nothing they could do in the branch and had a teller provide me with customer service # XXXX to initiate a claim to find the lost money order XX/XX/23 - I re-deposited the {$420.00} money order with the teller, and it went through just fine ; completely valid money order, no problems XX/XX/23 - XXXX - I called the number given to me and spoke with XXXX , she said I had to wait 10 business days from the XX/XX/23 letter before I could file a claim, to give the second money order time to arrive back to me XX/XX/23 - XXXX - I called the number above again and XXXX in SC opened claim # XXXX XXXX XXXX XXXX, I was credited the {$500.00} to my account the next day and I was to give them 45 days to research XX/XX/23 - I received an email of a message on my account that they were unable to pay this claim and the {$500.00} was debited from my account XX/XX/23 -> XX/XX/23 - I proceeded to reach out to any and all people at Bank of America that could possibly help me resolve this issue as I obviously had no power and my issue just kept getting dismissed. I finally threatened that I was going to file a police report for theft of funds XX/XX/23 - I received an email from XXXX XXXX from the above XXXX XXXX branch to contact him XX/XX/23 - I made ( another!!! ) trip to the XXXX XXXX branch, XXXX reopens the claim, giving me hope for a final resolution XX/XX/23 - I received yet another rejection of my claim/unable to pay and to add insult to injury, I noticed that the bank had credited my account XXXX, yep XXXX XXXX!, on XX/XX/23
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NC
Zip: 27613
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-12
Issue: Incorrect information on your report
Subissue: Information belongs to someone else
Consumer Complaint: I filed a dispute with XXXX on XX/XX/2023 regarding a credit card account that was mistakenly added to my credit report. After their investigation, on XX/XX/2023, they retained the card account, which I do not recognize, with the claim that " The company that reported the information has certified to XXXX that the information is accurate. This item was not changed as a result of our processing of your dispute. Please review your report for the details. '' Now, the financial behavior associated with this credit account, which belongs to someone else, has significantly impacted my credit score in a negative manner.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 10025
Submitted Via: Web
Date Sent: 2023-09-12
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
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: 33196
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Managing an account
Subissue: Problem making or receiving payments
Consumer Complaint: Hi. At end of XX/XX/XXXX Bank of America sent me the letter stated that all my accounts will be closed, as well as credit card accounts. No explanation why. Each account had the letter with next information : - '' Your account access may be restricted. -You can't use your debit card anymore. - You no longer have access to online banking services for this account -Our decision to close your account is final. '' So I couldn't pay for my family food with debit or credit card. Couldn't get cash to pay for my needs. I had to open accounts in XXXX XXXX, ran to Social security office, my wife job to request direct deposits to the new account. Bank of America hold my money almost 2 months and I had hard time to survive till my family started getting any money.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NJ
Zip: 083XX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a purchase or transfer
Subissue: Charged for a purchase or transfer you did not make with the card
Consumer Complaint: I have sent a letter back in XXXX along with the police report and a photo copy of my identification stating that I had never received my card and the transaction being made was without my consent so they said that they would be issue a new card and I never received that one either up untill XXXX with the card end with XXXX wen I received the card it was supposed to have funds in the account but there was only XXXX and I continued to call and ask about my claim they would deny them continuously so I would request that they reconciliation on the claim but I still haven't been able to collect all my funds I also tried to put wat lil money that was on the card wen I received it to my bank they wouldn't allow me make it easy for the the scammers it's horrible
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 92407
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Closing an account
Subissue: Funds not received from closed account
Consumer Complaint: First bank of america close my account because supposedly it was a fraud which to me it was no fraud. I got the XXXX this XX/XX/XXXX and I haven't received. I have my daughter that is XXXX and I don't have money to pay the rent and either for food. They have been telling me to go to the branch and pick up the funds and when I arrive they say no. They have been like this since the XXXX of XXXX. On Friday someone told me to go to get the funds I couldn't go that day. I told them I was going on Saturday and they said the same thing they can't give it to me it's on bank of america. The amount of my funds is {$1300.00} And every time I go I take my daughter and is very hot to take her out.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TX
Zip: XXXXX
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Problem with a lender or other company charging your account
Subissue: Transaction was not authorized
Consumer Complaint: When I noticed all of the fraudulent charges from XXXX that were posted to my checking account between XX/XX/XXXX and XX/XX/XXXX, I contacted Bank of America to report the fraud and to get a new debit card issued for my account. The person I spoke with noted the large number of XXXX charges on the account and turned this claim over to the fraud department. The charges totaled {$5400.00}. Less than a month later I got a message from the fraud department that they could not pay the claim. They said their research included my account history, monthly account statements, and information from the merchant. The message stated that they made their decision based on the fact " the charge was authorized by me or made by someone who has permission to use the card or account. '' There were XXXX XXXX charges on the account. I do not have a XXXX account and no one besides myself is on my checking account or has permission to use my debit card or account. XXXX does not deliver to my address. Furthermore, most of these charges are from places I've never even been. Looking at the history of my account should show clearly that these are not regular places that I frequent to eat or to shop. As I said before, there are no restaurants or stores that deliver to my address through XXXX or otherwise. Also, for the few places that I have been, the charges from these places show up on my account as " debit card '' charges and not " virtual card '' charges because I don't have XXXX. All of the fraudulent charges show up as a " virtual card '' charge. I haven't been to XXXX XXXX since high school ( over 30 years ago ) and it's probably been about 6 years since I went to XXXX XXXX 's. I have a very busy work schedule and mainly go to work and back home each day. I can show from my work schedule that a lot of the days that these fraudulent charges were made I was at work. I certainly don't have time to consider ordering anything through XXXX while at work. The same thing happened with my Bank of America Visa credit card which I ended up having to cancel because the fraud kept happening. Again, these were all XXXX charges. However, when I turned these charges over to the fraud department of Bank of America it was determined to be fraud and I was credited for all the charges. It also took a lot longer for them to review my claim. Again, I did not make any of the charges that I have claimed to be fraud. It's very obvious when looking at my statements that these " virtual charges ' from XXXX suddenly appear in the time frame stated above. I do not use XXXX. I'm happy to supply anything helpful or needed by the bank in reopening this claim. These charges are fraudulent.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: TN
Zip: 37064
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-11
Issue: Problem with a company's investigation into an existing problem
Subissue: Their investigation did not fix an error on your report
Consumer Complaint: Despite the multiple previous written requests, the unverified item listed below still remains 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. BANK OF AMERICA XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXXXXXX and XXXX XXXX XXXX XXXX has been reporting late payments on my report. 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.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 93021
Submitted Via: Web
Date Sent: 2023-09-11
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Other transaction problem
Subissue:
Consumer Complaint: On XXXX XXXX there was an unauthorized transaction for the amount of {$5000.00} transferred to an unknown account as well as on XXXX XXXX another unauthorized transfer transaction for the amount of {$1300.00} to an unknown account. I've been denied on my claim and I have proof to show the transaction was not me. Below I included photos to prove that this transaction was fraud due to the transaction showing the last 4 digits of the card that made the transaction. I was never issued a card with those numbers. I also included photos of the amount that was in my account on XXXX XXXX and after sorting through my mail I see a letter from bank of America stating they are crediting my account for the amount that was already in my account to begin with which is dated a day later on XXXX XXXX. It does not seem to make sense for bank of America to send me a letter for crediting my account with the same amount of funds that i already had in my account. All of sudden 6 days later my funds are transferred to an unknown account with a card I was never issued. My card issued to me during the time of the fraudulent transaction last four digits are XXXX and the card doing this transaction the last four digits are XXXX.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: CA
Zip: 90745
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with monetary relief
Timely Response: Yes
Consumer Disputed: N/A
Date Received: 2023-09-10
Issue: Trouble using your card
Subissue: Can't use card to make purchases
Consumer Complaint: Bank of America blocked my payment of XXXX to XXXX XXXX XXXX on XX/XX/2023 for a phone plan renewal with no reasons. My credit limit is XXXX and I have used any credit last month. When I tried to make payment to XXXX XXXX XXXX in all increments, they completely locked my visa credit card ending in XXXX. I have contacted Bank of Americas fraud prevention department but they couldnt explain why they locked the account except saying that it was system action There is no Bank of America branch near me. The nearest one is XXXX miles away from my home and I dont have a car. They refused to compensate me for the transportation costs and refused to unlock the account despite their acknowledgment that my account has no issues. By paying the XXXX XXXX XXXX in small increments as forced by them, I also paid extra fees as a result.
Company Response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
State: NY
Zip: 14850
Submitted Via: Web
Date Sent: 2023-09-10
Company Response to Consumer: Closed with explanation
Timely Response: Yes
Consumer Disputed: N/A